Home > Merchants Bank > Performance and Condition Ratios
Merchants 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 | 3.1738% | 5,276 |
| Cost of funding earning assets | 0.2134% | 4,852 |
| Net interest margin | 2.9604% | 4,978 |
| Noninterest income to average assets | 0.5975% | 2,428 |
| Noninterest expense to average assets | 2.2495% | 4,537 |
| Loan and lease loss provision to assets | 0.1104% | 1,733 |
| Net operating income to assets | 0.7649% | 3,403 |
| Return on assets (ROA) | 0.8007% | 3,274 |
| Pretax return on assets | 1.1067% | 2,956 |
| Return on Equity (ROE) | 9.4317% | 2,211 |
| Retained earnings to average equity (ytd only) | 4.9984% | 2,897 |
| Net charge-offs to loans | 0.0099% | 2,635 |
| Credit loss provision to net charge-offs | 1,489.4737% | 232 |
| Earnings coverage of net charge-offs (x) | 157.5263% | 345 |
| Efficiency ratio | 65.5499% | 3,567 |
| Assets per employee ($millions) | 7.3042% | 819 |
| Cash dividends to net income (ytd only)* | 47.0044% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8548% | 4,909 |
| Loan loss allowance to noncurrent loans | 313.0817% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 4,377 |
| Noncurrent loans to loans | 0.2730% | 4,130 |
| Net loans and leases to total assets | 75.3248% | 1,524 |
| Net loans and leases to deposits | 101.0531% | 548 |
| Net loans and leases to core deposits | 107.3670% | 1,009 |
| Total domestic deposits to total assets | 74.5398% | 5,373 |
| Equity capital to assets | 8.6164% | 5,139 |
| Core capital (leverage) ratio | 8.4090% | 5,293 |
| Tier 1 risk-based capital ratio | 13.6102% | 3,713 |
| Total risk-based capital ratio | 14.7288% | 3,701 |
| Memoranda: | ||
| Average total assets | $2,051,156,000 | 401 |
| Average earning assets | $1,953,389,000 | 387 |
| Average equity | $174,136,000 | 482 |
| Average total loans | $1,528,447,500 | 390 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1724% | 5,336 |
| Cost of funding earning assets | 0.1958% | 5,056 |
| Net interest margin | 2.9766% | 5,004 |
| Noninterest income to average assets | 0.6457% | 2,442 |
| Noninterest expense to average assets | 2.2455% | 4,663 |
| Loan and lease loss provision to assets | 0.0502% | 3,389 |
| Net operating income to assets | 0.8673% | 2,992 |
| Return on assets (ROA) | 0.8680% | 3,099 |
| Pretax return on assets | 1.1816% | 2,753 |
| Return on Equity (ROE) | 10.0502% | 1,936 |
| Retained earnings to average equity (ytd only) | 5.5800% | 1,965 |
| Net charge-offs to loans | 0.0264% | 3,507 |
| Credit loss provision to net charge-offs | 262.4672% | 1,096 |
| Earnings coverage of net charge-offs (x) | 64.3832% | 844 |
| Efficiency ratio | 64.2673% | 3,892 |
| Assets per employee ($millions) | 7.2439% | 823 |
| Cash dividends to net income (ytd only)* | 44.4791% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8360% | 5,000 |
| Loan loss allowance to noncurrent loans | 400.0948% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 4,693 |
| Noncurrent loans to loans | 0.2090% | 4,406 |
| Net loans and leases to total assets | 72.4765% | 2,098 |
| Net loans and leases to deposits | 98.1461% | 817 |
| Net loans and leases to core deposits | 104.4866% | 1,244 |
| Total domestic deposits to total assets | 73.8455% | 5,451 |
| Equity capital to assets | 8.3654% | 5,377 |
| Core capital (leverage) ratio | 8.5336% | 5,229 |
| Tier 1 risk-based capital ratio | 13.7204% | 3,636 |
| Total risk-based capital ratio | 14.8196% | 3,632 |
| Memoranda: | ||
| Average total assets | $1,992,937,400 | 395 |
| Average earning assets | $1,895,181,600 | 383 |
| Average equity | $172,115,800 | 476 |
| Average total loans | $1,444,525,600 | 387 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2037% | 5,354 |
| Cost of funding earning assets | 0.1992% | 5,079 |
| Net interest margin | 3.0045% | 5,006 |
| Noninterest income to average assets | 0.6385% | 2,486 |
| Noninterest expense to average assets | 2.2646% | 4,618 |
| Loan and lease loss provision to assets | 0.0551% | 3,153 |
| Net operating income to assets | 0.8746% | 3,032 |
| Return on assets (ROA) | 0.8756% | 3,157 |
| Pretax return on assets | 1.1742% | 2,945 |
| Return on Equity (ROE) | 10.0554% | 2,028 |
| Retained earnings to average equity (ytd only) | 5.5802% | 2,443 |
| Net charge-offs to loans | 0.0294% | 3,069 |
| Credit loss provision to net charge-offs | 258.7302% | 1,169 |
| Earnings coverage of net charge-offs (x) | 57.6920% | 985 |
| Efficiency ratio | 64.5005% | 3,851 |
| Assets per employee ($millions) | 6.9661% | 902 |
| Cash dividends to net income (ytd only)* | 44.5053% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 5,043 |
| Loan loss allowance to noncurrent loans | 296.0340% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 4,587 |
| Noncurrent loans to loans | 0.2867% | 4,239 |
| Net loans and leases to total assets | 73.2628% | 1,987 |
| Net loans and leases to deposits | 97.3717% | 914 |
| Net loans and leases to core deposits | 103.4555% | 1,384 |
| Total domestic deposits to total assets | 75.2403% | 5,316 |
| Equity capital to assets | 8.7928% | 5,322 |
| Core capital (leverage) ratio | 8.6931% | 5,155 |
| Tier 1 risk-based capital ratio | 14.1705% | 3,467 |
| Total risk-based capital ratio | 15.3007% | 3,456 |
| Memoranda: | ||
| Average total assets | $1,973,234,000 | 397 |
| Average earning assets | $1,874,456,500 | 387 |
| Average equity | $171,817,250 | 479 |
| Average total loans | $1,427,109,000 | 390 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2122% | 5,411 |
| Cost of funding earning assets | 0.2005% | 5,136 |
| Net interest margin | 3.0117% | 5,055 |
| Noninterest income to average assets | 0.6369% | 2,431 |
| Noninterest expense to average assets | 2.2632% | 4,702 |
| Loan and lease loss provision to assets | 0.0476% | 3,195 |
| Net operating income to assets | 0.8739% | 2,988 |
| Return on assets (ROA) | 0.8739% | 3,101 |
| Pretax return on assets | 1.1863% | 2,838 |
| Return on Equity (ROE) | 10.0718% | 2,015 |
| Retained earnings to average equity (ytd only) | 5.5639% | 2,385 |
| Net charge-offs to loans | 0.0125% | 3,294 |
| Credit loss provision to net charge-offs | 531.8182% | 628 |
| Earnings coverage of net charge-offs (x) | 137.7386% | 434 |
| Efficiency ratio | 64.3562% | 3,954 |
| Assets per employee ($millions) | 6.6731% | 1,013 |
| Cash dividends to net income (ytd only)* | 44.7577% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 4,989 |
| Loan loss allowance to noncurrent loans | 276.7380% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 4,539 |
| Noncurrent loans to loans | 0.3216% | 4,218 |
| Net loans and leases to total assets | 72.7159% | 2,052 |
| Net loans and leases to deposits | 95.1504% | 1,171 |
| Net loans and leases to core deposits | 99.5166% | 1,670 |
| Total domestic deposits to total assets | 76.4221% | 5,230 |
| Equity capital to assets | 9.1555% | 5,109 |
| Core capital (leverage) ratio | 8.6463% | 5,219 |
| Tier 1 risk-based capital ratio | 14.5119% | 3,312 |
| Total risk-based capital ratio | 15.6584% | 3,300 |
| Memoranda: | ||
| Average total assets | $1,964,514,670 | 400 |
| Average earning assets | $1,865,725,000 | 388 |
| Average equity | $170,455,330 | 481 |
| Average total loans | $1,410,388,670 | 393 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1513% | 5,544 |
| Cost of funding earning assets | 0.2014% | 5,190 |
| Net interest margin | 2.9499% | 5,220 |
| Noninterest income to average assets | 0.5956% | 2,561 |
| Noninterest expense to average assets | 2.3461% | 4,531 |
| Loan and lease loss provision to assets | 0.0431% | 3,057 |
| Net operating income to assets | 0.7652% | 3,415 |
| Return on assets (ROA) | 0.7652% | 3,524 |
| Pretax return on assets | 1.0105% | 3,439 |
| Return on Equity (ROE) | 9.0570% | 2,402 |
| Retained earnings to average equity (ytd only) | 4.5024% | 3,236 |
| Net charge-offs to loans | 0.0231% | 2,469 |
| Credit loss provision to net charge-offs | 262.1951% | 923 |
| Earnings coverage of net charge-offs (x) | 64.1098% | 743 |
| Efficiency ratio | 68.6966% | 3,348 |
| Assets per employee ($millions) | 6.9741% | 907 |
| Cash dividends to net income (ytd only)* | 50.2881% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8563% | 5,201 |
| Loan loss allowance to noncurrent loans | 262.2926% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 4,601 |
| Noncurrent loans to loans | 0.3265% | 4,265 |
| Net loans and leases to total assets | 71.6636% | 2,091 |
| Net loans and leases to deposits | 92.3018% | 1,304 |
| Net loans and leases to core deposits | 98.7606% | 1,581 |
| Total domestic deposits to total assets | 77.6406% | 5,200 |
| Equity capital to assets | 8.6784% | 5,439 |
| Core capital (leverage) ratio | 8.4143% | 5,469 |
| Tier 1 risk-based capital ratio | 14.4165% | 3,437 |
| Total risk-based capital ratio | 15.5533% | 3,425 |
| Memoranda: | ||
| Average total assets | $1,995,851,000 | 396 |
| Average earning assets | $1,897,145,000 | 384 |
| Average equity | $168,621,000 | 484 |
| Average total loans | $1,417,902,500 | 388 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0897% | 5,644 |
| Cost of funding earning assets | 0.1942% | 5,330 |
| Net interest margin | 2.8955% | 5,343 |
| Noninterest income to average assets | 0.6695% | 2,347 |
| Noninterest expense to average assets | 2.3772% | 4,569 |
| Loan and lease loss provision to assets | 0.0140% | 4,123 |
| Net operating income to assets | 0.8006% | 3,336 |
| Return on assets (ROA) | 0.8006% | 3,422 |
| Pretax return on assets | 1.0302% | 3,350 |
| Return on Equity (ROE) | 9.4841% | 2,227 |
| Retained earnings to average equity (ytd only) | 4.7903% | 2,583 |
| Net charge-offs to loans | 0.0087% | 4,153 |
| Credit loss provision to net charge-offs | 229.3578% | 1,242 |
| Earnings coverage of net charge-offs (x) | 171.5505% | 382 |
| Efficiency ratio | 69.4537% | 3,312 |
| Assets per employee ($millions) | 6.5961% | 1,049 |
| Cash dividends to net income (ytd only)* | 49.4909% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8513% | 5,265 |
| Loan loss allowance to noncurrent loans | 268.2112% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 4,701 |
| Noncurrent loans to loans | 0.3174% | 4,325 |
| Net loans and leases to total assets | 69.2436% | 2,493 |
| Net loans and leases to deposits | 90.3714% | 1,567 |
| Net loans and leases to core deposits | 97.3110% | 1,731 |
| Total domestic deposits to total assets | 76.6211% | 5,377 |
| Equity capital to assets | 8.2254% | 5,749 |
| Core capital (leverage) ratio | 8.6766% | 5,240 |
| Tier 1 risk-based capital ratio | 14.5160% | 3,440 |
| Total risk-based capital ratio | 15.6595% | 3,403 |
| Memoranda: | ||
| Average total assets | $1,790,846,000 | 407 |
| Average earning assets | $1,701,956,800 | 395 |
| Average equity | $151,179,000 | 500 |
| Average total loans | $1,251,636,600 | 404 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1434% | 5,651 |
| Cost of funding earning assets | 0.2014% | 5,362 |
| Net interest margin | 2.9420% | 5,328 |
| Noninterest income to average assets | 0.7915% | 1,833 |
| Noninterest expense to average assets | 2.4436% | 4,375 |
| Loan and lease loss provision to assets | 0.0341% | 3,541 |
| Net operating income to assets | 0.8690% | 3,090 |
| Return on assets (ROA) | 0.8690% | 3,179 |
| Pretax return on assets | 1.1102% | 3,178 |
| Return on Equity (ROE) | 10.2170% | 2,012 |
| Retained earnings to average equity (ytd only) | 5.4026% | 2,642 |
| Net charge-offs to loans | 0.0073% | 3,915 |
| Credit loss provision to net charge-offs | 671.2121% | 509 |
| Earnings coverage of net charge-offs (x) | 225.2519% | 322 |
| Efficiency ratio | 68.1075% | 3,517 |
| Assets per employee ($millions) | 6.1986% | 1,241 |
| Cash dividends to net income (ytd only)* | 47.1214% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 4,892 |
| Loan loss allowance to noncurrent loans | 1,598.1675% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 5,613 |
| Noncurrent loans to loans | 0.0607% | 5,377 |
| Net loans and leases to total assets | 68.3556% | 2,629 |
| Net loans and leases to deposits | 89.7757% | 1,681 |
| Net loans and leases to core deposits | 94.6286% | 2,021 |
| Total domestic deposits to total assets | 76.1404% | 5,469 |
| Equity capital to assets | 8.2875% | 5,834 |
| Core capital (leverage) ratio | 8.7167% | 5,333 |
| Tier 1 risk-based capital ratio | 15.3966% | 3,096 |
| Total risk-based capital ratio | 16.6472% | 3,022 |
| Memoranda: | ||
| Average total assets | $1,732,303,000 | 424 |
| Average earning assets | $1,646,532,250 | 409 |
| Average equity | $147,332,500 | 518 |
| Average total loans | $1,210,987,000 | 415 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1816% | 5,648 |
| Cost of funding earning assets | 0.2115% | 5,333 |
| Net interest margin | 2.9701% | 5,286 |
| Noninterest income to average assets | 0.7417% | 2,035 |
| Noninterest expense to average assets | 2.4545% | 4,385 |
| Loan and lease loss provision to assets | 0.0415% | 3,281 |
| Net operating income to assets | 0.8287% | 3,221 |
| Return on assets (ROA) | 0.8287% | 3,335 |
| Pretax return on assets | 1.0642% | 3,325 |
| Return on Equity (ROE) | 9.6550% | 2,227 |
| Retained earnings to average equity (ytd only) | 4.8022% | 2,989 |
| Net charge-offs to loans | 0.0040% | 3,759 |
| Credit loss provision to net charge-offs | 1,470.8333% | 251 |
| Earnings coverage of net charge-offs (x) | 392.1250% | 170 |
| Efficiency ratio | 68.9426% | 3,500 |
| Assets per employee ($millions) | 5.5443% | 1,699 |
| Cash dividends to net income (ytd only)* | 50.2623% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 4,818 |
| Loan loss allowance to noncurrent loans | 1,518.3521% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 5,668 |
| Noncurrent loans to loans | 0.0665% | 5,471 |
| Net loans and leases to total assets | 70.9225% | 2,173 |
| Net loans and leases to deposits | 88.4582% | 1,774 |
| Net loans and leases to core deposits | 92.3195% | 2,124 |
| Total domestic deposits to total assets | 80.1762% | 4,822 |
| Equity capital to assets | 8.7867% | 5,441 |
| Core capital (leverage) ratio | 8.7441% | 5,279 |
| Tier 1 risk-based capital ratio | 15.1466% | 3,279 |
| Total risk-based capital ratio | 16.3970% | 3,212 |
| Memoranda: | ||
| Average total assets | $1,702,275,670 | 429 |
| Average earning assets | $1,615,373,670 | 415 |
| Average equity | $146,100,000 | 522 |
| Average total loans | $1,195,345,000 | 421 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1432% | 5,730 |
| Cost of funding earning assets | 0.2134% | 5,383 |
| Net interest margin | 2.9297% | 5,385 |
| Noninterest income to average assets | 0.7174% | 2,080 |
| Noninterest expense to average assets | 2.3686% | 4,691 |
| Loan and lease loss provision to assets | 0.0542% | 2,854 |
| Net operating income to assets | 0.8385% | 3,067 |
| Return on assets (ROA) | 0.8385% | 3,194 |
| Pretax return on assets | 1.0762% | 3,188 |
| Return on Equity (ROE) | 9.8855% | 2,058 |
| Retained earnings to average equity (ytd only) | 5.0088% | 3,048 |
| Net charge-offs to loans | 0.0252% | 2,660 |
| Credit loss provision to net charge-offs | 309.3333% | 790 |
| Earnings coverage of net charge-offs (x) | 64.5600% | 689 |
| Efficiency ratio | 67.6942% | 3,879 |
| Assets per employee ($millions) | 5.6072% | 1,706 |
| Cash dividends to net income (ytd only)* | 49.3318% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 5,033 |
| Loan loss allowance to noncurrent loans | 1,017.8268% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 5,655 |
| Noncurrent loans to loans | 0.0982% | 5,402 |
| Net loans and leases to total assets | 69.9318% | 2,152 |
| Net loans and leases to deposits | 89.3110% | 1,461 |
| Net loans and leases to core deposits | 94.4217% | 1,730 |
| Total domestic deposits to total assets | 78.3014% | 5,393 |
| Equity capital to assets | 8.6381% | 5,625 |
| Core capital (leverage) ratio | 8.7209% | 5,300 |
| Tier 1 risk-based capital ratio | 15.4732% | 3,160 |
| Total risk-based capital ratio | 16.7240% | 3,098 |
| Memoranda: | ||
| Average total assets | $1,713,445,000 | 428 |
| Average earning assets | $1,626,771,500 | 414 |
| Average equity | $145,344,500 | 524 |
| Average total loans | $1,191,210,000 | 420 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2707% | 5,745 |
| Cost of funding earning assets | 0.2383% | 5,436 |
| Net interest margin | 3.0324% | 5,370 |
| Noninterest income to average assets | 0.8195% | 1,795 |
| Noninterest expense to average assets | 2.6814% | 3,933 |
| Loan and lease loss provision to assets | -0.0027% | 5,887 |
| Net operating income to assets | 0.7661% | 3,535 |
| Return on assets (ROA) | 0.7709% | 3,612 |
| Pretax return on assets | 1.0086% | 3,456 |
| Return on Equity (ROE) | 9.1433% | 2,519 |
| Retained earnings to average equity (ytd only) | 4.1379% | 3,257 |
| Net charge-offs to loans | 0.0141% | 4,601 |
| Credit loss provision to net charge-offs | -27.4390% | 5,370 |
| Earnings coverage of net charge-offs (x) | 102.3171% | 516 |
| Efficiency ratio | 72.8453% | 3,063 |
| Assets per employee ($millions) | 5.6101% | 1,684 |
| Cash dividends to net income (ytd only)* | 54.7442% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 5,053 |
| Loan loss allowance to noncurrent loans | 1,732.5037% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 5,880 |
| Noncurrent loans to loans | 0.0578% | 5,652 |
| Net loans and leases to total assets | 67.7391% | 2,601 |
| Net loans and leases to deposits | 89.3782% | 1,573 |
| Net loans and leases to core deposits | 94.5502% | 1,858 |
| Total domestic deposits to total assets | 75.7893% | 5,763 |
| Equity capital to assets | 8.3297% | 5,879 |
| Core capital (leverage) ratio | 8.6011% | 5,444 |
| Tier 1 risk-based capital ratio | 15.3568% | 3,288 |
| Total risk-based capital ratio | 16.6080% | 3,239 |
| Memoranda: | ||
| Average total assets | $1,678,777,000 | 423 |
| Average earning assets | $1,584,105,800 | 410 |
| Average equity | $141,546,600 | 513 |
| Average total loans | $1,161,743,400 | 407 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3125% | 5,746 |
| Cost of funding earning assets | 0.2478% | 5,432 |
| Net interest margin | 3.0647% | 5,349 |
| Noninterest income to average assets | 0.8410% | 1,740 |
| Noninterest expense to average assets | 2.6460% | 4,032 |
| Loan and lease loss provision to assets | 0.0078% | 4,262 |
| Net operating income to assets | 0.8146% | 3,368 |
| Return on assets (ROA) | 0.8211% | 3,424 |
| Pretax return on assets | 1.0826% | 3,257 |
| Return on Equity (ROE) | 9.7081% | 2,348 |
| Retained earnings to average equity (ytd only) | 4.6833% | 3,298 |
| Net charge-offs to loans | 0.0138% | 4,277 |
| Credit loss provision to net charge-offs | 80.8333% | 2,577 |
| Earnings coverage of net charge-offs (x) | 112.6805% | 529 |
| Efficiency ratio | 70.9791% | 3,344 |
| Assets per employee ($millions) | 5.1141% | 2,123 |
| Cash dividends to net income (ytd only)* | 51.7587% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 5,035 |
| Loan loss allowance to noncurrent loans | 2,267.7358% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 6,045 |
| Noncurrent loans to loans | 0.0458% | 5,830 |
| Net loans and leases to total assets | 69.2931% | 2,309 |
| Net loans and leases to deposits | 87.7121% | 1,707 |
| Net loans and leases to core deposits | 93.6729% | 1,901 |
| Total domestic deposits to total assets | 79.0006% | 5,328 |
| Equity capital to assets | 8.7028% | 5,636 |
| Core capital (leverage) ratio | 8.7872% | 5,353 |
| Tier 1 risk-based capital ratio | 15.6773% | 3,228 |
| Total risk-based capital ratio | 16.9290% | 3,165 |
| Memoranda: | ||
| Average total assets | $1,666,494,250 | 424 |
| Average earning assets | $1,569,766,750 | 409 |
| Average equity | $140,950,750 | 518 |
| Average total loans | $1,156,603,750 | 403 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3352% | 5,749 |
| Cost of funding earning assets | 0.2598% | 5,386 |
| Net interest margin | 3.0754% | 5,330 |
| Noninterest income to average assets | 0.8307% | 1,734 |
| Noninterest expense to average assets | 2.5872% | 4,286 |
| Loan and lease loss provision to assets | 0.0084% | 4,066 |
| Net operating income to assets | 0.8545% | 3,050 |
| Return on assets (ROA) | 0.8675% | 3,057 |
| Pretax return on assets | 1.1444% | 2,905 |
| Return on Equity (ROE) | 10.3560% | 1,992 |
| Retained earnings to average equity (ytd only) | 5.2994% | 2,764 |
| Net charge-offs to loans | 0.0125% | 3,991 |
| Credit loss provision to net charge-offs | 97.2222% | 2,056 |
| Earnings coverage of net charge-offs (x) | 131.8194% | 457 |
| Efficiency ratio | 69.4941% | 3,739 |
| Assets per employee ($millions) | 5.1206% | 2,063 |
| Cash dividends to net income (ytd only)* | 48.8276% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 5,028 |
| Loan loss allowance to noncurrent loans | 1,767.9883% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 6,071 |
| Noncurrent loans to loans | 0.0605% | 5,850 |
| Net loans and leases to total assets | 69.0923% | 2,225 |
| Net loans and leases to deposits | 84.9643% | 1,933 |
| Net loans and leases to core deposits | 88.5649% | 2,248 |
| Total domestic deposits to total assets | 81.3192% | 4,871 |
| Equity capital to assets | 8.8586% | 5,460 |
| Core capital (leverage) ratio | 8.6118% | 5,520 |
| Tier 1 risk-based capital ratio | 15.1442% | 3,557 |
| Total risk-based capital ratio | 16.3956% | 3,506 |
| Memoranda: | ||
| Average total assets | $1,671,378,670 | 422 |
| Average earning assets | $1,571,847,330 | 404 |
| Average equity | $140,015,670 | 522 |
| Average total loans | $1,156,594,670 | 400 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2917% | 5,860 |
| Cost of funding earning assets | 0.2511% | 5,572 |
| Net interest margin | 3.0405% | 5,413 |
| Noninterest income to average assets | 0.7964% | 1,763 |
| Noninterest expense to average assets | 2.5342% | 4,503 |
| Loan and lease loss provision to assets | 0.0308% | 3,420 |
| Net operating income to assets | 0.8253% | 3,029 |
| Return on assets (ROA) | 0.8475% | 2,981 |
| Pretax return on assets | 1.1262% | 2,786 |
| Return on Equity (ROE) | 10.3998% | 1,914 |
| Retained earnings to average equity (ytd only) | 5.2908% | 2,922 |
| Net charge-offs to loans | -0.0003% | 4,665 |
| Credit loss provision to net charge-offs | -13,100.0000% | 5,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2105% | 3,963 |
| Assets per employee ($millions) | 5.3225% | 1,888 |
| Cash dividends to net income (ytd only)* | 49.1257% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 5,357 |
| Loan loss allowance to noncurrent loans | 1,642.9150% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 6,127 |
| Noncurrent loans to loans | 0.0632% | 5,961 |
| Net loans and leases to total assets | 69.6010% | 1,965 |
| Net loans and leases to deposits | 87.3576% | 1,432 |
| Net loans and leases to core deposits | 93.7173% | 1,572 |
| Total domestic deposits to total assets | 79.6736% | 5,552 |
| Equity capital to assets | 8.3999% | 5,746 |
| Core capital (leverage) ratio | 8.3936% | 5,754 |
| Tier 1 risk-based capital ratio | 14.7692% | 3,837 |
| Total risk-based capital ratio | 16.0205% | 3,785 |
| Memoranda: | ||
| Average total assets | $1,700,572,000 | 417 |
| Average earning assets | $1,602,478,000 | 401 |
| Average equity | $138,579,000 | 530 |
| Average total loans | $1,171,645,500 | 390 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4153% | 5,812 |
| Cost of funding earning assets | 0.2697% | 5,835 |
| Net interest margin | 3.1456% | 5,175 |
| Noninterest income to average assets | 0.8358% | 1,914 |
| Noninterest expense to average assets | 2.5486% | 4,615 |
| Loan and lease loss provision to assets | 0.0451% | 4,219 |
| Net operating income to assets | 0.9545% | 2,548 |
| Return on assets (ROA) | 0.9463% | 2,654 |
| Pretax return on assets | 1.2093% | 2,538 |
| Return on Equity (ROE) | 11.8866% | 1,455 |
| Retained earnings to average equity (ytd only) | 7.5859% | 1,204 |
| Net charge-offs to loans | 0.0251% | 4,918 |
| Credit loss provision to net charge-offs | 269.6113% | 838 |
| Earnings coverage of net charge-offs (x) | 75.5724% | 573 |
| Efficiency ratio | 66.8300% | 4,399 |
| Assets per employee ($millions) | 5.5438% | 1,611 |
| Cash dividends to net income (ytd only)* | 36.1813% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 5,427 |
| Loan loss allowance to noncurrent loans | 1,640.5995% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 6,228 |
| Noncurrent loans to loans | 0.0626% | 6,039 |
| Net loans and leases to total assets | 66.8258% | 2,552 |
| Net loans and leases to deposits | 87.5170% | 1,517 |
| Net loans and leases to core deposits | 94.1128% | 1,596 |
| Total domestic deposits to total assets | 76.3575% | 6,061 |
| Equity capital to assets | 7.9080% | 6,081 |
| Core capital (leverage) ratio | 8.2419% | 5,937 |
| Tier 1 risk-based capital ratio | 14.4677% | 3,973 |
| Total risk-based capital ratio | 15.7188% | 3,912 |
| Memoranda: | ||
| Average total assets | $1,690,748,600 | 408 |
| Average earning assets | $1,600,509,000 | 397 |
| Average equity | $134,605,800 | 537 |
| Average total loans | $1,128,045,400 | 393 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4423% | 5,797 |
| Cost of funding earning assets | 0.2747% | 5,928 |
| Net interest margin | 3.1677% | 5,090 |
| Noninterest income to average assets | 0.7851% | 2,227 |
| Noninterest expense to average assets | 2.5045% | 4,706 |
| Loan and lease loss provision to assets | 0.0602% | 3,845 |
| Net operating income to assets | 0.9520% | 2,583 |
| Return on assets (ROA) | 0.9513% | 2,691 |
| Pretax return on assets | 1.2210% | 2,616 |
| Return on Equity (ROE) | 11.9284% | 1,492 |
| Retained earnings to average equity (ytd only) | 7.9260% | 1,440 |
| Net charge-offs to loans | 0.0144% | 4,844 |
| Credit loss provision to net charge-offs | 626.4463% | 455 |
| Earnings coverage of net charge-offs (x) | 133.4788% | 405 |
| Efficiency ratio | 66.1419% | 4,453 |
| Assets per employee ($millions) | 5.4677% | 1,662 |
| Cash dividends to net income (ytd only)* | 33.5531% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 5,556 |
| Loan loss allowance to noncurrent loans | 476.3374% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 5,980 |
| Noncurrent loans to loans | 0.2184% | 5,687 |
| Net loans and leases to total assets | 69.1408% | 2,111 |
| Net loans and leases to deposits | 87.0914% | 1,480 |
| Net loans and leases to core deposits | 93.9524% | 1,580 |
| Total domestic deposits to total assets | 79.3888% | 5,654 |
| Equity capital to assets | 8.0190% | 6,142 |
| Core capital (leverage) ratio | 8.2276% | 6,033 |
| Tier 1 risk-based capital ratio | 14.4810% | 4,081 |
| Total risk-based capital ratio | 15.7325% | 4,032 |
| Memoranda: | ||
| Average total assets | $1,679,632,000 | 415 |
| Average earning assets | $1,591,547,750 | 399 |
| Average equity | $133,952,000 | 543 |
| Average total loans | $1,117,153,250 | 395 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4575% | 5,774 |
| Cost of funding earning assets | 0.2804% | 5,980 |
| Net interest margin | 3.1771% | 5,025 |
| Noninterest income to average assets | 0.7720% | 2,315 |
| Noninterest expense to average assets | 2.4950% | 4,752 |
| Loan and lease loss provision to assets | 0.0455% | 4,058 |
| Net operating income to assets | 0.9672% | 2,481 |
| Return on assets (ROA) | 0.9660% | 2,633 |
| Pretax return on assets | 1.2431% | 2,501 |
| Return on Equity (ROE) | 12.1345% | 1,448 |
| Retained earnings to average equity (ytd only) | 6.1211% | 2,361 |
| Net charge-offs to loans | 0.0098% | 4,687 |
| Credit loss provision to net charge-offs | 707.4074% | 421 |
| Earnings coverage of net charge-offs (x) | 200.6852% | 258 |
| Efficiency ratio | 65.9160% | 4,564 |
| Assets per employee ($millions) | 5.2444% | 1,847 |
| Cash dividends to net income (ytd only)* | 49.5563% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 5,551 |
| Loan loss allowance to noncurrent loans | 832.0504% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 6,204 |
| Noncurrent loans to loans | 0.1286% | 6,002 |
| Net loans and leases to total assets | 67.4040% | 2,352 |
| Net loans and leases to deposits | 83.5850% | 1,856 |
| Net loans and leases to core deposits | 88.1471% | 2,090 |
| Total domestic deposits to total assets | 80.6413% | 5,438 |
| Equity capital to assets | 8.0296% | 6,177 |
| Core capital (leverage) ratio | 8.0874% | 6,118 |
| Tier 1 risk-based capital ratio | 14.5794% | 4,047 |
| Total risk-based capital ratio | 15.8307% | 4,012 |
| Memoranda: | ||
| Average total assets | $1,679,981,000 | 412 |
| Average earning assets | $1,593,291,000 | 394 |
| Average equity | $133,734,000 | 545 |
| Average total loans | $1,098,609,000 | 397 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4004% | 5,940 |
| Cost of funding earning assets | 0.2759% | 6,128 |
| Net interest margin | 3.1245% | 5,180 |
| Noninterest income to average assets | 0.7397% | 2,376 |
| Noninterest expense to average assets | 2.4815% | 4,819 |
| Loan and lease loss provision to assets | 0.0488% | 3,802 |
| Net operating income to assets | 0.9054% | 2,625 |
| Return on assets (ROA) | 0.9054% | 2,775 |
| Pretax return on assets | 1.1755% | 2,662 |
| Return on Equity (ROE) | 11.4210% | 1,585 |
| Retained earnings to average equity (ytd only) | 5.4707% | 2,967 |
| Net charge-offs to loans | -0.0095% | 5,419 |
| Credit loss provision to net charge-offs | -800.0000% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9622% | 4,497 |
| Assets per employee ($millions) | 5.5799% | 1,594 |
| Cash dividends to net income (ytd only)* | 52.0995% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 5,711 |
| Loan loss allowance to noncurrent loans | 364.1865% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 6,001 |
| Noncurrent loans to loans | 0.2940% | 5,669 |
| Net loans and leases to total assets | 64.2513% | 2,657 |
| Net loans and leases to deposits | 85.6436% | 1,394 |
| Net loans and leases to core deposits | 89.7902% | 1,720 |
| Total domestic deposits to total assets | 75.0218% | 6,454 |
| Equity capital to assets | 7.9854% | 6,385 |
| Core capital (leverage) ratio | 7.9609% | 6,184 |
| Tier 1 risk-based capital ratio | 14.2976% | 4,289 |
| Total risk-based capital ratio | 15.5488% | 4,257 |
| Memoranda: | ||
| Average total assets | $1,704,471,500 | 412 |
| Average earning assets | $1,618,036,000 | 392 |
| Average equity | $135,119,500 | 551 |
| Average total loans | $1,092,288,500 | 398 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6493% | 6,133 |
| Cost of funding earning assets | 0.3628% | 6,144 |
| Net interest margin | 3.2865% | 5,297 |
| Noninterest income to average assets | 0.8631% | 1,985 |
| Noninterest expense to average assets | 2.7016% | 4,392 |
| Loan and lease loss provision to assets | 0.0565% | 5,075 |
| Net operating income to assets | 0.9652% | 2,479 |
| Return on assets (ROA) | 0.9891% | 2,608 |
| Pretax return on assets | 1.2669% | 2,532 |
| Return on Equity (ROE) | 12.4097% | 1,385 |
| Retained earnings to average equity (ytd only) | 6.6282% | 1,753 |
| Net charge-offs to loans | -0.0010% | 6,309 |
| Credit loss provision to net charge-offs | -9,330.0000% | 6,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6358% | 4,212 |
| Assets per employee ($millions) | 5.5787% | 1,612 |
| Cash dividends to net income (ytd only)* | 46.5887% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 5,687 |
| Loan loss allowance to noncurrent loans | 423.6717% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 6,163 |
| Noncurrent loans to loans | 0.2520% | 5,849 |
| Net loans and leases to total assets | 62.5539% | 3,156 |
| Net loans and leases to deposits | 84.1061% | 1,743 |
| Net loans and leases to core deposits | 87.4938% | 2,145 |
| Total domestic deposits to total assets | 74.3750% | 6,496 |
| Equity capital to assets | 7.8698% | 6,470 |
| Core capital (leverage) ratio | 7.8473% | 6,310 |
| Tier 1 risk-based capital ratio | 14.2071% | 4,240 |
| Total risk-based capital ratio | 15.4581% | 4,198 |
| Memoranda: | ||
| Average total assets | $1,650,741,600 | 412 |
| Average earning assets | $1,572,776,600 | 393 |
| Average equity | $131,575,000 | 548 |
| Average total loans | $1,049,989,400 | 408 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6976% | 6,223 |
| Cost of funding earning assets | 0.3891% | 6,180 |
| Net interest margin | 3.3085% | 5,362 |
| Noninterest income to average assets | 0.8826% | 1,899 |
| Noninterest expense to average assets | 2.7359% | 4,233 |
| Loan and lease loss provision to assets | 0.0651% | 4,889 |
| Net operating income to assets | 0.9707% | 2,656 |
| Return on assets (ROA) | 0.9975% | 2,744 |
| Pretax return on assets | 1.2734% | 2,698 |
| Return on Equity (ROE) | 12.4732% | 1,476 |
| Retained earnings to average equity (ytd only) | 6.8157% | 2,227 |
| Net charge-offs to loans | -0.0035% | 6,237 |
| Credit loss provision to net charge-offs | -2,955.5556% | 6,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7208% | 4,122 |
| Assets per employee ($millions) | 5.4490% | 1,688 |
| Cash dividends to net income (ytd only)* | 45.3572% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 5,838 |
| Loan loss allowance to noncurrent loans | 448.4326% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 6,335 |
| Noncurrent loans to loans | 0.2379% | 6,010 |
| Net loans and leases to total assets | 62.8350% | 3,233 |
| Net loans and leases to deposits | 84.5832% | 1,795 |
| Net loans and leases to core deposits | 88.2060% | 2,197 |
| Total domestic deposits to total assets | 74.2878% | 6,579 |
| Equity capital to assets | 7.9898% | 6,594 |
| Core capital (leverage) ratio | 7.8811% | 6,414 |
| Tier 1 risk-based capital ratio | 14.1006% | 4,456 |
| Total risk-based capital ratio | 15.3514% | 4,417 |
| Memoranda: | ||
| Average total assets | $1,635,261,250 | 414 |
| Average earning assets | $1,560,538,750 | 393 |
| Average equity | $130,772,750 | 555 |
| Average total loans | $1,041,762,000 | 412 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7445% | 6,266 |
| Cost of funding earning assets | 0.4269% | 6,121 |
| Net interest margin | 3.3177% | 5,402 |
| Noninterest income to average assets | 0.8337% | 2,038 |
| Noninterest expense to average assets | 2.7491% | 4,220 |
| Loan and lease loss provision to assets | 0.0704% | 4,750 |
| Net operating income to assets | 0.9381% | 2,722 |
| Return on assets (ROA) | 0.9819% | 2,774 |
| Pretax return on assets | 1.2378% | 2,772 |
| Return on Equity (ROE) | 12.2743% | 1,584 |
| Retained earnings to average equity (ytd only) | 6.8730% | 2,172 |
| Net charge-offs to loans | -0.0029% | 6,116 |
| Credit loss provision to net charge-offs | -3,793.3333% | 6,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6959% | 4,001 |
| Assets per employee ($millions) | 5.2108% | 1,916 |
| Cash dividends to net income (ytd only)* | 44.0050% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 5,813 |
| Loan loss allowance to noncurrent loans | 414.3121% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 6,304 |
| Noncurrent loans to loans | 0.2636% | 6,055 |
| Net loans and leases to total assets | 63.2061% | 3,200 |
| Net loans and leases to deposits | 81.7124% | 2,149 |
| Net loans and leases to core deposits | 85.5068% | 2,491 |
| Total domestic deposits to total assets | 77.3519% | 6,271 |
| Equity capital to assets | 8.1981% | 6,453 |
| Core capital (leverage) ratio | 7.7795% | 6,465 |
| Tier 1 risk-based capital ratio | 14.1466% | 4,343 |
| Total risk-based capital ratio | 15.3974% | 4,312 |
| Memoranda: | ||
| Average total assets | $1,617,280,330 | 421 |
| Average earning assets | $1,544,329,000 | 398 |
| Average equity | $129,375,670 | 556 |
| Average total loans | $1,031,397,670 | 412 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7385% | 6,374 |
| Cost of funding earning assets | 0.4345% | 6,231 |
| Net interest margin | 3.3041% | 5,458 |
| Noninterest income to average assets | 0.7663% | 2,314 |
| Noninterest expense to average assets | 2.6479% | 4,629 |
| Loan and lease loss provision to assets | 0.0986% | 4,112 |
| Net operating income to assets | 0.9445% | 2,723 |
| Return on assets (ROA) | 0.9594% | 2,848 |
| Pretax return on assets | 1.2014% | 2,909 |
| Return on Equity (ROE) | 12.1425% | 1,639 |
| Retained earnings to average equity (ytd only) | 6.6980% | 2,586 |
| Net charge-offs to loans | -0.0116% | 5,994 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3920% | 4,289 |
| Assets per employee ($millions) | 5.2468% | 1,930 |
| Cash dividends to net income (ytd only)* | 44.8382% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 6,038 |
| Loan loss allowance to noncurrent loans | 566.0348% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 6,538 |
| Noncurrent loans to loans | 0.1875% | 6,307 |
| Net loans and leases to total assets | 63.1174% | 3,016 |
| Net loans and leases to deposits | 85.6771% | 1,455 |
| Net loans and leases to core deposits | 89.4305% | 1,910 |
| Total domestic deposits to total assets | 73.6689% | 6,777 |
| Equity capital to assets | 7.9400% | 6,560 |
| Core capital (leverage) ratio | 7.7122% | 6,475 |
| Tier 1 risk-based capital ratio | 14.2099% | 4,307 |
| Total risk-based capital ratio | 15.4608% | 4,284 |
| Memoranda: | ||
| Average total assets | $1,623,453,000 | 418 |
| Average earning assets | $1,554,083,500 | 393 |
| Average equity | $128,276,500 | 558 |
| Average total loans | $1,034,286,500 | 408 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 6,407 |
| Cost of funding earning assets | 0.5109% | 6,480 |
| Net interest margin | 3.5174% | 5,085 |
| Noninterest income to average assets | 0.8468% | 1,858 |
| Noninterest expense to average assets | 2.9633% | 3,729 |
| Loan and lease loss provision to assets | 0.0418% | 6,053 |
| Net operating income to assets | 0.9857% | 2,255 |
| Return on assets (ROA) | 1.0387% | 2,200 |
| Pretax return on assets | 1.2853% | 2,192 |
| Return on Equity (ROE) | 12.9167% | 1,184 |
| Retained earnings to average equity (ytd only) | 6.4084% | 1,798 |
| Net charge-offs to loans | 0.0157% | 6,220 |
| Credit loss provision to net charge-offs | 420.5298% | 547 |
| Earnings coverage of net charge-offs (x) | 126.9669% | 258 |
| Efficiency ratio | 70.1380% | 3,918 |
| Assets per employee ($millions) | 5.1934% | 1,952 |
| Cash dividends to net income (ytd only)* | 50.3865% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 6,056 |
| Loan loss allowance to noncurrent loans | 487.7814% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 6,553 |
| Noncurrent loans to loans | 0.2119% | 6,320 |
| Net loans and leases to total assets | 62.9652% | 3,411 |
| Net loans and leases to deposits | 86.2310% | 1,639 |
| Net loans and leases to core deposits | 90.0408% | 2,129 |
| Total domestic deposits to total assets | 73.0193% | 6,806 |
| Equity capital to assets | 7.8625% | 6,653 |
| Core capital (leverage) ratio | 7.8384% | 6,411 |
| Tier 1 risk-based capital ratio | 14.1630% | 4,206 |
| Total risk-based capital ratio | 15.4137% | 4,156 |
| Memoranda: | ||
| Average total assets | $1,519,574,400 | 436 |
| Average earning assets | $1,459,473,800 | 407 |
| Average equity | $122,198,800 | 569 |
| Average total loans | $962,313,600 | 435 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1030% | 6,410 |
| Cost of funding earning assets | 0.5338% | 6,567 |
| Net interest margin | 3.5691% | 4,906 |
| Noninterest income to average assets | 0.8472% | 1,848 |
| Noninterest expense to average assets | 3.0253% | 3,462 |
| Loan and lease loss provision to assets | 0.0455% | 5,873 |
| Net operating income to assets | 0.9751% | 2,410 |
| Return on assets (ROA) | 1.0507% | 2,281 |
| Pretax return on assets | 1.2957% | 2,303 |
| Return on Equity (ROE) | 12.9880% | 1,282 |
| Retained earnings to average equity (ytd only) | 6.4218% | 2,275 |
| Net charge-offs to loans | 0.0233% | 5,824 |
| Credit loss provision to net charge-offs | 309.0909% | 918 |
| Earnings coverage of net charge-offs (x) | 84.8381% | 417 |
| Efficiency ratio | 70.7980% | 3,786 |
| Assets per employee ($millions) | 5.0452% | 2,131 |
| Cash dividends to net income (ytd only)* | 50.5557% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 6,086 |
| Loan loss allowance to noncurrent loans | 360.6332% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 6,543 |
| Noncurrent loans to loans | 0.2883% | 6,275 |
| Net loans and leases to total assets | 63.7792% | 3,354 |
| Net loans and leases to deposits | 85.4894% | 1,756 |
| Net loans and leases to core deposits | 89.3125% | 2,326 |
| Total domestic deposits to total assets | 74.6048% | 6,688 |
| Equity capital to assets | 8.0377% | 6,674 |
| Core capital (leverage) ratio | 8.0209% | 6,377 |
| Tier 1 risk-based capital ratio | 14.0821% | 4,295 |
| Total risk-based capital ratio | 15.3326% | 4,269 |
| Memoranda: | ||
| Average total assets | $1,495,681,750 | 447 |
| Average earning assets | $1,435,639,750 | 413 |
| Average equity | $121,000,750 | 580 |
| Average total loans | $945,992,250 | 446 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1174% | 6,455 |
| Cost of funding earning assets | 0.5554% | 6,641 |
| Net interest margin | 3.5620% | 4,872 |
| Noninterest income to average assets | 0.8438% | 1,824 |
| Noninterest expense to average assets | 2.9691% | 3,763 |
| Loan and lease loss provision to assets | 0.0550% | 5,630 |
| Net operating income to assets | 0.9810% | 2,308 |
| Return on assets (ROA) | 0.9946% | 2,355 |
| Pretax return on assets | 1.2549% | 2,284 |
| Return on Equity (ROE) | 12.2665% | 1,418 |
| Retained earnings to average equity (ytd only) | 5.6217% | 2,631 |
| Net charge-offs to loans | 0.0220% | 5,530 |
| Credit loss provision to net charge-offs | 397.0588% | 762 |
| Earnings coverage of net charge-offs (x) | 93.3333% | 385 |
| Efficiency ratio | 69.6680% | 4,176 |
| Assets per employee ($millions) | 4.5662% | 2,737 |
| Cash dividends to net income (ytd only)* | 54.1706% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 5,932 |
| Loan loss allowance to noncurrent loans | 339.8893% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 6,581 |
| Noncurrent loans to loans | 0.3256% | 6,263 |
| Net loans and leases to total assets | 65.0594% | 3,246 |
| Net loans and leases to deposits | 84.4867% | 2,034 |
| Net loans and leases to core deposits | 88.2975% | 2,601 |
| Total domestic deposits to total assets | 77.0054% | 6,450 |
| Equity capital to assets | 8.5431% | 6,135 |
| Core capital (leverage) ratio | 7.9683% | 6,341 |
| Tier 1 risk-based capital ratio | 14.1640% | 4,048 |
| Total risk-based capital ratio | 15.4147% | 4,014 |
| Memoranda: | ||
| Average total assets | $1,472,901,670 | 460 |
| Average earning assets | $1,413,352,670 | 431 |
| Average equity | $119,430,670 | 589 |
| Average total loans | $925,323,000 | 462 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9695% | 6,744 |
| Cost of funding earning assets | 0.5607% | 6,763 |
| Net interest margin | 3.4088% | 5,394 |
| Noninterest income to average assets | 0.8035% | 2,023 |
| Noninterest expense to average assets | 2.9294% | 3,948 |
| Loan and lease loss provision to assets | 0.0255% | 5,642 |
| Net operating income to assets | 0.9086% | 2,520 |
| Return on assets (ROA) | 0.9064% | 2,593 |
| Pretax return on assets | 1.1160% | 2,697 |
| Return on Equity (ROE) | 11.4741% | 1,607 |
| Retained earnings to average equity (ytd only) | 3.8982% | 3,834 |
| Net charge-offs to loans | -0.0009% | 6,166 |
| Credit loss provision to net charge-offs | -4,750.0000% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9126% | 3,886 |
| Assets per employee ($millions) | 4.7131% | 2,552 |
| Cash dividends to net income (ytd only)* | 66.0260% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 6,007 |
| Loan loss allowance to noncurrent loans | 304.4332% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 6,583 |
| Noncurrent loans to loans | 0.3645% | 6,265 |
| Net loans and leases to total assets | 61.0252% | 4,074 |
| Net loans and leases to deposits | 82.9087% | 2,196 |
| Net loans and leases to core deposits | 87.0528% | 2,727 |
| Total domestic deposits to total assets | 73.6053% | 6,939 |
| Equity capital to assets | 7.9223% | 6,573 |
| Core capital (leverage) ratio | 7.8231% | 6,442 |
| Tier 1 risk-based capital ratio | 14.3220% | 3,853 |
| Total risk-based capital ratio | 15.5729% | 3,813 |
| Memoranda: | ||
| Average total assets | $1,492,454,500 | 456 |
| Average earning assets | $1,431,723,000 | 425 |
| Average equity | $117,900,500 | 590 |
| Average total loans | $916,356,000 | 475 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 6,533 |
| Cost of funding earning assets | 0.7230% | 6,813 |
| Net interest margin | 3.7204% | 4,266 |
| Noninterest income to average assets | 0.8730% | 1,962 |
| Noninterest expense to average assets | 3.1380% | 3,313 |
| Loan and lease loss provision to assets | -0.1136% | 7,607 |
| Net operating income to assets | 1.0478% | 1,884 |
| Return on assets (ROA) | 1.1484% | 1,631 |
| Pretax return on assets | 1.5124% | 1,339 |
| Return on Equity (ROE) | 14.5161% | 791 |
| Retained earnings to average equity (ytd only) | 8.4836% | 844 |
| Net charge-offs to loans | -0.0882% | 7,492 |
| Credit loss provision to net charge-offs | 204.9938% | 1,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2444% | 3,945 |
| Assets per employee ($millions) | 4.7179% | 2,536 |
| Cash dividends to net income (ytd only)* | 41.5573% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 5,910 |
| Loan loss allowance to noncurrent loans | 273.8449% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 6,596 |
| Noncurrent loans to loans | 0.4064% | 6,232 |
| Net loans and leases to total assets | 60.4080% | 4,604 |
| Net loans and leases to deposits | 82.4043% | 2,727 |
| Net loans and leases to core deposits | 86.2054% | 3,293 |
| Total domestic deposits to total assets | 73.3069% | 6,970 |
| Equity capital to assets | 7.8772% | 6,612 |
| Core capital (leverage) ratio | 7.7018% | 6,543 |
| Tier 1 risk-based capital ratio | 14.4068% | 3,610 |
| Total risk-based capital ratio | 15.6579% | 3,566 |
| Memoranda: | ||
| Average total assets | $1,446,028,800 | 466 |
| Average earning assets | $1,372,642,600 | 448 |
| Average equity | $114,397,200 | 590 |
| Average total loans | $907,723,800 | 494 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5551% | 6,458 |
| Cost of funding earning assets | 0.7496% | 6,912 |
| Net interest margin | 3.8055% | 3,950 |
| Noninterest income to average assets | 0.8833% | 1,859 |
| Noninterest expense to average assets | 2.8928% | 4,120 |
| Loan and lease loss provision to assets | 0.0369% | 6,711 |
| Net operating income to assets | 1.1611% | 1,702 |
| Return on assets (ROA) | 1.2815% | 1,459 |
| Pretax return on assets | 1.7172% | 1,080 |
| Return on Equity (ROE) | 16.1810% | 681 |
| Retained earnings to average equity (ytd only) | 10.1138% | 765 |
| Net charge-offs to loans | 0.1885% | 4,823 |
| Credit loss provision to net charge-offs | 30.9672% | 6,142 |
| Earnings coverage of net charge-offs (x) | 13.3760% | 1,583 |
| Efficiency ratio | 64.4815% | 5,161 |
| Assets per employee ($millions) | 4.7593% | 2,508 |
| Cash dividends to net income (ytd only)* | 37.4954% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 5,884 |
| Loan loss allowance to noncurrent loans | 298.4620% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 6,794 |
| Noncurrent loans to loans | 0.3732% | 6,447 |
| Net loans and leases to total assets | 60.3387% | 4,845 |
| Net loans and leases to deposits | 83.5402% | 2,786 |
| Net loans and leases to core deposits | 86.9751% | 3,527 |
| Total domestic deposits to total assets | 72.2271% | 7,107 |
| Equity capital to assets | 7.9462% | 6,845 |
| Core capital (leverage) ratio | 7.9238% | 6,440 |
| Tier 1 risk-based capital ratio | 14.2331% | 3,678 |
| Total risk-based capital ratio | 15.4840% | 3,639 |
| Memoranda: | ||
| Average total assets | $1,434,818,250 | 466 |
| Average earning assets | $1,358,457,000 | 449 |
| Average equity | $113,636,750 | 585 |
| Average total loans | $906,969,500 | 495 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6263% | 6,388 |
| Cost of funding earning assets | 0.7736% | 6,993 |
| Net interest margin | 3.8526% | 3,669 |
| Noninterest income to average assets | 0.9098% | 1,657 |
| Noninterest expense to average assets | 2.8708% | 4,182 |
| Loan and lease loss provision to assets | 0.1240% | 5,653 |
| Net operating income to assets | 1.1537% | 1,687 |
| Return on assets (ROA) | 1.2718% | 1,442 |
| Pretax return on assets | 1.7219% | 1,021 |
| Return on Equity (ROE) | 16.0771% | 689 |
| Retained earnings to average equity (ytd only) | 9.9372% | 859 |
| Net charge-offs to loans | 0.3743% | 3,489 |
| Credit loss provision to net charge-offs | 51.7668% | 5,379 |
| Earnings coverage of net charge-offs (x) | 7.0412% | 2,367 |
| Efficiency ratio | 62.9983% | 5,521 |
| Assets per employee ($millions) | 4.5406% | 2,808 |
| Cash dividends to net income (ytd only)* | 38.1903% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 5,772 |
| Loan loss allowance to noncurrent loans | 122.7284% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 5,933 |
| Noncurrent loans to loans | 0.9242% | 5,437 |
| Net loans and leases to total assets | 63.5095% | 4,347 |
| Net loans and leases to deposits | 85.2987% | 2,639 |
| Net loans and leases to core deposits | 88.5506% | 3,479 |
| Total domestic deposits to total assets | 74.4554% | 6,917 |
| Equity capital to assets | 8.3347% | 6,378 |
| Core capital (leverage) ratio | 7.8048% | 6,491 |
| Tier 1 risk-based capital ratio | 13.7889% | 3,889 |
| Total risk-based capital ratio | 15.0397% | 3,849 |
| Memoranda: | ||
| Average total assets | $1,418,123,330 | 470 |
| Average earning assets | $1,342,512,000 | 454 |
| Average equity | $112,184,330 | 587 |
| Average total loans | $907,272,000 | 494 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5512% | 6,676 |
| Cost of funding earning assets | 0.7895% | 7,119 |
| Net interest margin | 3.7617% | 3,955 |
| Noninterest income to average assets | 0.8248% | 1,911 |
| Noninterest expense to average assets | 2.7736% | 4,589 |
| Loan and lease loss provision to assets | 0.2422% | 4,111 |
| Net operating income to assets | 1.0201% | 2,112 |
| Return on assets (ROA) | 1.1503% | 1,759 |
| Pretax return on assets | 1.5511% | 1,393 |
| Return on Equity (ROE) | 14.9312% | 892 |
| Retained earnings to average equity (ytd only) | 8.6872% | 1,486 |
| Net charge-offs to loans | 0.8288% | 1,873 |
| Credit loss provision to net charge-offs | 45.7717% | 4,543 |
| Earnings coverage of net charge-offs (x) | 3.0566% | 3,030 |
| Efficiency ratio | 63.1656% | 5,630 |
| Assets per employee ($millions) | 4.6309% | 2,748 |
| Cash dividends to net income (ytd only)* | 41.8186% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 6,025 |
| Loan loss allowance to noncurrent loans | 111.3848% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 5,826 |
| Noncurrent loans to loans | 0.9834% | 5,357 |
| Net loans and leases to total assets | 63.1965% | 4,488 |
| Net loans and leases to deposits | 86.6320% | 2,479 |
| Net loans and leases to core deposits | 90.1265% | 3,350 |
| Total domestic deposits to total assets | 72.9482% | 7,168 |
| Equity capital to assets | 7.8585% | 6,800 |
| Core capital (leverage) ratio | 7.6139% | 6,724 |
| Tier 1 risk-based capital ratio | 13.3237% | 4,107 |
| Total risk-based capital ratio | 14.5742% | 4,060 |
| Memoranda: | ||
| Average total assets | $1,430,205,500 | 480 |
| Average earning assets | $1,355,876,500 | 466 |
| Average equity | $110,185,500 | 600 |
| Average total loans | $913,181,500 | 512 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1313% | 5,953 |
| Cost of funding earning assets | 1.1465% | 6,829 |
| Net interest margin | 3.9848% | 2,915 |
| Noninterest income to average assets | 0.8518% | 2,171 |
| Noninterest expense to average assets | 3.1541% | 3,530 |
| Loan and lease loss provision to assets | 0.2744% | 5,217 |
| Net operating income to assets | 0.9142% | 2,133 |
| Return on assets (ROA) | 0.9813% | 1,956 |
| Pretax return on assets | 1.2961% | 1,705 |
| Return on Equity (ROE) | 12.9750% | 963 |
| Retained earnings to average equity (ytd only) | 5.5777% | 1,539 |
| Net charge-offs to loans | 0.1906% | 5,458 |
| Credit loss provision to net charge-offs | 221.8970% | 1,700 |
| Earnings coverage of net charge-offs (x) | 11.9877% | 1,548 |
| Efficiency ratio | 68.0303% | 4,998 |
| Assets per employee ($millions) | 4.7017% | 2,611 |
| Cash dividends to net income (ytd only)* | 57.0122% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 5,392 |
| Loan loss allowance to noncurrent loans | 76.3070% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.0453% | 5,009 |
| Noncurrent loans to loans | 1.5669% | 4,304 |
| Net loans and leases to total assets | 63.0406% | 4,796 |
| Net loans and leases to deposits | 86.8520% | 2,765 |
| Net loans and leases to core deposits | 99.6532% | 4,041 |
| Total domestic deposits to total assets | 72.5840% | 7,197 |
| Equity capital to assets | 7.5517% | 6,985 |
| Core capital (leverage) ratio | 7.4434% | 6,840 |
| Tier 1 risk-based capital ratio | 12.9034% | 4,207 |
| Total risk-based capital ratio | 14.1556% | 4,157 |
| Memoranda: | ||
| Average total assets | $1,381,363,200 | 495 |
| Average earning assets | $1,311,948,600 | 469 |
| Average equity | $104,470,400 | 624 |
| Average total loans | $896,238,600 | 534 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2394% | 5,732 |
| Cost of funding earning assets | 1.2345% | 6,783 |
| Net interest margin | 4.0049% | 2,795 |
| Noninterest income to average assets | 0.8592% | 2,158 |
| Noninterest expense to average assets | 3.1463% | 3,475 |
| Loan and lease loss provision to assets | 0.3088% | 4,500 |
| Net operating income to assets | 0.9244% | 2,328 |
| Return on assets (ROA) | 0.9285% | 2,378 |
| Pretax return on assets | 1.2155% | 2,215 |
| Return on Equity (ROE) | 12.2726% | 1,292 |
| Retained earnings to average equity (ytd only) | 4.9103% | 2,550 |
| Net charge-offs to loans | 0.1322% | 5,378 |
| Credit loss provision to net charge-offs | 358.5504% | 1,141 |
| Earnings coverage of net charge-offs (x) | 17.6354% | 1,393 |
| Efficiency ratio | 67.4437% | 5,083 |
| Assets per employee ($millions) | 4.6371% | 2,652 |
| Cash dividends to net income (ytd only)* | 59.9895% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 5,088 |
| Loan loss allowance to noncurrent loans | 106.6101% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8006% | 5,510 |
| Noncurrent loans to loans | 1.1288% | 5,058 |
| Net loans and leases to total assets | 65.0910% | 4,630 |
| Net loans and leases to deposits | 88.9225% | 2,800 |
| Net loans and leases to core deposits | 103.4061% | 4,007 |
| Total domestic deposits to total assets | 73.1997% | 7,063 |
| Equity capital to assets | 7.6914% | 7,159 |
| Core capital (leverage) ratio | 7.3923% | 7,084 |
| Tier 1 risk-based capital ratio | 12.7117% | 4,386 |
| Total risk-based capital ratio | 13.9643% | 4,333 |
| Memoranda: | ||
| Average total assets | $1,367,020,500 | 513 |
| Average earning assets | $1,299,120,250 | 485 |
| Average equity | $103,425,750 | 641 |
| Average total loans | $890,807,500 | 552 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3278% | 5,512 |
| Cost of funding earning assets | 1.3141% | 6,756 |
| Net interest margin | 4.0138% | 2,642 |
| Noninterest income to average assets | 0.8570% | 2,155 |
| Noninterest expense to average assets | 3.1823% | 3,380 |
| Loan and lease loss provision to assets | 0.3977% | 3,532 |
| Net operating income to assets | 0.8422% | 2,690 |
| Return on assets (ROA) | 0.8189% | 2,877 |
| Pretax return on assets | 1.0581% | 2,781 |
| Return on Equity (ROE) | 10.8865% | 1,733 |
| Retained earnings to average equity (ytd only) | 3.6105% | 3,289 |
| Net charge-offs to loans | 0.2230% | 4,107 |
| Credit loss provision to net charge-offs | 274.7702% | 1,705 |
| Earnings coverage of net charge-offs (x) | 10.2676% | 2,011 |
| Efficiency ratio | 68.1667% | 5,128 |
| Assets per employee ($millions) | 4.3422% | 3,033 |
| Cash dividends to net income (ytd only)* | 66.8352% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 5,049 |
| Loan loss allowance to noncurrent loans | 78.2772% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.0558% | 4,854 |
| Noncurrent loans to loans | 1.5128% | 4,224 |
| Net loans and leases to total assets | 65.1124% | 4,740 |
| Net loans and leases to deposits | 87.0725% | 3,347 |
| Net loans and leases to core deposits | 101.4036% | 4,361 |
| Total domestic deposits to total assets | 74.7795% | 6,805 |
| Equity capital to assets | 7.5910% | 7,187 |
| Core capital (leverage) ratio | 7.2660% | 7,283 |
| Tier 1 risk-based capital ratio | 12.1012% | 4,837 |
| Total risk-based capital ratio | 13.3527% | 4,750 |
| Memoranda: | ||
| Average total assets | $1,352,796,330 | 528 |
| Average earning assets | $1,284,572,670 | 502 |
| Average equity | $101,759,330 | 663 |
| Average total loans | $878,156,670 | 570 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3891% | 5,480 |
| Cost of funding earning assets | 1.3724% | 6,807 |
| Net interest margin | 4.0167% | 2,581 |
| Noninterest income to average assets | 0.8168% | 2,250 |
| Noninterest expense to average assets | 3.0429% | 3,583 |
| Loan and lease loss provision to assets | 0.2667% | 3,827 |
| Net operating income to assets | 0.9883% | 2,361 |
| Return on assets (ROA) | 0.9428% | 2,668 |
| Pretax return on assets | 1.2614% | 2,404 |
| Return on Equity (ROE) | 12.5912% | 1,487 |
| Retained earnings to average equity (ytd only) | 5.8701% | 2,685 |
| Net charge-offs to loans | 0.1601% | 3,682 |
| Credit loss provision to net charge-offs | 258.6207% | 1,823 |
| Earnings coverage of net charge-offs (x) | 15.4052% | 1,609 |
| Efficiency ratio | 65.6962% | 5,386 |
| Assets per employee ($millions) | 4.4521% | 2,801 |
| Cash dividends to net income (ytd only)* | 53.3794% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 5,759 |
| Loan loss allowance to noncurrent loans | 82.7653% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.9025% | 4,927 |
| Noncurrent loans to loans | 1.2795% | 4,419 |
| Net loans and leases to total assets | 65.2057% | 4,767 |
| Net loans and leases to deposits | 90.3538% | 2,874 |
| Net loans and leases to core deposits | 104.6539% | 4,065 |
| Total domestic deposits to total assets | 72.1671% | 7,183 |
| Equity capital to assets | 7.6391% | 7,232 |
| Core capital (leverage) ratio | 7.2707% | 7,407 |
| Tier 1 risk-based capital ratio | 11.7106% | 5,199 |
| Total risk-based capital ratio | 12.8887% | 5,177 |
| Memoranda: | ||
| Average total assets | $1,349,642,000 | 530 |
| Average earning assets | $1,281,850,000 | 505 |
| Average equity | $101,054,500 | 666 |
| Average total loans | $869,459,500 | 574 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7671% | 6,538 |
| Cost of funding earning assets | 1.9645% | 6,525 |
| Net interest margin | 3.8027% | 4,004 |
| Noninterest income to average assets | 0.8969% | 1,967 |
| Noninterest expense to average assets | 2.9908% | 4,106 |
| Loan and lease loss provision to assets | 0.1135% | 5,922 |
| Net operating income to assets | 1.0312% | 2,426 |
| Return on assets (ROA) | 1.0144% | 2,383 |
| Pretax return on assets | 1.3527% | 2,117 |
| Return on Equity (ROE) | 13.6034% | 1,186 |
| Retained earnings to average equity (ytd only) | 3.6250% | 2,893 |
| Net charge-offs to loans | 0.0720% | 5,735 |
| Credit loss provision to net charge-offs | 258.1560% | 1,793 |
| Earnings coverage of net charge-offs (x) | 33.8688% | 1,070 |
| Efficiency ratio | 66.6069% | 5,001 |
| Assets per employee ($millions) | 4.4712% | 2,657 |
| Cash dividends to net income (ytd only)* | 73.3523% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 5,627 |
| Loan loss allowance to noncurrent loans | 77.1178% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 0.9165% | 4,551 |
| Noncurrent loans to loans | 1.3617% | 3,794 |
| Net loans and leases to total assets | 62.2701% | 5,581 |
| Net loans and leases to deposits | 89.9821% | 3,458 |
| Net loans and leases to core deposits | 102.5300% | 4,546 |
| Total domestic deposits to total assets | 69.2028% | 7,359 |
| Equity capital to assets | 7.3350% | 7,527 |
| Core capital (leverage) ratio | 7.2806% | 7,437 |
| Tier 1 risk-based capital ratio | 11.7506% | 5,018 |
| Total risk-based capital ratio | 12.8844% | 5,008 |
| Memoranda: | ||
| Average total assets | $1,283,268,000 | 530 |
| Average earning assets | $1,208,937,200 | 514 |
| Average equity | $95,697,000 | 696 |
| Average total loans | $783,688,800 | 605 |