Home > MainSource Bank > Performance and Condition Ratios
MainSource Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0757% | 3,321 |
| Cost of funding earning assets | 0.4083% | 3,526 |
| Net interest margin | 3.6674% | 2,929 |
| Noninterest income to average assets | 1.0828% | 782 |
| Noninterest expense to average assets | 2.9667% | 2,157 |
| Loan and lease loss provision to assets | 0.0347% | 3,041 |
| Net operating income to assets | 1.1537% | 2,199 |
| Return on assets (ROA) | 1.1551% | 2,207 |
| Pretax return on assets | 1.3584% | 2,155 |
| Return on Equity (ROE) | 9.2861% | 2,774 |
| Retained earnings to average equity (ytd only) | 0.9096% | 4,651 |
| Net charge-offs to loans | 0.4835% | 316 |
| Credit loss provision to net charge-offs | 10.8784% | 2,169 |
| Earnings coverage of net charge-offs (x) | 4.3579% | 2,310 |
| Efficiency ratio | 66.8599% | 3,023 |
| Assets per employee ($millions) | 5.9758% | 1,537 |
| Cash dividends to net income (ytd only)* | 90.2052% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6395% | 5,118 |
| Loan loss allowance to noncurrent loans | 161.6327% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 3,710 |
| Noncurrent loans to loans | 0.3957% | 3,370 |
| Net loans and leases to total assets | 65.6444% | 3,097 |
| Net loans and leases to deposits | 86.4979% | 2,104 |
| Net loans and leases to core deposits | 89.7813% | 2,469 |
| Total domestic deposits to total assets | 75.8913% | 4,972 |
| Equity capital to assets | 12.4353% | 1,519 |
| Core capital (leverage) ratio | 9.6389% | 3,917 |
| Tier 1 risk-based capital ratio | 12.9838% | 3,953 |
| Total risk-based capital ratio | 13.5699% | 4,261 |
| Memoranda: | ||
| Average total assets | $4,606,595,500 | 235 |
| Average earning assets | $4,114,032,000 | 235 |
| Average equity | $573,027,500 | 219 |
| Average total loans | $3,041,793,500 | 250 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0143% | 3,352 |
| Cost of funding earning assets | 0.3257% | 3,909 |
| Net interest margin | 3.6886% | 2,840 |
| Noninterest income to average assets | 1.2188% | 706 |
| Noninterest expense to average assets | 2.7454% | 2,979 |
| Loan and lease loss provision to assets | 0.0284% | 3,706 |
| Net operating income to assets | 1.3217% | 1,179 |
| Return on assets (ROA) | 1.3231% | 1,193 |
| Pretax return on assets | 1.7523% | 891 |
| Return on Equity (ROE) | 10.7235% | 1,576 |
| Retained earnings to average equity (ytd only) | 2.0587% | 4,086 |
| Net charge-offs to loans | 0.0418% | 2,948 |
| Credit loss provision to net charge-offs | 103.5626% | 2,470 |
| Earnings coverage of net charge-offs (x) | 64.7937% | 900 |
| Efficiency ratio | 59.6701% | 4,309 |
| Assets per employee ($millions) | 5.7954% | 1,657 |
| Cash dividends to net income (ytd only)* | 80.8018% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7340% | 4,992 |
| Loan loss allowance to noncurrent loans | 139.5098% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 3,287 |
| Noncurrent loans to loans | 0.5261% | 2,936 |
| Net loans and leases to total assets | 65.5120% | 3,157 |
| Net loans and leases to deposits | 86.4256% | 2,207 |
| Net loans and leases to core deposits | 91.9275% | 2,384 |
| Total domestic deposits to total assets | 75.8016% | 4,996 |
| Equity capital to assets | 12.4432% | 1,552 |
| Core capital (leverage) ratio | 9.6336% | 3,884 |
| Tier 1 risk-based capital ratio | 12.8836% | 3,981 |
| Total risk-based capital ratio | 13.5592% | 4,234 |
| Memoranda: | ||
| Average total assets | $4,396,282,800 | 234 |
| Average earning assets | $3,939,761,000 | 236 |
| Average equity | $542,424,000 | 219 |
| Average total loans | $2,889,218,200 | 248 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 3,440 |
| Cost of funding earning assets | 0.3071% | 4,060 |
| Net interest margin | 3.6692% | 2,868 |
| Noninterest income to average assets | 1.2581% | 665 |
| Noninterest expense to average assets | 2.8322% | 2,624 |
| Loan and lease loss provision to assets | 0.0215% | 3,719 |
| Net operating income to assets | 1.2323% | 1,570 |
| Return on assets (ROA) | 1.2325% | 1,595 |
| Pretax return on assets | 1.6964% | 1,137 |
| Return on Equity (ROE) | 10.0123% | 2,129 |
| Retained earnings to average equity (ytd only) | 1.2614% | 4,901 |
| Net charge-offs to loans | 0.0308% | 2,813 |
| Credit loss provision to net charge-offs | 106.7073% | 2,185 |
| Earnings coverage of net charge-offs (x) | 85.0675% | 776 |
| Efficiency ratio | 61.3033% | 3,999 |
| Assets per employee ($millions) | 5.5581% | 1,872 |
| Cash dividends to net income (ytd only)* | 87.4017% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7376% | 5,053 |
| Loan loss allowance to noncurrent loans | 108.2601% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4860% | 3,113 |
| Noncurrent loans to loans | 0.6813% | 2,666 |
| Net loans and leases to total assets | 65.8405% | 3,124 |
| Net loans and leases to deposits | 88.3226% | 2,012 |
| Net loans and leases to core deposits | 92.0623% | 2,434 |
| Total domestic deposits to total assets | 74.5455% | 5,179 |
| Equity capital to assets | 12.5089% | 1,656 |
| Core capital (leverage) ratio | 9.5546% | 4,087 |
| Tier 1 risk-based capital ratio | 12.8817% | 4,096 |
| Total risk-based capital ratio | 13.5669% | 4,333 |
| Memoranda: | ||
| Average total assets | $4,331,934,500 | 238 |
| Average earning assets | $3,886,174,000 | 237 |
| Average equity | $533,263,750 | 220 |
| Average total loans | $2,843,708,500 | 250 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9004% | 3,544 |
| Cost of funding earning assets | 0.2818% | 4,266 |
| Net interest margin | 3.6186% | 2,957 |
| Noninterest income to average assets | 1.2588% | 659 |
| Noninterest expense to average assets | 2.9050% | 2,406 |
| Loan and lease loss provision to assets | 0.0047% | 3,812 |
| Net operating income to assets | 1.1649% | 1,717 |
| Return on assets (ROA) | 1.1655% | 1,757 |
| Pretax return on assets | 1.5970% | 1,357 |
| Return on Equity (ROE) | 9.5237% | 2,253 |
| Retained earnings to average equity (ytd only) | 0.6587% | 4,934 |
| Net charge-offs to loans | 0.0211% | 2,800 |
| Credit loss provision to net charge-offs | 34.1297% | 2,691 |
| Earnings coverage of net charge-offs (x) | 115.8294% | 589 |
| Efficiency ratio | 63.6347% | 3,734 |
| Assets per employee ($millions) | 5.2989% | 2,059 |
| Cash dividends to net income (ytd only)* | 93.0835% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7348% | 5,122 |
| Loan loss allowance to noncurrent loans | 114.7133% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 3,236 |
| Noncurrent loans to loans | 0.6406% | 2,813 |
| Net loans and leases to total assets | 65.5871% | 3,167 |
| Net loans and leases to deposits | 85.3380% | 2,305 |
| Net loans and leases to core deposits | 88.6508% | 2,647 |
| Total domestic deposits to total assets | 76.8557% | 4,982 |
| Equity capital to assets | 12.4629% | 1,641 |
| Core capital (leverage) ratio | 9.9208% | 3,633 |
| Tier 1 risk-based capital ratio | 12.8358% | 4,098 |
| Total risk-based capital ratio | 13.5160% | 4,333 |
| Memoranda: | ||
| Average total assets | $4,240,032,330 | 240 |
| Average earning assets | $3,804,765,000 | 243 |
| Average equity | $518,896,330 | 224 |
| Average total loans | $2,772,865,330 | 255 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8444% | 3,604 |
| Cost of funding earning assets | 0.2622% | 4,435 |
| Net interest margin | 3.5822% | 2,954 |
| Noninterest income to average assets | 1.2852% | 614 |
| Noninterest expense to average assets | 2.6638% | 3,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3352% | 1,154 |
| Return on assets (ROA) | 1.3362% | 1,184 |
| Pretax return on assets | 1.8432% | 732 |
| Return on Equity (ROE) | 11.0327% | 1,553 |
| Retained earnings to average equity (ytd only) | 1.2779% | 4,570 |
| Net charge-offs to loans | 0.0198% | 2,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 142.8168% | 382 |
| Efficiency ratio | 58.4561% | 4,667 |
| Assets per employee ($millions) | 5.1660% | 2,222 |
| Cash dividends to net income (ytd only)* | 88.4173% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8541% | 4,912 |
| Loan loss allowance to noncurrent loans | 110.8369% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 3,059 |
| Noncurrent loans to loans | 0.7706% | 2,544 |
| Net loans and leases to total assets | 64.1932% | 3,248 |
| Net loans and leases to deposits | 81.9326% | 2,521 |
| Net loans and leases to core deposits | 83.6766% | 2,932 |
| Total domestic deposits to total assets | 78.3488% | 4,925 |
| Equity capital to assets | 12.1960% | 1,712 |
| Core capital (leverage) ratio | 9.7559% | 3,805 |
| Tier 1 risk-based capital ratio | 13.5287% | 3,760 |
| Total risk-based capital ratio | 14.3159% | 3,945 |
| Memoranda: | ||
| Average total assets | $4,062,981,000 | 250 |
| Average earning assets | $3,652,678,500 | 253 |
| Average equity | $492,063,000 | 235 |
| Average total loans | $2,641,565,500 | 265 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7467% | 4,067 |
| Cost of funding earning assets | 0.2593% | 4,476 |
| Net interest margin | 3.4874% | 3,487 |
| Noninterest income to average assets | 1.3844% | 597 |
| Noninterest expense to average assets | 2.8623% | 2,806 |
| Loan and lease loss provision to assets | 0.0451% | 3,481 |
| Net operating income to assets | 1.1930% | 1,536 |
| Return on assets (ROA) | 1.1963% | 1,610 |
| Pretax return on assets | 1.6328% | 1,183 |
| Return on Equity (ROE) | 9.8153% | 2,046 |
| Retained earnings to average equity (ytd only) | 0.6921% | 5,050 |
| Net charge-offs to loans | 0.0505% | 3,033 |
| Credit loss provision to net charge-offs | 139.0701% | 1,964 |
| Earnings coverage of net charge-offs (x) | 51.5571% | 992 |
| Efficiency ratio | 62.3224% | 4,199 |
| Assets per employee ($millions) | 5.1658% | 2,218 |
| Cash dividends to net income (ytd only)* | 92.9491% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 4,971 |
| Loan loss allowance to noncurrent loans | 125.4544% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 3,318 |
| Noncurrent loans to loans | 0.6732% | 2,852 |
| Net loans and leases to total assets | 64.7310% | 3,253 |
| Net loans and leases to deposits | 84.6474% | 2,344 |
| Net loans and leases to core deposits | 86.4711% | 2,813 |
| Total domestic deposits to total assets | 76.4713% | 5,181 |
| Equity capital to assets | 12.0265% | 1,778 |
| Core capital (leverage) ratio | 9.7958% | 3,755 |
| Tier 1 risk-based capital ratio | 13.8802% | 3,532 |
| Total risk-based capital ratio | 14.6905% | 3,706 |
| Memoranda: | ||
| Average total assets | $3,777,160,200 | 252 |
| Average earning assets | $3,413,125,400 | 250 |
| Average equity | $460,362,000 | 233 |
| Average total loans | $2,429,246,000 | 272 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 4,229 |
| Cost of funding earning assets | 0.2609% | 4,499 |
| Net interest margin | 3.4462% | 3,687 |
| Noninterest income to average assets | 1.3998% | 606 |
| Noninterest expense to average assets | 2.9485% | 2,466 |
| Loan and lease loss provision to assets | 0.0308% | 3,618 |
| Net operating income to assets | 1.1322% | 1,871 |
| Return on assets (ROA) | 1.1360% | 1,971 |
| Pretax return on assets | 1.5445% | 1,559 |
| Return on Equity (ROE) | 9.2867% | 2,363 |
| Retained earnings to average equity (ytd only) | 0.1576% | 5,301 |
| Net charge-offs to loans | 0.0589% | 2,507 |
| Credit loss provision to net charge-offs | 81.6619% | 2,641 |
| Earnings coverage of net charge-offs (x) | 41.6293% | 1,204 |
| Efficiency ratio | 64.4557% | 3,858 |
| Assets per employee ($millions) | 5.2268% | 2,117 |
| Cash dividends to net income (ytd only)* | 98.3035% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8422% | 5,065 |
| Loan loss allowance to noncurrent loans | 130.1765% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4736% | 3,536 |
| Noncurrent loans to loans | 0.6469% | 3,080 |
| Net loans and leases to total assets | 64.0244% | 3,397 |
| Net loans and leases to deposits | 82.1615% | 2,710 |
| Net loans and leases to core deposits | 85.9824% | 2,951 |
| Total domestic deposits to total assets | 77.9251% | 4,924 |
| Equity capital to assets | 12.6264% | 1,690 |
| Core capital (leverage) ratio | 9.8211% | 3,789 |
| Tier 1 risk-based capital ratio | 14.1650% | 3,476 |
| Total risk-based capital ratio | 14.9752% | 3,640 |
| Memoranda: | ||
| Average total assets | $3,701,208,500 | 255 |
| Average earning assets | $3,349,579,250 | 253 |
| Average equity | $452,753,250 | 238 |
| Average total loans | $2,370,519,750 | 272 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6441% | 4,465 |
| Cost of funding earning assets | 0.2605% | 4,543 |
| Net interest margin | 3.3837% | 3,953 |
| Noninterest income to average assets | 1.3893% | 599 |
| Noninterest expense to average assets | 3.0862% | 2,097 |
| Loan and lease loss provision to assets | 0.0392% | 3,373 |
| Net operating income to assets | 0.9963% | 2,411 |
| Return on assets (ROA) | 1.0014% | 2,528 |
| Pretax return on assets | 1.3374% | 2,256 |
| Return on Equity (ROE) | 8.2853% | 2,840 |
| Retained earnings to average equity (ytd only) | -5.9767% | 5,788 |
| Net charge-offs to loans | 0.1095% | 1,731 |
| Credit loss provision to net charge-offs | 56.0859% | 2,618 |
| Earnings coverage of net charge-offs (x) | 19.5998% | 1,765 |
| Efficiency ratio | 68.3882% | 3,260 |
| Assets per employee ($millions) | 5.1865% | 2,094 |
| Cash dividends to net income (ytd only)* | 172.1362% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8380% | 5,169 |
| Loan loss allowance to noncurrent loans | 121.0351% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 3,464 |
| Noncurrent loans to loans | 0.6924% | 3,001 |
| Net loans and leases to total assets | 63.6091% | 3,424 |
| Net loans and leases to deposits | 81.4180% | 2,768 |
| Net loans and leases to core deposits | 83.0975% | 3,158 |
| Total domestic deposits to total assets | 78.1266% | 4,974 |
| Equity capital to assets | 12.4283% | 1,820 |
| Core capital (leverage) ratio | 10.3679% | 3,117 |
| Tier 1 risk-based capital ratio | 13.7886% | 3,727 |
| Total risk-based capital ratio | 14.5903% | 3,908 |
| Memoranda: | ||
| Average total assets | $3,596,884,670 | 260 |
| Average earning assets | $3,260,132,670 | 259 |
| Average equity | $434,721,670 | 241 |
| Average total loans | $2,296,732,000 | 279 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7072% | 4,295 |
| Cost of funding earning assets | 0.2629% | 4,577 |
| Net interest margin | 3.4443% | 3,694 |
| Noninterest income to average assets | 1.3524% | 607 |
| Noninterest expense to average assets | 2.8554% | 2,863 |
| Loan and lease loss provision to assets | 0.0588% | 2,781 |
| Net operating income to assets | 1.1763% | 1,627 |
| Return on assets (ROA) | 1.1778% | 1,725 |
| Pretax return on assets | 1.5737% | 1,366 |
| Return on Equity (ROE) | 9.9100% | 2,022 |
| Retained earnings to average equity (ytd only) | 0.0069% | 5,104 |
| Net charge-offs to loans | 0.2663% | 784 |
| Credit loss provision to net charge-offs | 34.6981% | 2,184 |
| Earnings coverage of net charge-offs (x) | 9.6142% | 1,977 |
| Efficiency ratio | 62.7906% | 4,328 |
| Assets per employee ($millions) | 4.7515% | 2,673 |
| Cash dividends to net income (ytd only)* | 99.9300% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 4,749 |
| Loan loss allowance to noncurrent loans | 186.0787% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 4,038 |
| Noncurrent loans to loans | 0.5231% | 3,614 |
| Net loans and leases to total assets | 62.8576% | 3,406 |
| Net loans and leases to deposits | 80.4740% | 2,734 |
| Net loans and leases to core deposits | 82.5865% | 3,077 |
| Total domestic deposits to total assets | 78.1092% | 5,128 |
| Equity capital to assets | 11.9372% | 2,068 |
| Core capital (leverage) ratio | 9.4017% | 4,346 |
| Tier 1 risk-based capital ratio | 13.4406% | 4,017 |
| Total risk-based capital ratio | 14.3500% | 4,118 |
| Memoranda: | ||
| Average total assets | $3,398,525,500 | 271 |
| Average earning assets | $3,091,969,500 | 268 |
| Average equity | $403,914,000 | 256 |
| Average total loans | $2,164,216,000 | 283 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 4,146 |
| Cost of funding earning assets | 0.2422% | 4,863 |
| Net interest margin | 3.5238% | 3,439 |
| Noninterest income to average assets | 1.5193% | 542 |
| Noninterest expense to average assets | 3.0417% | 2,408 |
| Loan and lease loss provision to assets | 0.0500% | 3,319 |
| Net operating income to assets | 1.2134% | 1,508 |
| Return on assets (ROA) | 1.2224% | 1,539 |
| Pretax return on assets | 1.6262% | 1,178 |
| Return on Equity (ROE) | 9.9951% | 2,012 |
| Retained earnings to average equity (ytd only) | 2.9510% | 3,963 |
| Net charge-offs to loans | 0.1398% | 1,952 |
| Credit loss provision to net charge-offs | 56.9177% | 3,298 |
| Earnings coverage of net charge-offs (x) | 18.9475% | 1,978 |
| Efficiency ratio | 63.5624% | 4,359 |
| Assets per employee ($millions) | 4.5504% | 2,962 |
| Cash dividends to net income (ytd only)* | 70.4757% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 4,494 |
| Loan loss allowance to noncurrent loans | 171.4419% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 3,863 |
| Noncurrent loans to loans | 0.5938% | 3,389 |
| Net loans and leases to total assets | 63.2377% | 3,383 |
| Net loans and leases to deposits | 80.3223% | 2,787 |
| Net loans and leases to core deposits | 82.6030% | 3,086 |
| Total domestic deposits to total assets | 78.7300% | 5,027 |
| Equity capital to assets | 11.8323% | 2,087 |
| Core capital (leverage) ratio | 9.5667% | 4,089 |
| Tier 1 risk-based capital ratio | 13.5635% | 3,971 |
| Total risk-based capital ratio | 14.5200% | 4,071 |
| Memoranda: | ||
| Average total assets | $3,250,294,200 | 263 |
| Average earning assets | $2,939,448,800 | 264 |
| Average equity | $397,495,600 | 246 |
| Average total loans | $2,041,684,400 | 280 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7830% | 4,147 |
| Cost of funding earning assets | 0.2409% | 4,986 |
| Net interest margin | 3.5420% | 3,374 |
| Noninterest income to average assets | 1.5266% | 534 |
| Noninterest expense to average assets | 3.0482% | 2,370 |
| Loan and lease loss provision to assets | 0.0332% | 3,564 |
| Net operating income to assets | 1.2480% | 1,493 |
| Return on assets (ROA) | 1.2593% | 1,517 |
| Pretax return on assets | 1.6568% | 1,220 |
| Return on Equity (ROE) | 10.2100% | 2,020 |
| Retained earnings to average equity (ytd only) | 4.1606% | 3,504 |
| Net charge-offs to loans | 0.1344% | 1,789 |
| Credit loss provision to net charge-offs | 39.4672% | 3,166 |
| Earnings coverage of net charge-offs (x) | 19.9359% | 1,902 |
| Efficiency ratio | 63.4209% | 4,347 |
| Assets per employee ($millions) | 4.6190% | 2,813 |
| Cash dividends to net income (ytd only)* | 59.2495% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 4,439 |
| Loan loss allowance to noncurrent loans | 162.1365% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 3,890 |
| Noncurrent loans to loans | 0.6511% | 3,375 |
| Net loans and leases to total assets | 61.8139% | 3,636 |
| Net loans and leases to deposits | 78.9145% | 3,001 |
| Net loans and leases to core deposits | 81.2400% | 3,323 |
| Total domestic deposits to total assets | 78.3303% | 5,121 |
| Equity capital to assets | 12.1003% | 2,028 |
| Core capital (leverage) ratio | 9.6701% | 4,077 |
| Tier 1 risk-based capital ratio | 13.8855% | 3,910 |
| Total risk-based capital ratio | 14.8804% | 3,994 |
| Memoranda: | ||
| Average total assets | $3,216,497,000 | 271 |
| Average earning assets | $2,902,881,000 | 272 |
| Average equity | $396,724,000 | 250 |
| Average total loans | $2,011,374,750 | 286 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8026% | 4,058 |
| Cost of funding earning assets | 0.2474% | 4,969 |
| Net interest margin | 3.5551% | 3,265 |
| Noninterest income to average assets | 1.4876% | 574 |
| Noninterest expense to average assets | 3.0992% | 2,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2145% | 1,555 |
| Return on assets (ROA) | 1.2296% | 1,590 |
| Pretax return on assets | 1.6097% | 1,304 |
| Return on Equity (ROE) | 9.9034% | 2,117 |
| Retained earnings to average equity (ytd only) | 5.8453% | 2,331 |
| Net charge-offs to loans | 0.0782% | 2,270 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 32.4878% | 1,294 |
| Efficiency ratio | 64.9676% | 4,198 |
| Assets per employee ($millions) | 4.5710% | 2,872 |
| Cash dividends to net income (ytd only)* | 40.9773% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 4,215 |
| Loan loss allowance to noncurrent loans | 141.5711% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5528% | 3,766 |
| Noncurrent loans to loans | 0.7925% | 3,129 |
| Net loans and leases to total assets | 61.0250% | 3,689 |
| Net loans and leases to deposits | 78.0550% | 3,021 |
| Net loans and leases to core deposits | 80.3673% | 3,347 |
| Total domestic deposits to total assets | 78.1820% | 5,240 |
| Equity capital to assets | 12.2891% | 1,813 |
| Core capital (leverage) ratio | 9.9904% | 3,617 |
| Tier 1 risk-based capital ratio | 14.2498% | 3,793 |
| Total risk-based capital ratio | 15.2850% | 3,844 |
| Memoranda: | ||
| Average total assets | $3,175,488,670 | 272 |
| Average earning assets | $2,859,640,330 | 275 |
| Average equity | $394,267,670 | 255 |
| Average total loans | $1,986,395,670 | 284 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 3,881 |
| Cost of funding earning assets | 0.2683% | 4,813 |
| Net interest margin | 3.5649% | 3,151 |
| Noninterest income to average assets | 1.3959% | 597 |
| Noninterest expense to average assets | 3.2574% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0643% | 1,986 |
| Return on assets (ROA) | 1.0894% | 2,018 |
| Pretax return on assets | 1.3912% | 1,919 |
| Return on Equity (ROE) | 8.7278% | 2,583 |
| Retained earnings to average equity (ytd only) | 0.5643% | 5,203 |
| Net charge-offs to loans | 0.1238% | 1,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 17.4363% | 1,524 |
| Efficiency ratio | 69.4035% | 3,595 |
| Assets per employee ($millions) | 4.5290% | 3,004 |
| Cash dividends to net income (ytd only)* | 93.5344% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 4,331 |
| Loan loss allowance to noncurrent loans | 161.9661% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.5125% | 3,974 |
| Noncurrent loans to loans | 0.7023% | 3,521 |
| Net loans and leases to total assets | 62.3290% | 3,315 |
| Net loans and leases to deposits | 79.2270% | 2,658 |
| Net loans and leases to core deposits | 81.2939% | 3,022 |
| Total domestic deposits to total assets | 78.6714% | 5,323 |
| Equity capital to assets | 12.4825% | 1,703 |
| Core capital (leverage) ratio | 9.9159% | 3,720 |
| Tier 1 risk-based capital ratio | 14.5244% | 3,706 |
| Total risk-based capital ratio | 15.6146% | 3,715 |
| Memoranda: | ||
| Average total assets | $3,140,533,000 | 273 |
| Average earning assets | $2,837,182,500 | 275 |
| Average equity | $391,987,000 | 255 |
| Average total loans | $1,978,105,000 | 283 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9267% | 4,033 |
| Cost of funding earning assets | 0.2796% | 5,004 |
| Net interest margin | 3.6471% | 3,224 |
| Noninterest income to average assets | 1.4601% | 572 |
| Noninterest expense to average assets | 3.1624% | 2,323 |
| Loan and lease loss provision to assets | 0.0515% | 3,530 |
| Net operating income to assets | 1.1712% | 1,668 |
| Return on assets (ROA) | 1.1586% | 1,800 |
| Pretax return on assets | 1.5086% | 1,509 |
| Return on Equity (ROE) | 9.5584% | 2,309 |
| Retained earnings to average equity (ytd only) | 2.7587% | 4,276 |
| Net charge-offs to loans | 0.3329% | 1,323 |
| Credit loss provision to net charge-offs | 25.6016% | 3,910 |
| Earnings coverage of net charge-offs (x) | 7.8346% | 2,967 |
| Efficiency ratio | 65.5091% | 4,325 |
| Assets per employee ($millions) | 4.4507% | 3,119 |
| Cash dividends to net income (ytd only)* | 71.1385% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 4,114 |
| Loan loss allowance to noncurrent loans | 171.0062% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.5212% | 4,057 |
| Noncurrent loans to loans | 0.6915% | 3,607 |
| Net loans and leases to total assets | 62.1817% | 3,474 |
| Net loans and leases to deposits | 78.5315% | 2,908 |
| Net loans and leases to core deposits | 80.3701% | 3,249 |
| Total domestic deposits to total assets | 79.1806% | 5,210 |
| Equity capital to assets | 12.4806% | 1,664 |
| Core capital (leverage) ratio | 9.9351% | 3,668 |
| Tier 1 risk-based capital ratio | 14.4675% | 3,796 |
| Total risk-based capital ratio | 15.5972% | 3,802 |
| Memoranda: | ||
| Average total assets | $2,911,797,400 | 274 |
| Average earning assets | $2,617,751,800 | 273 |
| Average equity | $352,955,400 | 263 |
| Average total loans | $1,759,779,800 | 293 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 4,049 |
| Cost of funding earning assets | 0.2797% | 5,096 |
| Net interest margin | 3.6508% | 3,220 |
| Noninterest income to average assets | 1.4500% | 599 |
| Noninterest expense to average assets | 3.0220% | 2,727 |
| Loan and lease loss provision to assets | 0.0700% | 2,950 |
| Net operating income to assets | 1.2450% | 1,540 |
| Return on assets (ROA) | 1.2271% | 1,650 |
| Pretax return on assets | 1.6145% | 1,283 |
| Return on Equity (ROE) | 10.2061% | 2,114 |
| Retained earnings to average equity (ytd only) | 3.9994% | 3,806 |
| Net charge-offs to loans | 0.3559% | 1,135 |
| Credit loss provision to net charge-offs | 32.8947% | 3,413 |
| Earnings coverage of net charge-offs (x) | 8.0303% | 2,863 |
| Efficiency ratio | 62.6573% | 4,789 |
| Assets per employee ($millions) | 4.4373% | 3,069 |
| Cash dividends to net income (ytd only)* | 60.8134% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 3,196 |
| Loan loss allowance to noncurrent loans | 151.7994% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 3,826 |
| Noncurrent loans to loans | 0.9199% | 3,267 |
| Net loans and leases to total assets | 60.1014% | 3,772 |
| Net loans and leases to deposits | 77.4950% | 3,006 |
| Net loans and leases to core deposits | 78.9774% | 3,440 |
| Total domestic deposits to total assets | 77.5551% | 5,599 |
| Equity capital to assets | 12.2415% | 1,876 |
| Core capital (leverage) ratio | 9.9043% | 3,812 |
| Tier 1 risk-based capital ratio | 14.5406% | 3,864 |
| Total risk-based capital ratio | 15.7914% | 3,804 |
| Memoranda: | ||
| Average total assets | $2,858,651,250 | 277 |
| Average earning assets | $2,568,268,250 | 273 |
| Average equity | $343,709,000 | 262 |
| Average total loans | $1,708,214,000 | 296 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 3,874 |
| Cost of funding earning assets | 0.2863% | 5,118 |
| Net interest margin | 3.6785% | 3,039 |
| Noninterest income to average assets | 1.4124% | 609 |
| Noninterest expense to average assets | 3.0556% | 2,647 |
| Loan and lease loss provision to assets | 0.1053% | 2,264 |
| Net operating income to assets | 1.1920% | 1,617 |
| Return on assets (ROA) | 1.1647% | 1,775 |
| Pretax return on assets | 1.5155% | 1,492 |
| Return on Equity (ROE) | 9.7467% | 2,263 |
| Retained earnings to average equity (ytd only) | 5.0489% | 2,932 |
| Net charge-offs to loans | 0.6198% | 637 |
| Credit loss provision to net charge-offs | 28.6150% | 3,076 |
| Earnings coverage of net charge-offs (x) | 4.5023% | 3,098 |
| Efficiency ratio | 63.5654% | 4,759 |
| Assets per employee ($millions) | 4.3696% | 3,137 |
| Cash dividends to net income (ytd only)* | 48.1986% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 3,354 |
| Loan loss allowance to noncurrent loans | 141.8712% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.7222% | 3,815 |
| Noncurrent loans to loans | 0.9860% | 3,259 |
| Net loans and leases to total assets | 59.1394% | 3,842 |
| Net loans and leases to deposits | 74.2498% | 3,290 |
| Net loans and leases to core deposits | 75.5462% | 3,670 |
| Total domestic deposits to total assets | 79.6492% | 5,317 |
| Equity capital to assets | 12.3889% | 1,712 |
| Core capital (leverage) ratio | 9.7697% | 3,933 |
| Tier 1 risk-based capital ratio | 14.8338% | 3,731 |
| Total risk-based capital ratio | 16.0845% | 3,669 |
| Memoranda: | ||
| Average total assets | $2,850,130,670 | 273 |
| Average earning assets | $2,556,348,330 | 273 |
| Average equity | $340,588,330 | 261 |
| Average total loans | $1,691,618,670 | 293 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 3,776 |
| Cost of funding earning assets | 0.2922% | 5,154 |
| Net interest margin | 3.6860% | 2,923 |
| Noninterest income to average assets | 1.2737% | 685 |
| Noninterest expense to average assets | 3.1007% | 2,531 |
| Loan and lease loss provision to assets | 0.1052% | 2,165 |
| Net operating income to assets | 1.0675% | 1,941 |
| Return on assets (ROA) | 1.0675% | 2,008 |
| Pretax return on assets | 1.3718% | 1,846 |
| Return on Equity (ROE) | 9.1002% | 2,413 |
| Retained earnings to average equity (ytd only) | -0.4613% | 5,637 |
| Net charge-offs to loans | 0.2641% | 1,282 |
| Credit loss provision to net charge-offs | 67.4460% | 2,030 |
| Earnings coverage of net charge-offs (x) | 9.4730% | 1,932 |
| Efficiency ratio | 66.4124% | 4,462 |
| Assets per employee ($millions) | 4.3241% | 3,299 |
| Cash dividends to net income (ytd only)* | 105.0696% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 2,645 |
| Loan loss allowance to noncurrent loans | 135.7598% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.8366% | 3,632 |
| Noncurrent loans to loans | 1.1870% | 3,063 |
| Net loans and leases to total assets | 58.2015% | 3,813 |
| Net loans and leases to deposits | 74.3442% | 3,024 |
| Net loans and leases to core deposits | 76.2336% | 3,387 |
| Total domestic deposits to total assets | 78.2864% | 5,788 |
| Equity capital to assets | 11.7973% | 2,012 |
| Core capital (leverage) ratio | 9.4542% | 4,342 |
| Tier 1 risk-based capital ratio | 14.4078% | 4,060 |
| Total risk-based capital ratio | 15.6610% | 4,018 |
| Memoranda: | ||
| Average total assets | $2,852,899,500 | 272 |
| Average earning assets | $2,557,252,500 | 273 |
| Average equity | $334,675,500 | 261 |
| Average total loans | $1,684,357,500 | 294 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 3,818 |
| Cost of funding earning assets | 0.3345% | 5,288 |
| Net interest margin | 3.7455% | 2,876 |
| Noninterest income to average assets | 1.4786% | 641 |
| Noninterest expense to average assets | 3.3099% | 2,116 |
| Loan and lease loss provision to assets | 0.1635% | 2,232 |
| Net operating income to assets | 1.1024% | 1,926 |
| Return on assets (ROA) | 1.1268% | 1,909 |
| Pretax return on assets | 1.3874% | 1,833 |
| Return on Equity (ROE) | 9.1034% | 2,487 |
| Retained earnings to average equity (ytd only) | -0.8008% | 6,028 |
| Net charge-offs to loans | 0.5706% | 1,152 |
| Credit loss provision to net charge-offs | 49.5465% | 3,829 |
| Earnings coverage of net charge-offs (x) | 4.6091% | 3,515 |
| Efficiency ratio | 67.1237% | 4,350 |
| Assets per employee ($millions) | 4.2311% | 3,397 |
| Cash dividends to net income (ytd only)* | 108.7965% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6454% | 2,588 |
| Loan loss allowance to noncurrent loans | 123.5081% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.9297% | 3,581 |
| Noncurrent loans to loans | 1.3322% | 2,908 |
| Net loans and leases to total assets | 57.9556% | 4,038 |
| Net loans and leases to deposits | 74.6224% | 3,172 |
| Net loans and leases to core deposits | 76.5355% | 3,549 |
| Total domestic deposits to total assets | 77.6652% | 5,875 |
| Equity capital to assets | 11.6646% | 2,051 |
| Core capital (leverage) ratio | 9.5726% | 4,149 |
| Tier 1 risk-based capital ratio | 14.4890% | 3,963 |
| Total risk-based capital ratio | 15.7425% | 3,897 |
| Memoranda: | ||
| Average total assets | $2,773,474,400 | 273 |
| Average earning assets | $2,482,166,000 | 275 |
| Average equity | $343,289,400 | 247 |
| Average total loans | $1,603,777,200 | 296 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0945% | 3,785 |
| Cost of funding earning assets | 0.3438% | 5,353 |
| Net interest margin | 3.7507% | 2,844 |
| Noninterest income to average assets | 1.4942% | 661 |
| Noninterest expense to average assets | 3.3520% | 1,941 |
| Loan and lease loss provision to assets | 0.1807% | 2,013 |
| Net operating income to assets | 1.0743% | 2,100 |
| Return on assets (ROA) | 1.1070% | 2,053 |
| Pretax return on assets | 1.3589% | 2,079 |
| Return on Equity (ROE) | 8.8126% | 2,734 |
| Retained earnings to average equity (ytd only) | -1.2043% | 6,162 |
| Net charge-offs to loans | 0.6822% | 884 |
| Credit loss provision to net charge-offs | 46.0362% | 3,594 |
| Earnings coverage of net charge-offs (x) | 3.8191% | 3,605 |
| Efficiency ratio | 67.6872% | 4,151 |
| Assets per employee ($millions) | 4.2321% | 3,361 |
| Cash dividends to net income (ytd only)* | 113.6662% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7224% | 2,551 |
| Loan loss allowance to noncurrent loans | 99.5638% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.1657% | 3,325 |
| Noncurrent loans to loans | 1.7299% | 2,600 |
| Net loans and leases to total assets | 56.5470% | 4,238 |
| Net loans and leases to deposits | 72.9543% | 3,415 |
| Net loans and leases to core deposits | 75.2582% | 3,703 |
| Total domestic deposits to total assets | 77.5103% | 5,972 |
| Equity capital to assets | 11.9863% | 1,926 |
| Core capital (leverage) ratio | 9.7762% | 3,997 |
| Tier 1 risk-based capital ratio | 15.0640% | 3,712 |
| Total risk-based capital ratio | 16.3183% | 3,659 |
| Memoranda: | ||
| Average total assets | $2,754,957,250 | 276 |
| Average earning assets | $2,465,766,750 | 275 |
| Average equity | $346,073,000 | 245 |
| Average total loans | $1,585,241,250 | 300 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 3,708 |
| Cost of funding earning assets | 0.3555% | 5,349 |
| Net interest margin | 3.7531% | 2,751 |
| Noninterest income to average assets | 1.4583% | 743 |
| Noninterest expense to average assets | 3.4648% | 1,690 |
| Loan and lease loss provision to assets | 0.1998% | 1,900 |
| Net operating income to assets | 0.9679% | 2,476 |
| Return on assets (ROA) | 1.0190% | 2,371 |
| Pretax return on assets | 1.2159% | 2,603 |
| Return on Equity (ROE) | 7.9867% | 3,107 |
| Retained earnings to average equity (ytd only) | -2.3239% | 6,229 |
| Net charge-offs to loans | 0.8837% | 710 |
| Credit loss provision to net charge-offs | 39.2929% | 3,430 |
| Earnings coverage of net charge-offs (x) | 2.6643% | 3,630 |
| Efficiency ratio | 70.4353% | 3,747 |
| Assets per employee ($millions) | 4.1396% | 3,495 |
| Cash dividends to net income (ytd only)* | 129.0970% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 2,577 |
| Loan loss allowance to noncurrent loans | 90.6771% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 3,160 |
| Noncurrent loans to loans | 1.9358% | 2,468 |
| Net loans and leases to total assets | 56.8477% | 4,157 |
| Net loans and leases to deposits | 71.1231% | 3,569 |
| Net loans and leases to core deposits | 72.9618% | 3,935 |
| Total domestic deposits to total assets | 79.9286% | 5,616 |
| Equity capital to assets | 12.2285% | 1,756 |
| Core capital (leverage) ratio | 9.6857% | 3,957 |
| Tier 1 risk-based capital ratio | 15.2947% | 3,598 |
| Total risk-based capital ratio | 16.5497% | 3,555 |
| Memoranda: | ||
| Average total assets | $2,736,578,330 | 277 |
| Average earning assets | $2,450,925,000 | 278 |
| Average equity | $349,155,000 | 242 |
| Average total loans | $1,574,697,000 | 300 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 3,534 |
| Cost of funding earning assets | 0.3750% | 5,325 |
| Net interest margin | 3.7702% | 2,566 |
| Noninterest income to average assets | 1.3225% | 882 |
| Noninterest expense to average assets | 3.7123% | 1,228 |
| Loan and lease loss provision to assets | 0.2544% | 1,405 |
| Net operating income to assets | 0.6708% | 3,843 |
| Return on assets (ROA) | 0.7835% | 3,392 |
| Pretax return on assets | 0.8577% | 3,922 |
| Return on Equity (ROE) | 6.0141% | 4,042 |
| Retained earnings to average equity (ytd only) | -5.2483% | 6,379 |
| Net charge-offs to loans | 0.5707% | 1,068 |
| Credit loss provision to net charge-offs | 77.6882% | 2,187 |
| Earnings coverage of net charge-offs (x) | 3.0179% | 2,868 |
| Efficiency ratio | 77.4774% | 2,697 |
| Assets per employee ($millions) | 3.9787% | 3,994 |
| Cash dividends to net income (ytd only)* | 187.2659% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0359% | 1,953 |
| Loan loss allowance to noncurrent loans | 87.7046% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.5503% | 2,941 |
| Noncurrent loans to loans | 2.3213% | 2,256 |
| Net loans and leases to total assets | 56.3461% | 4,035 |
| Net loans and leases to deposits | 69.4927% | 3,577 |
| Net loans and leases to core deposits | 71.2944% | 3,913 |
| Total domestic deposits to total assets | 81.0821% | 5,473 |
| Equity capital to assets | 12.9483% | 1,457 |
| Core capital (leverage) ratio | 9.7242% | 3,758 |
| Tier 1 risk-based capital ratio | 15.7034% | 3,421 |
| Total risk-based capital ratio | 16.9618% | 3,383 |
| Memoranda: | ||
| Average total assets | $2,726,379,000 | 278 |
| Average earning assets | $2,442,864,000 | 281 |
| Average equity | $355,164,000 | 246 |
| Average total loans | $1,564,405,500 | 301 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 3,701 |
| Cost of funding earning assets | 0.5238% | 5,038 |
| Net interest margin | 3.9060% | 2,800 |
| Noninterest income to average assets | 1.5133% | 687 |
| Noninterest expense to average assets | 3.1729% | 2,701 |
| Loan and lease loss provision to assets | 0.3601% | 1,843 |
| Net operating income to assets | 1.1718% | 1,690 |
| Return on assets (ROA) | 1.2257% | 1,686 |
| Pretax return on assets | 1.5544% | 1,504 |
| Return on Equity (ROE) | 9.1634% | 2,553 |
| Retained earnings to average equity (ytd only) | -3.8178% | 6,345 |
| Net charge-offs to loans | 1.1247% | 928 |
| Credit loss provision to net charge-offs | 56.2439% | 4,543 |
| Earnings coverage of net charge-offs (x) | 2.8838% | 3,991 |
| Efficiency ratio | 61.8798% | 5,254 |
| Assets per employee ($millions) | 4.1502% | 3,650 |
| Cash dividends to net income (ytd only)* | 141.6642% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0521% | 1,883 |
| Loan loss allowance to noncurrent loans | 89.4797% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.5563% | 3,048 |
| Noncurrent loans to loans | 2.2934% | 2,357 |
| Net loans and leases to total assets | 56.0705% | 4,280 |
| Net loans and leases to deposits | 70.1941% | 3,683 |
| Net loans and leases to core deposits | 72.0555% | 4,041 |
| Total domestic deposits to total assets | 79.8792% | 5,700 |
| Equity capital to assets | 13.1046% | 1,386 |
| Core capital (leverage) ratio | 9.8995% | 3,545 |
| Tier 1 risk-based capital ratio | 15.9045% | 3,216 |
| Total risk-based capital ratio | 17.1632% | 3,172 |
| Memoranda: | ||
| Average total assets | $2,735,515,600 | 266 |
| Average earning assets | $2,455,262,400 | 266 |
| Average equity | $365,914,200 | 239 |
| Average total loans | $1,557,096,800 | 298 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 3,741 |
| Cost of funding earning assets | 0.5523% | 5,064 |
| Net interest margin | 3.9203% | 2,840 |
| Noninterest income to average assets | 1.3935% | 772 |
| Noninterest expense to average assets | 3.1764% | 2,647 |
| Loan and lease loss provision to assets | 0.3707% | 1,749 |
| Net operating income to assets | 1.0912% | 2,124 |
| Return on assets (ROA) | 1.1640% | 2,049 |
| Pretax return on assets | 1.4609% | 2,037 |
| Return on Equity (ROE) | 8.6579% | 2,973 |
| Retained earnings to average equity (ytd only) | -3.1326% | 6,487 |
| Net charge-offs to loans | 1.0507% | 1,002 |
| Credit loss provision to net charge-offs | 62.0712% | 4,102 |
| Earnings coverage of net charge-offs (x) | 2.9145% | 3,864 |
| Efficiency ratio | 63.2668% | 4,931 |
| Assets per employee ($millions) | 4.2806% | 3,315 |
| Cash dividends to net income (ytd only)* | 136.1827% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2660% | 1,589 |
| Loan loss allowance to noncurrent loans | 78.0781% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 2.0104% | 2,620 |
| Noncurrent loans to loans | 2.9022% | 1,925 |
| Net loans and leases to total assets | 55.7517% | 4,495 |
| Net loans and leases to deposits | 72.5505% | 3,522 |
| Net loans and leases to core deposits | 74.9345% | 3,856 |
| Total domestic deposits to total assets | 76.8454% | 6,262 |
| Equity capital to assets | 13.4677% | 1,360 |
| Core capital (leverage) ratio | 10.2481% | 3,228 |
| Tier 1 risk-based capital ratio | 16.4500% | 3,032 |
| Total risk-based capital ratio | 17.7111% | 2,989 |
| Memoranda: | ||
| Average total assets | $2,733,572,500 | 267 |
| Average earning assets | $2,456,845,250 | 265 |
| Average equity | $367,518,250 | 239 |
| Average total loans | $1,553,770,500 | 300 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5220% | 3,674 |
| Cost of funding earning assets | 0.5805% | 5,072 |
| Net interest margin | 3.9415% | 2,746 |
| Noninterest income to average assets | 1.3295% | 803 |
| Noninterest expense to average assets | 3.1057% | 2,910 |
| Loan and lease loss provision to assets | 0.4094% | 1,604 |
| Net operating income to assets | 1.0832% | 2,115 |
| Return on assets (ROA) | 1.1438% | 2,117 |
| Pretax return on assets | 1.4321% | 2,080 |
| Return on Equity (ROE) | 8.5122% | 3,012 |
| Retained earnings to average equity (ytd only) | -9.1694% | 6,813 |
| Net charge-offs to loans | 0.9271% | 1,191 |
| Credit loss provision to net charge-offs | 77.7778% | 3,379 |
| Earnings coverage of net charge-offs (x) | 3.3549% | 3,406 |
| Efficiency ratio | 62.4019% | 5,183 |
| Assets per employee ($millions) | 4.4116% | 3,066 |
| Cash dividends to net income (ytd only)* | 207.7208% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4586% | 1,340 |
| Loan loss allowance to noncurrent loans | 81.4781% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 2.0707% | 2,698 |
| Noncurrent loans to loans | 3.0174% | 1,954 |
| Net loans and leases to total assets | 55.4491% | 4,554 |
| Net loans and leases to deposits | 69.1074% | 4,027 |
| Net loans and leases to core deposits | 71.2151% | 4,388 |
| Total domestic deposits to total assets | 80.2361% | 5,679 |
| Equity capital to assets | 13.0151% | 1,513 |
| Core capital (leverage) ratio | 9.7087% | 3,822 |
| Tier 1 risk-based capital ratio | 16.0208% | 3,158 |
| Total risk-based capital ratio | 17.2842% | 3,119 |
| Memoranda: | ||
| Average total assets | $2,735,852,670 | 266 |
| Average earning assets | $2,458,581,330 | 266 |
| Average equity | $367,615,000 | 236 |
| Average total loans | $1,553,212,000 | 297 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 3,700 |
| Cost of funding earning assets | 0.5978% | 5,151 |
| Net interest margin | 3.9557% | 2,688 |
| Noninterest income to average assets | 1.2233% | 959 |
| Noninterest expense to average assets | 3.0937% | 2,935 |
| Loan and lease loss provision to assets | 0.4536% | 1,359 |
| Net operating income to assets | 0.9884% | 2,523 |
| Return on assets (ROA) | 1.1054% | 2,247 |
| Pretax return on assets | 1.3675% | 2,297 |
| Return on Equity (ROE) | 8.0988% | 3,242 |
| Retained earnings to average equity (ytd only) | 5.4189% | 3,306 |
| Net charge-offs to loans | 1.1470% | 901 |
| Credit loss provision to net charge-offs | 69.6942% | 2,919 |
| Earnings coverage of net charge-offs (x) | 2.5764% | 3,138 |
| Efficiency ratio | 63.4657% | 5,024 |
| Assets per employee ($millions) | 4.4390% | 3,108 |
| Cash dividends to net income (ytd only)* | 33.0907% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4845% | 1,379 |
| Loan loss allowance to noncurrent loans | 89.3767% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.9642% | 2,957 |
| Noncurrent loans to loans | 2.7798% | 2,332 |
| Net loans and leases to total assets | 55.2312% | 4,519 |
| Net loans and leases to deposits | 69.8341% | 3,756 |
| Net loans and leases to core deposits | 71.9565% | 4,155 |
| Total domestic deposits to total assets | 79.0892% | 6,055 |
| Equity capital to assets | 13.7154% | 1,134 |
| Core capital (leverage) ratio | 10.7582% | 2,481 |
| Tier 1 risk-based capital ratio | 17.3125% | 2,546 |
| Total risk-based capital ratio | 18.5761% | 2,512 |
| Memoranda: | ||
| Average total assets | $2,733,971,000 | 265 |
| Average earning assets | $2,451,524,500 | 266 |
| Average equity | $373,140,500 | 233 |
| Average total loans | $1,551,127,500 | 293 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 3,122 |
| Cost of funding earning assets | 0.8147% | 4,750 |
| Net interest margin | 4.1324% | 2,296 |
| Noninterest income to average assets | 1.1886% | 938 |
| Noninterest expense to average assets | 3.3320% | 2,415 |
| Loan and lease loss provision to assets | 0.6468% | 1,574 |
| Net operating income to assets | 0.7356% | 3,314 |
| Return on assets (ROA) | 1.0740% | 2,048 |
| Pretax return on assets | 1.3138% | 2,076 |
| Return on Equity (ROE) | 8.4127% | 2,710 |
| Retained earnings to average equity (ytd only) | 7.7011% | 1,190 |
| Net charge-offs to loans | 1.2710% | 1,303 |
| Credit loss provision to net charge-offs | 86.7616% | 4,164 |
| Earnings coverage of net charge-offs (x) | 2.0763% | 4,223 |
| Efficiency ratio | 66.8357% | 4,604 |
| Assets per employee ($millions) | 4.2509% | 3,363 |
| Cash dividends to net income (ytd only)* | 8.4588% | 3,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5718% | 1,222 |
| Loan loss allowance to noncurrent loans | 89.0479% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 2.2078% | 2,730 |
| Noncurrent loans to loans | 2.8882% | 2,264 |
| Net loans and leases to total assets | 55.3710% | 4,819 |
| Net loans and leases to deposits | 69.7328% | 4,153 |
| Net loans and leases to core deposits | 71.9362% | 4,540 |
| Total domestic deposits to total assets | 79.4045% | 5,891 |
| Equity capital to assets | 13.5810% | 1,228 |
| Core capital (leverage) ratio | 10.3345% | 2,930 |
| Tier 1 risk-based capital ratio | 16.8548% | 2,664 |
| Total risk-based capital ratio | 18.1192% | 2,625 |
| Memoranda: | ||
| Average total assets | $2,751,945,600 | 266 |
| Average earning assets | $2,458,136,200 | 259 |
| Average equity | $351,314,800 | 238 |
| Average total loans | $1,614,196,200 | 282 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0139% | 3,017 |
| Cost of funding earning assets | 0.8625% | 4,684 |
| Net interest margin | 4.1514% | 2,277 |
| Noninterest income to average assets | 1.2210% | 886 |
| Noninterest expense to average assets | 3.1490% | 3,000 |
| Loan and lease loss provision to assets | 0.7059% | 1,360 |
| Net operating income to assets | 0.8685% | 2,866 |
| Return on assets (ROA) | 1.0611% | 2,245 |
| Pretax return on assets | 1.3124% | 2,249 |
| Return on Equity (ROE) | 8.4454% | 2,857 |
| Retained earnings to average equity (ytd only) | 7.4833% | 1,719 |
| Net charge-offs to loans | 1.2902% | 1,197 |
| Credit loss provision to net charge-offs | 92.5632% | 3,683 |
| Earnings coverage of net charge-offs (x) | 2.3348% | 3,956 |
| Efficiency ratio | 62.4312% | 5,345 |
| Assets per employee ($millions) | 3.8677% | 4,149 |
| Cash dividends to net income (ytd only)* | 11.3911% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6410% | 1,219 |
| Loan loss allowance to noncurrent loans | 95.7302% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 2.2541% | 2,834 |
| Noncurrent loans to loans | 2.7588% | 2,527 |
| Net loans and leases to total assets | 55.9365% | 4,851 |
| Net loans and leases to deposits | 70.1761% | 4,270 |
| Net loans and leases to core deposits | 72.5546% | 4,645 |
| Total domestic deposits to total assets | 79.7087% | 5,826 |
| Equity capital to assets | 13.3974% | 1,414 |
| Core capital (leverage) ratio | 10.1052% | 3,298 |
| Tier 1 risk-based capital ratio | 16.4237% | 2,897 |
| Total risk-based capital ratio | 17.6893% | 2,857 |
| Memoranda: | ||
| Average total assets | $2,757,669,250 | 261 |
| Average earning assets | $2,463,503,000 | 259 |
| Average equity | $346,485,500 | 241 |
| Average total loans | $1,629,997,500 | 278 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0413% | 2,963 |
| Cost of funding earning assets | 0.8977% | 4,689 |
| Net interest margin | 4.1436% | 2,252 |
| Noninterest income to average assets | 1.2342% | 832 |
| Noninterest expense to average assets | 3.1546% | 3,067 |
| Loan and lease loss provision to assets | 0.6940% | 1,368 |
| Net operating income to assets | 0.8741% | 2,754 |
| Return on assets (ROA) | 1.0854% | 2,007 |
| Pretax return on assets | 1.3511% | 1,955 |
| Return on Equity (ROE) | 8.8314% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.8314% | 1,163 |
| Net charge-offs to loans | 1.3018% | 1,178 |
| Credit loss provision to net charge-offs | 89.3688% | 3,469 |
| Earnings coverage of net charge-offs (x) | 2.2935% | 3,679 |
| Efficiency ratio | 62.4744% | 5,507 |
| Assets per employee ($millions) | 3.8229% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5595% | 1,353 |
| Loan loss allowance to noncurrent loans | 97.1599% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 2.0369% | 3,187 |
| Noncurrent loans to loans | 2.6344% | 2,752 |
| Net loans and leases to total assets | 56.4075% | 4,923 |
| Net loans and leases to deposits | 70.1155% | 4,421 |
| Net loans and leases to core deposits | 72.4230% | 4,768 |
| Total domestic deposits to total assets | 80.4493% | 5,691 |
| Equity capital to assets | 12.5453% | 1,756 |
| Core capital (leverage) ratio | 9.7556% | 3,583 |
| Tier 1 risk-based capital ratio | 15.8153% | 3,073 |
| Total risk-based capital ratio | 17.0803% | 3,039 |
| Memoranda: | ||
| Average total assets | $2,766,697,670 | 261 |
| Average earning assets | $2,471,422,670 | 259 |
| Average equity | $340,038,000 | 244 |
| Average total loans | $1,650,388,000 | 279 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0612% | 2,811 |
| Cost of funding earning assets | 0.9413% | 4,635 |
| Net interest margin | 4.1199% | 2,191 |
| Noninterest income to average assets | 1.2101% | 869 |
| Noninterest expense to average assets | 3.2345% | 2,755 |
| Loan and lease loss provision to assets | 0.8143% | 1,031 |
| Net operating income to assets | 0.7222% | 3,421 |
| Return on assets (ROA) | 0.8623% | 2,798 |
| Pretax return on assets | 1.0161% | 3,077 |
| Return on Equity (ROE) | 7.0906% | 3,333 |
| Retained earnings to average equity (ytd only) | 7.0906% | 2,108 |
| Net charge-offs to loans | 1.1888% | 1,167 |
| Credit loss provision to net charge-offs | 113.1313% | 2,374 |
| Earnings coverage of net charge-offs (x) | 2.3141% | 3,152 |
| Efficiency ratio | 64.5479% | 5,267 |
| Assets per employee ($millions) | 3.7757% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6303% | 1,278 |
| Loan loss allowance to noncurrent loans | 72.3654% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 2.9232% | 2,366 |
| Noncurrent loans to loans | 3.6348% | 2,041 |
| Net loans and leases to total assets | 58.2532% | 4,603 |
| Net loans and leases to deposits | 72.1235% | 4,058 |
| Net loans and leases to core deposits | 74.7115% | 4,461 |
| Total domestic deposits to total assets | 80.7686% | 5,730 |
| Equity capital to assets | 12.3299% | 1,724 |
| Core capital (leverage) ratio | 9.6129% | 3,643 |
| Tier 1 risk-based capital ratio | 15.1255% | 3,360 |
| Total risk-based capital ratio | 16.3916% | 3,311 |
| Memoranda: | ||
| Average total assets | $2,750,878,500 | 265 |
| Average earning assets | $2,463,849,500 | 261 |
| Average equity | $334,527,500 | 242 |
| Average total loans | $1,665,615,000 | 279 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3131% | 3,065 |
| Cost of funding earning assets | 1.2463% | 4,238 |
| Net interest margin | 4.0669% | 2,721 |
| Noninterest income to average assets | 1.2328% | 996 |
| Noninterest expense to average assets | 2.9701% | 3,955 |
| Loan and lease loss provision to assets | 1.2480% | 1,243 |
| Net operating income to assets | 0.5896% | 3,720 |
| Return on assets (ROA) | 0.6835% | 3,420 |
| Pretax return on assets | 0.7668% | 3,738 |
| Return on Equity (ROE) | 5.9295% | 3,643 |
| Retained earnings to average equity (ytd only) | 5.9295% | 1,858 |
| Net charge-offs to loans | 2.2079% | 884 |
| Credit loss provision to net charge-offs | 89.7129% | 5,143 |
| Earnings coverage of net charge-offs (x) | 1.3725% | 4,735 |
| Efficiency ratio | 59.3715% | 6,138 |
| Assets per employee ($millions) | 3.6904% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5258% | 1,382 |
| Loan loss allowance to noncurrent loans | 61.5057% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 2.9321% | 2,395 |
| Noncurrent loans to loans | 4.1067% | 1,761 |
| Net loans and leases to total assets | 59.7215% | 4,722 |
| Net loans and leases to deposits | 73.8900% | 4,208 |
| Net loans and leases to core deposits | 76.6093% | 4,629 |
| Total domestic deposits to total assets | 80.8248% | 5,579 |
| Equity capital to assets | 11.9919% | 1,918 |
| Core capital (leverage) ratio | 9.0135% | 4,527 |
| Tier 1 risk-based capital ratio | 14.4436% | 3,588 |
| Total risk-based capital ratio | 15.7086% | 3,529 |
| Memoranda: | ||
| Average total assets | $2,824,553,000 | 253 |
| Average earning assets | $2,532,664,400 | 253 |
| Average equity | $325,573,400 | 244 |
| Average total loans | $1,779,579,600 | 266 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3565% | 3,090 |
| Cost of funding earning assets | 1.2886% | 4,303 |
| Net interest margin | 4.0679% | 2,772 |
| Noninterest income to average assets | 1.1661% | 1,026 |
| Noninterest expense to average assets | 2.9044% | 4,073 |
| Loan and lease loss provision to assets | 1.3720% | 990 |
| Net operating income to assets | 0.4919% | 4,352 |
| Return on assets (ROA) | 0.6204% | 3,957 |
| Pretax return on assets | 0.6743% | 4,328 |
| Return on Equity (ROE) | 5.4354% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.4354% | 2,688 |
| Net charge-offs to loans | 2.4731% | 687 |
| Credit loss provision to net charge-offs | 87.4727% | 4,875 |
| Earnings coverage of net charge-offs (x) | 1.2156% | 4,847 |
| Efficiency ratio | 58.8581% | 6,130 |
| Assets per employee ($millions) | 3.8358% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4513% | 1,395 |
| Loan loss allowance to noncurrent loans | 52.7375% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 3.1714% | 2,269 |
| Noncurrent loans to loans | 4.6482% | 1,534 |
| Net loans and leases to total assets | 59.8499% | 4,942 |
| Net loans and leases to deposits | 74.8916% | 4,362 |
| Net loans and leases to core deposits | 77.7981% | 4,824 |
| Total domestic deposits to total assets | 79.9154% | 5,731 |
| Equity capital to assets | 11.9532% | 2,184 |
| Core capital (leverage) ratio | 8.7836% | 5,040 |
| Tier 1 risk-based capital ratio | 13.8333% | 3,957 |
| Total risk-based capital ratio | 15.0977% | 3,921 |
| Memoranda: | ||
| Average total assets | $2,842,429,750 | 251 |
| Average earning assets | $2,546,934,750 | 250 |
| Average equity | $324,431,250 | 241 |
| Average total loans | $1,802,783,500 | 268 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3559% | 3,186 |
| Cost of funding earning assets | 1.3219% | 4,400 |
| Net interest margin | 4.0340% | 2,856 |
| Noninterest income to average assets | 1.1464% | 986 |
| Noninterest expense to average assets | 2.8920% | 4,110 |
| Loan and lease loss provision to assets | 1.5620% | 840 |
| Net operating income to assets | 0.3074% | 5,149 |
| Return on assets (ROA) | 0.5165% | 4,410 |
| Pretax return on assets | 0.5133% | 4,867 |
| Return on Equity (ROE) | 4.5969% | 4,494 |
| Retained earnings to average equity (ytd only) | 4.5969% | 3,147 |
| Net charge-offs to loans | 3.0073% | 523 |
| Credit loss provision to net charge-offs | 81.0210% | 4,682 |
| Earnings coverage of net charge-offs (x) | 0.9680% | 4,814 |
| Efficiency ratio | 59.2546% | 6,179 |
| Assets per employee ($millions) | 3.8534% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3532% | 1,506 |
| Loan loss allowance to noncurrent loans | 48.1937% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 3.3083% | 2,135 |
| Noncurrent loans to loans | 4.8828% | 1,436 |
| Net loans and leases to total assets | 60.8745% | 4,890 |
| Net loans and leases to deposits | 76.0902% | 4,320 |
| Net loans and leases to core deposits | 79.4949% | 4,741 |
| Total domestic deposits to total assets | 80.0032% | 5,724 |
| Equity capital to assets | 11.5733% | 2,382 |
| Core capital (leverage) ratio | 8.5027% | 5,404 |
| Tier 1 risk-based capital ratio | 13.2287% | 4,267 |
| Total risk-based capital ratio | 14.4919% | 4,213 |
| Memoranda: | ||
| Average total assets | $2,848,852,670 | 253 |
| Average earning assets | $2,550,727,330 | 249 |
| Average equity | $320,088,670 | 242 |
| Average total loans | $1,826,338,000 | 265 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3608% | 3,237 |
| Cost of funding earning assets | 1.3478% | 4,515 |
| Net interest margin | 4.0130% | 2,823 |
| Noninterest income to average assets | 1.1185% | 1,002 |
| Noninterest expense to average assets | 2.8716% | 4,181 |
| Loan and lease loss provision to assets | 1.3282% | 903 |
| Net operating income to assets | 0.4694% | 4,536 |
| Return on assets (ROA) | 0.6064% | 4,018 |
| Pretax return on assets | 0.6526% | 4,399 |
| Return on Equity (ROE) | 5.4779% | 4,116 |
| Retained earnings to average equity (ytd only) | 5.4779% | 2,879 |
| Net charge-offs to loans | 2.8238% | 564 |
| Credit loss provision to net charge-offs | 72.3865% | 4,048 |
| Earnings coverage of net charge-offs (x) | 0.9993% | 4,175 |
| Efficiency ratio | 59.4937% | 6,262 |
| Assets per employee ($millions) | 3.8548% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3541% | 1,484 |
| Loan loss allowance to noncurrent loans | 47.1367% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 3.5726% | 1,962 |
| Noncurrent loans to loans | 4.9942% | 1,451 |
| Net loans and leases to total assets | 62.9024% | 4,561 |
| Net loans and leases to deposits | 79.7380% | 3,703 |
| Net loans and leases to core deposits | 84.0032% | 4,197 |
| Total domestic deposits to total assets | 78.8863% | 6,101 |
| Equity capital to assets | 11.2551% | 2,537 |
| Core capital (leverage) ratio | 8.4330% | 5,493 |
| Tier 1 risk-based capital ratio | 12.7007% | 4,559 |
| Total risk-based capital ratio | 13.9642% | 4,512 |
| Memoranda: | ||
| Average total assets | $2,861,019,500 | 262 |
| Average earning assets | $2,557,099,500 | 260 |
| Average equity | $316,688,000 | 246 |
| Average total loans | $1,859,082,500 | 271 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6075% | 3,567 |
| Cost of funding earning assets | 1.6906% | 4,568 |
| Net interest margin | 3.9170% | 3,205 |
| Noninterest income to average assets | 1.1931% | 1,084 |
| Noninterest expense to average assets | 5.4994% | 393 |
| Loan and lease loss provision to assets | 1.5972% | 1,431 |
| Net operating income to assets | -2.1304% | 7,139 |
| Return on assets (ROA) | -2.0895% | 7,124 |
| Pretax return on assets | -2.4074% | 7,115 |
| Return on Equity (ROE) | -17.7899% | 7,069 |
| Retained earnings to average equity (ytd only) | -17.7899% | 7,021 |
| Net charge-offs to loans | 1.7430% | 1,438 |
| Credit loss provision to net charge-offs | 135.2314% | 3,667 |
| Earnings coverage of net charge-offs (x) | -0.7257% | 6,819 |
| Efficiency ratio | 57.1989% | 6,874 |
| Assets per employee ($millions) | 3.8465% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4675% | 1,269 |
| Loan loss allowance to noncurrent loans | 57.8939% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 3.1522% | 2,196 |
| Noncurrent loans to loans | 4.2621% | 1,705 |
| Net loans and leases to total assets | 63.9143% | 4,619 |
| Net loans and leases to deposits | 80.5049% | 3,889 |
| Net loans and leases to core deposits | 94.0111% | 4,674 |
| Total domestic deposits to total assets | 79.3918% | 5,877 |
| Equity capital to assets | 10.8861% | 2,787 |
| Core capital (leverage) ratio | 7.8168% | 6,430 |
| Tier 1 risk-based capital ratio | 12.1719% | 4,796 |
| Total risk-based capital ratio | 13.3924% | 4,784 |
| Memoranda: | ||
| Average total assets | $2,899,392,800 | 258 |
| Average earning assets | $2,553,063,000 | 266 |
| Average equity | $340,547,600 | 231 |
| Average total loans | $1,964,735,200 | 265 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6230% | 3,728 |
| Cost of funding earning assets | 1.7459% | 4,661 |
| Net interest margin | 3.8771% | 3,317 |
| Noninterest income to average assets | 1.2156% | 1,042 |
| Noninterest expense to average assets | 5.0361% | 471 |
| Loan and lease loss provision to assets | 1.6331% | 1,149 |
| Net operating income to assets | -1.7679% | 7,223 |
| Return on assets (ROA) | -1.7580% | 7,217 |
| Pretax return on assets | -2.0277% | 7,194 |
| Return on Equity (ROE) | -15.0183% | 7,193 |
| Retained earnings to average equity (ytd only) | -15.0183% | 7,136 |
| Net charge-offs to loans | 1.0737% | 1,853 |
| Credit loss provision to net charge-offs | 221.7727% | 1,971 |
| Earnings coverage of net charge-offs (x) | -0.5513% | 6,490 |
| Efficiency ratio | 58.1486% | 6,699 |
| Assets per employee ($millions) | 3.8322% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8130% | 780 |
| Loan loss allowance to noncurrent loans | 59.1327% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 3.5558% | 1,860 |
| Noncurrent loans to loans | 4.7571% | 1,433 |
| Net loans and leases to total assets | 65.1349% | 4,619 |
| Net loans and leases to deposits | 85.2580% | 3,456 |
| Net loans and leases to core deposits | 102.6725% | 4,086 |
| Total domestic deposits to total assets | 76.3974% | 6,496 |
| Equity capital to assets | 11.3825% | 2,682 |
| Core capital (leverage) ratio | 7.6561% | 6,791 |
| Tier 1 risk-based capital ratio | 11.0428% | 5,905 |
| Total risk-based capital ratio | 12.3123% | 5,845 |
| Memoranda: | ||
| Average total assets | $2,483,928,750 | 309 |
| Average earning assets | $2,187,644,000 | 316 |
| Average equity | $290,758,500 | 267 |
| Average total loans | $1,703,604,750 | 316 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6360% | 3,882 |
| Cost of funding earning assets | 1.7708% | 4,903 |
| Net interest margin | 3.8653% | 3,270 |
| Noninterest income to average assets | 1.1677% | 1,150 |
| Noninterest expense to average assets | 6.2066% | 303 |
| Loan and lease loss provision to assets | 1.4819% | 1,154 |
| Net operating income to assets | -2.7829% | 7,627 |
| Return on assets (ROA) | -2.7701% | 7,617 |
| Pretax return on assets | -3.1198% | 7,599 |
| Return on Equity (ROE) | -23.4461% | 7,601 |
| Retained earnings to average equity (ytd only) | -23.4461% | 7,563 |
| Net charge-offs to loans | 0.9118% | 1,882 |
| Credit loss provision to net charge-offs | 235.1660% | 1,970 |
| Earnings coverage of net charge-offs (x) | -2.6221% | 6,392 |
| Efficiency ratio | 59.6138% | 6,606 |
| Assets per employee ($millions) | 3.9022% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3898% | 1,006 |
| Loan loss allowance to noncurrent loans | 54.8773% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 3.4032% | 1,841 |
| Noncurrent loans to loans | 4.3548% | 1,490 |
| Net loans and leases to total assets | 67.3083% | 4,293 |
| Net loans and leases to deposits | 85.5508% | 3,632 |
| Net loans and leases to core deposits | 102.8758% | 4,197 |
| Total domestic deposits to total assets | 78.6764% | 5,904 |
| Equity capital to assets | 10.9913% | 2,928 |
| Core capital (leverage) ratio | 7.6874% | 6,776 |
| Tier 1 risk-based capital ratio | 10.7259% | 6,164 |
| Total risk-based capital ratio | 11.9902% | 6,084 |
| Memoranda: | ||
| Average total assets | $2,476,485,000 | 317 |
| Average earning assets | $2,169,794,330 | 325 |
| Average equity | $292,586,330 | 268 |
| Average total loans | $1,711,573,000 | 323 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6057% | 4,320 |
| Cost of funding earning assets | 1.7936% | 5,138 |
| Net interest margin | 3.8121% | 3,398 |
| Noninterest income to average assets | 1.0712% | 1,295 |
| Noninterest expense to average assets | 2.6315% | 5,316 |
| Loan and lease loss provision to assets | 1.7221% | 721 |
| Net operating income to assets | 0.1734% | 5,742 |
| Return on assets (ROA) | 0.1788% | 5,894 |
| Pretax return on assets | 0.0433% | 6,290 |
| Return on Equity (ROE) | 1.4617% | 5,984 |
| Retained earnings to average equity (ytd only) | 1.4617% | 5,034 |
| Net charge-offs to loans | 0.5259% | 2,142 |
| Credit loss provision to net charge-offs | 473.2739% | 1,124 |
| Earnings coverage of net charge-offs (x) | 4.8370% | 2,803 |
| Efficiency ratio | 58.3687% | 6,637 |
| Assets per employee ($millions) | 3.9363% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2885% | 958 |
| Loan loss allowance to noncurrent loans | 45.9862% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 3.6992% | 1,431 |
| Noncurrent loans to loans | 4.9765% | 1,094 |
| Net loans and leases to total assets | 67.7710% | 4,189 |
| Net loans and leases to deposits | 92.4792% | 2,518 |
| Net loans and leases to core deposits | 109.3259% | 3,525 |
| Total domestic deposits to total assets | 73.2824% | 7,010 |
| Equity capital to assets | 12.4016% | 2,029 |
| Core capital (leverage) ratio | 7.3947% | 7,279 |
| Tier 1 risk-based capital ratio | 10.3239% | 6,573 |
| Total risk-based capital ratio | 11.5872% | 6,479 |
| Memoranda: | ||
| Average total assets | $2,467,974,000 | 319 |
| Average earning assets | $2,149,587,500 | 326 |
| Average equity | $301,844,500 | 263 |
| Average total loans | $1,707,645,000 | 323 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3997% | 3,418 |
| Cost of funding earning assets | 2.3956% | 4,732 |
| Net interest margin | 4.0041% | 3,089 |
| Noninterest income to average assets | 0.9929% | 1,599 |
| Noninterest expense to average assets | 2.5028% | 5,993 |
| Loan and lease loss provision to assets | 0.8391% | 1,778 |
| Net operating income to assets | 0.9036% | 2,982 |
| Return on assets (ROA) | 0.9301% | 2,729 |
| Pretax return on assets | 1.1613% | 2,802 |
| Return on Equity (ROE) | 7.6667% | 3,212 |
| Retained earnings to average equity (ytd only) | -1.4070% | 5,711 |
| Net charge-offs to loans | 0.3473% | 3,095 |
| Credit loss provision to net charge-offs | 359.7786% | 1,233 |
| Earnings coverage of net charge-offs (x) | 8.4350% | 2,883 |
| Efficiency ratio | 53.8310% | 7,285 |
| Assets per employee ($millions) | 4.3344% | 2,907 |
| Cash dividends to net income (ytd only)* | 118.3518% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7816% | 1,672 |
| Loan loss allowance to noncurrent loans | 49.2709% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 2.7239% | 1,735 |
| Noncurrent loans to loans | 3.6160% | 1,395 |
| Net loans and leases to total assets | 67.7984% | 4,492 |
| Net loans and leases to deposits | 98.1163% | 2,107 |
| Net loans and leases to core deposits | 115.7285% | 3,153 |
| Total domestic deposits to total assets | 69.1000% | 7,372 |
| Equity capital to assets | 12.0614% | 2,255 |
| Core capital (leverage) ratio | 7.4169% | 7,294 |
| Tier 1 risk-based capital ratio | 10.0639% | 6,670 |
| Total risk-based capital ratio | 11.3102% | 6,551 |
| Memoranda: | ||
| Average total assets | $2,207,594,200 | 332 |
| Average earning assets | $1,917,148,600 | 342 |
| Average equity | $267,808,000 | 292 |
| Average total loans | $1,482,403,600 | 354 |