Home > The Bank of Edwardsville > Performance and Condition Ratios
The Bank of Edwardsville, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4561% | 4,982 |
| Cost of funding earning assets | 0.4482% | 4,331 |
| Net interest margin | 3.0079% | 4,612 |
| Noninterest income to average assets | 1.0353% | 865 |
| Noninterest expense to average assets | 2.8786% | 2,325 |
| Loan and lease loss provision to assets | 0.0778% | 2,346 |
| Net operating income to assets | 0.6529% | 4,152 |
| Return on assets (ROA) | 0.6826% | 4,126 |
| Pretax return on assets | 0.8421% | 4,033 |
| Return on Equity (ROE) | 5.0728% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.0728% | 2,860 |
| Net charge-offs to loans | 0.0417% | 2,263 |
| Credit loss provision to net charge-offs | 395.6364% | 765 |
| Earnings coverage of net charge-offs (x) | 44.9161% | 1,272 |
| Efficiency ratio | 69.8719% | 2,132 |
| Assets per employee ($millions) | 6.6324% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0935% | 5,184 |
| Loan loss allowance to noncurrent loans | 30.2602% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 3,912 |
| Noncurrent loans to loans | 0.3088% | 3,422 |
| Net loans and leases to total assets | 44.7784% | 4,666 |
| Net loans and leases to deposits | 55.3149% | 4,583 |
| Net loans and leases to core deposits | 55.9506% | 4,687 |
| Total domestic deposits to total assets | 80.9518% | 3,772 |
| Equity capital to assets | 14.0514% | 1,131 |
| Core capital (leverage) ratio | 10.5507% | 3,056 |
| Tier 1 risk-based capital ratio | 18.0009% | 1,816 |
| Total risk-based capital ratio | 18.0751% | 2,090 |
| Memoranda: | ||
| Average total assets | $1,864,728,500 | 454 |
| Average earning assets | $1,690,240,000 | 460 |
| Average equity | $250,926,000 | 394 |
| Average total loans | $879,736,500 | 655 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2562% | 5,138 |
| Cost of funding earning assets | 0.4082% | 4,477 |
| Net interest margin | 2.8480% | 4,873 |
| Noninterest income to average assets | 0.7782% | 1,415 |
| Noninterest expense to average assets | 2.3956% | 3,742 |
| Loan and lease loss provision to assets | 0.0265% | 3,290 |
| Net operating income to assets | 0.7484% | 3,837 |
| Return on assets (ROA) | 0.7672% | 3,826 |
| Pretax return on assets | 0.9632% | 3,672 |
| Return on Equity (ROE) | 5.7919% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.7919% | 2,375 |
| Net charge-offs to loans | -0.0607% | 4,877 |
| Credit loss provision to net charge-offs | -91.0448% | 3,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6441% | 2,862 |
| Assets per employee ($millions) | 6.1875% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0590% | 5,244 |
| Loan loss allowance to noncurrent loans | 20.7877% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 4,035 |
| Noncurrent loans to loans | 0.2839% | 3,518 |
| Net loans and leases to total assets | 44.4841% | 4,701 |
| Net loans and leases to deposits | 54.5004% | 4,666 |
| Net loans and leases to core deposits | 55.1091% | 4,742 |
| Total domestic deposits to total assets | 81.6217% | 3,631 |
| Equity capital to assets | 13.8578% | 1,179 |
| Core capital (leverage) ratio | 10.9338% | 2,658 |
| Tier 1 risk-based capital ratio | 17.2951% | 1,999 |
| Total risk-based capital ratio | 17.3407% | 2,319 |
| Memoranda: | ||
| Average total assets | $1,838,539,670 | 456 |
| Average earning assets | $1,667,750,000 | 463 |
| Average equity | $243,547,670 | 402 |
| Average total loans | $882,652,000 | 655 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6165% | 5,329 |
| Cost of funding earning assets | 0.3253% | 4,753 |
| Net interest margin | 2.2912% | 5,259 |
| Noninterest income to average assets | 0.7593% | 1,402 |
| Noninterest expense to average assets | 1.7408% | 4,977 |
| Loan and lease loss provision to assets | 0.0099% | 3,308 |
| Net operating income to assets | 0.8433% | 3,474 |
| Return on assets (ROA) | 0.8127% | 3,609 |
| Pretax return on assets | 1.0518% | 3,279 |
| Return on Equity (ROE) | 6.2934% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.2934% | 2,320 |
| Net charge-offs to loans | -0.0274% | 4,610 |
| Credit loss provision to net charge-offs | -72.1311% | 3,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4328% | 4,496 |
| Assets per employee ($millions) | 5.6948% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0120% | 5,309 |
| Loan loss allowance to noncurrent loans | 3.3959% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 3,875 |
| Noncurrent loans to loans | 0.3520% | 3,320 |
| Net loans and leases to total assets | 48.4934% | 4,556 |
| Net loans and leases to deposits | 59.9231% | 4,420 |
| Net loans and leases to core deposits | 60.7446% | 4,544 |
| Total domestic deposits to total assets | 80.9261% | 3,985 |
| Equity capital to assets | 14.5028% | 876 |
| Core capital (leverage) ratio | 11.0996% | 2,480 |
| Tier 1 risk-based capital ratio | 16.7686% | 2,185 |
| Total risk-based capital ratio | 16.7779% | 2,557 |
| Memoranda: | ||
| Average total assets | $1,783,283,500 | 473 |
| Average earning assets | $1,620,486,500 | 475 |
| Average equity | $230,274,000 | 418 |
| Average total loans | $890,212,500 | 651 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2042% | 5,148 |
| Cost of funding earning assets | 0.5707% | 2,918 |
| Net interest margin | 2.6335% | 5,137 |
| Noninterest income to average assets | 1.4608% | 426 |
| Noninterest expense to average assets | 2.7436% | 2,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9363% | 3,298 |
| Return on assets (ROA) | 0.9195% | 3,358 |
| Pretax return on assets | 1.1448% | 3,119 |
| Return on Equity (ROE) | 8.7372% | 3,125 |
| Retained earnings to average equity (ytd only) | 6.7097% | 1,814 |
| Net charge-offs to loans | -0.0031% | 4,285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1789% | 2,149 |
| Assets per employee ($millions) | 5.2095% | 2,255 |
| Cash dividends to net income (ytd only)* | 23.2054% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 1,581 |
| Loan loss allowance to noncurrent loans | 378.3111% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 3,845 |
| Noncurrent loans to loans | 0.3741% | 3,196 |
| Net loans and leases to total assets | 50.6580% | 4,479 |
| Net loans and leases to deposits | 60.3270% | 4,460 |
| Net loans and leases to core deposits | 61.0809% | 4,584 |
| Total domestic deposits to total assets | 83.9724% | 3,003 |
| Equity capital to assets | 11.2729% | 2,449 |
| Core capital (leverage) ratio | 11.2493% | 2,308 |
| Tier 1 risk-based capital ratio | 17.1030% | 2,031 |
| Total risk-based capital ratio | 18.1753% | 2,041 |
| Memoranda: | ||
| Average total assets | $1,804,445,600 | 456 |
| Average earning assets | $1,677,752,200 | 450 |
| Average equity | $189,889,800 | 471 |
| Average total loans | $883,767,400 | 627 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1207% | 5,238 |
| Cost of funding earning assets | 0.5562% | 2,822 |
| Net interest margin | 2.5645% | 5,240 |
| Noninterest income to average assets | 1.5014% | 426 |
| Noninterest expense to average assets | 2.7870% | 2,683 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8903% | 3,580 |
| Return on assets (ROA) | 0.8700% | 3,666 |
| Pretax return on assets | 1.0771% | 3,478 |
| Return on Equity (ROE) | 8.4120% | 3,372 |
| Retained earnings to average equity (ytd only) | 6.3896% | 2,440 |
| Net charge-offs to loans | -0.0062% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6607% | 1,944 |
| Assets per employee ($millions) | 5.2827% | 2,137 |
| Cash dividends to net income (ytd only)* | 24.0425% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 1,710 |
| Loan loss allowance to noncurrent loans | 454.8754% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 4,166 |
| Noncurrent loans to loans | 0.3073% | 3,574 |
| Net loans and leases to total assets | 48.9078% | 4,670 |
| Net loans and leases to deposits | 57.2975% | 4,682 |
| Net loans and leases to core deposits | 58.1238% | 4,784 |
| Total domestic deposits to total assets | 85.3577% | 2,465 |
| Equity capital to assets | 10.2859% | 3,352 |
| Core capital (leverage) ratio | 10.8216% | 2,769 |
| Tier 1 risk-based capital ratio | 16.4263% | 2,296 |
| Total risk-based capital ratio | 17.4766% | 2,309 |
| Memoranda: | ||
| Average total assets | $1,816,655,500 | 452 |
| Average earning assets | $1,691,433,750 | 440 |
| Average equity | $187,885,250 | 470 |
| Average total loans | $879,178,500 | 628 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0657% | 5,303 |
| Cost of funding earning assets | 0.5390% | 2,696 |
| Net interest margin | 2.5267% | 5,326 |
| Noninterest income to average assets | 1.4935% | 430 |
| Noninterest expense to average assets | 2.7541% | 2,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8881% | 3,506 |
| Return on assets (ROA) | 0.8576% | 3,637 |
| Pretax return on assets | 1.0555% | 3,493 |
| Return on Equity (ROE) | 8.2765% | 3,371 |
| Retained earnings to average equity (ytd only) | 6.2477% | 2,440 |
| Net charge-offs to loans | -0.0256% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5843% | 2,070 |
| Assets per employee ($millions) | 5.2686% | 2,134 |
| Cash dividends to net income (ytd only)* | 24.5130% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 1,573 |
| Loan loss allowance to noncurrent loans | 490.7598% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 4,224 |
| Noncurrent loans to loans | 0.2947% | 3,640 |
| Net loans and leases to total assets | 47.3631% | 4,754 |
| Net loans and leases to deposits | 55.7110% | 4,766 |
| Net loans and leases to core deposits | 56.6926% | 4,842 |
| Total domestic deposits to total assets | 85.0157% | 2,667 |
| Equity capital to assets | 10.1518% | 3,489 |
| Core capital (leverage) ratio | 10.9335% | 2,575 |
| Tier 1 risk-based capital ratio | 16.5733% | 2,238 |
| Total risk-based capital ratio | 17.6560% | 2,237 |
| Memoranda: | ||
| Average total assets | $1,807,655,330 | 455 |
| Average earning assets | $1,683,933,670 | 440 |
| Average equity | $187,301,670 | 469 |
| Average total loans | $867,413,330 | 635 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0460% | 5,348 |
| Cost of funding earning assets | 0.5274% | 2,568 |
| Net interest margin | 2.5187% | 5,381 |
| Noninterest income to average assets | 1.2664% | 579 |
| Noninterest expense to average assets | 2.7705% | 2,804 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7125% | 4,057 |
| Return on assets (ROA) | 0.6501% | 4,284 |
| Pretax return on assets | 0.7660% | 4,234 |
| Return on Equity (ROE) | 6.2089% | 4,092 |
| Retained earnings to average equity (ytd only) | 4.1778% | 3,519 |
| Net charge-offs to loans | -0.0019% | 3,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7456% | 1,490 |
| Assets per employee ($millions) | 5.0343% | 2,442 |
| Cash dividends to net income (ytd only)* | 32.7135% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 1,579 |
| Loan loss allowance to noncurrent loans | 408.0692% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 3,987 |
| Noncurrent loans to loans | 0.3605% | 3,478 |
| Net loans and leases to total assets | 48.3099% | 4,679 |
| Net loans and leases to deposits | 57.1932% | 4,632 |
| Net loans and leases to core deposits | 60.5054% | 4,628 |
| Total domestic deposits to total assets | 84.4680% | 3,127 |
| Equity capital to assets | 10.4925% | 3,085 |
| Core capital (leverage) ratio | 10.8258% | 2,606 |
| Tier 1 risk-based capital ratio | 16.4310% | 2,300 |
| Total risk-based capital ratio | 17.5168% | 2,318 |
| Memoranda: | ||
| Average total assets | $1,786,841,500 | 462 |
| Average earning assets | $1,662,617,000 | 450 |
| Average equity | $187,085,000 | 476 |
| Average total loans | $856,754,500 | 642 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8202% | 5,451 |
| Cost of funding earning assets | 0.4638% | 2,653 |
| Net interest margin | 2.3564% | 5,484 |
| Noninterest income to average assets | 1.2829% | 645 |
| Noninterest expense to average assets | 2.6684% | 3,233 |
| Loan and lease loss provision to assets | -0.1043% | 5,485 |
| Net operating income to assets | 0.5863% | 4,074 |
| Return on assets (ROA) | 0.6077% | 4,007 |
| Pretax return on assets | 0.9427% | 3,770 |
| Return on Equity (ROE) | 5.8230% | 3,833 |
| Retained earnings to average equity (ytd only) | 3.9089% | 2,860 |
| Net charge-offs to loans | 0.1406% | 1,664 |
| Credit loss provision to net charge-offs | -172.6354% | 4,769 |
| Earnings coverage of net charge-offs (x) | 13.3223% | 2,405 |
| Efficiency ratio | 76.8247% | 1,507 |
| Assets per employee ($millions) | 5.2366% | 2,213 |
| Cash dividends to net income (ytd only)* | 32.8707% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 1,393 |
| Loan loss allowance to noncurrent loans | 360.7305% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 3,981 |
| Noncurrent loans to loans | 0.4169% | 3,276 |
| Net loans and leases to total assets | 46.1833% | 4,884 |
| Net loans and leases to deposits | 54.5270% | 4,866 |
| Net loans and leases to core deposits | 58.4965% | 4,828 |
| Total domestic deposits to total assets | 84.6982% | 2,948 |
| Equity capital to assets | 10.4483% | 3,216 |
| Core capital (leverage) ratio | 10.1313% | 3,267 |
| Tier 1 risk-based capital ratio | 16.4334% | 2,292 |
| Total risk-based capital ratio | 17.5377% | 2,275 |
| Memoranda: | ||
| Average total assets | $1,802,314,200 | 441 |
| Average earning assets | $1,675,427,600 | 435 |
| Average equity | $188,083,200 | 462 |
| Average total loans | $774,429,400 | 678 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7440% | 5,543 |
| Cost of funding earning assets | 0.4468% | 2,745 |
| Net interest margin | 2.2972% | 5,570 |
| Noninterest income to average assets | 1.2598% | 662 |
| Noninterest expense to average assets | 2.6255% | 3,336 |
| Loan and lease loss provision to assets | 0.0067% | 3,994 |
| Net operating income to assets | 0.6030% | 4,382 |
| Return on assets (ROA) | 0.6369% | 4,300 |
| Pretax return on assets | 0.8069% | 4,332 |
| Return on Equity (ROE) | 6.1048% | 4,077 |
| Retained earnings to average equity (ytd only) | 4.1891% | 3,407 |
| Net charge-offs to loans | 0.1231% | 1,556 |
| Credit loss provision to net charge-offs | 12.8940% | 3,204 |
| Earnings coverage of net charge-offs (x) | 14.9170% | 2,268 |
| Efficiency ratio | 77.3070% | 1,422 |
| Assets per employee ($millions) | 5.3783% | 2,037 |
| Cash dividends to net income (ytd only)* | 31.3808% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9485% | 634 |
| Loan loss allowance to noncurrent loans | 288.4814% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 3,822 |
| Noncurrent loans to loans | 0.6754% | 2,681 |
| Net loans and leases to total assets | 40.4866% | 5,175 |
| Net loans and leases to deposits | 47.4934% | 5,208 |
| Net loans and leases to core deposits | 50.2455% | 5,190 |
| Total domestic deposits to total assets | 85.2468% | 2,617 |
| Equity capital to assets | 10.2544% | 3,630 |
| Core capital (leverage) ratio | 10.0865% | 3,458 |
| Tier 1 risk-based capital ratio | 17.6741% | 1,954 |
| Total risk-based capital ratio | 18.9262% | 1,891 |
| Memoranda: | ||
| Average total assets | $1,801,234,750 | 445 |
| Average earning assets | $1,675,189,750 | 441 |
| Average equity | $187,913,250 | 463 |
| Average total loans | $756,260,750 | 697 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7082% | 5,592 |
| Cost of funding earning assets | 0.4324% | 2,780 |
| Net interest margin | 2.2758% | 5,618 |
| Noninterest income to average assets | 1.3090% | 609 |
| Noninterest expense to average assets | 2.7084% | 3,065 |
| Loan and lease loss provision to assets | 0.0068% | 3,788 |
| Net operating income to assets | 0.5570% | 4,492 |
| Return on assets (ROA) | 0.5984% | 4,356 |
| Pretax return on assets | 0.7594% | 4,408 |
| Return on Equity (ROE) | 5.7020% | 4,181 |
| Retained earnings to average equity (ytd only) | 3.7705% | 3,443 |
| Net charge-offs to loans | 0.1080% | 1,553 |
| Credit loss provision to net charge-offs | 14.8148% | 2,822 |
| Earnings coverage of net charge-offs (x) | 15.6469% | 2,016 |
| Efficiency ratio | 79.1457% | 1,319 |
| Assets per employee ($millions) | 5.3568% | 2,005 |
| Cash dividends to net income (ytd only)* | 33.8728% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0608% | 539 |
| Loan loss allowance to noncurrent loans | 262.2461% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3349% | 3,782 |
| Noncurrent loans to loans | 0.7858% | 2,440 |
| Net loans and leases to total assets | 38.3988% | 5,289 |
| Net loans and leases to deposits | 44.6804% | 5,316 |
| Net loans and leases to core deposits | 47.3615% | 5,303 |
| Total domestic deposits to total assets | 85.9410% | 2,393 |
| Equity capital to assets | 10.0356% | 3,872 |
| Core capital (leverage) ratio | 10.7548% | 2,646 |
| Tier 1 risk-based capital ratio | 17.7165% | 1,945 |
| Total risk-based capital ratio | 18.9692% | 1,904 |
| Memoranda: | ||
| Average total assets | $1,775,976,000 | 454 |
| Average earning assets | $1,648,923,670 | 447 |
| Average equity | $186,392,330 | 462 |
| Average total loans | $750,001,000 | 704 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7812% | 5,610 |
| Cost of funding earning assets | 0.4307% | 2,715 |
| Net interest margin | 2.3505% | 5,636 |
| Noninterest income to average assets | 1.3162% | 592 |
| Noninterest expense to average assets | 2.8217% | 2,713 |
| Loan and lease loss provision to assets | 0.0070% | 3,467 |
| Net operating income to assets | 0.5519% | 4,370 |
| Return on assets (ROA) | 0.5485% | 4,432 |
| Pretax return on assets | 0.6650% | 4,544 |
| Return on Equity (ROE) | 5.1019% | 4,337 |
| Retained earnings to average equity (ytd only) | 3.1472% | 3,841 |
| Net charge-offs to loans | -0.0170% | 4,655 |
| Credit loss provision to net charge-offs | -93.7500% | 3,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6688% | 1,297 |
| Assets per employee ($millions) | 4.6200% | 2,974 |
| Cash dividends to net income (ytd only)* | 38.3142% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0979% | 558 |
| Loan loss allowance to noncurrent loans | 284.8474% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4421% | 3,422 |
| Noncurrent loans to loans | 0.7365% | 2,653 |
| Net loans and leases to total assets | 42.9420% | 5,108 |
| Net loans and leases to deposits | 50.6379% | 5,090 |
| Net loans and leases to core deposits | 53.9801% | 5,065 |
| Total domestic deposits to total assets | 84.8022% | 3,172 |
| Equity capital to assets | 10.8689% | 2,778 |
| Core capital (leverage) ratio | 10.7698% | 2,627 |
| Tier 1 risk-based capital ratio | 17.8107% | 1,937 |
| Total risk-based capital ratio | 19.0641% | 1,885 |
| Memoranda: | ||
| Average total assets | $1,713,130,500 | 471 |
| Average earning assets | $1,590,111,000 | 461 |
| Average equity | $184,166,500 | 463 |
| Average total loans | $752,210,500 | 704 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7375% | 5,673 |
| Cost of funding earning assets | 0.3916% | 3,085 |
| Net interest margin | 2.3459% | 5,684 |
| Noninterest income to average assets | 1.4223% | 572 |
| Noninterest expense to average assets | 2.6911% | 3,369 |
| Loan and lease loss provision to assets | 0.0069% | 4,224 |
| Net operating income to assets | 0.6828% | 3,861 |
| Return on assets (ROA) | 0.7212% | 3,800 |
| Pretax return on assets | 0.9562% | 3,632 |
| Return on Equity (ROE) | 6.8304% | 3,559 |
| Retained earnings to average equity (ytd only) | 4.9907% | 2,352 |
| Net charge-offs to loans | 0.1666% | 1,622 |
| Credit loss provision to net charge-offs | 9.9010% | 3,740 |
| Earnings coverage of net charge-offs (x) | 13.1691% | 2,391 |
| Efficiency ratio | 74.6912% | 2,181 |
| Assets per employee ($millions) | 4.8232% | 2,612 |
| Cash dividends to net income (ytd only)* | 26.9350% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0874% | 560 |
| Loan loss allowance to noncurrent loans | 271.8934% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4302% | 3,546 |
| Noncurrent loans to loans | 0.7677% | 2,615 |
| Net loans and leases to total assets | 43.0374% | 5,176 |
| Net loans and leases to deposits | 50.8156% | 5,175 |
| Net loans and leases to core deposits | 54.2825% | 5,136 |
| Total domestic deposits to total assets | 84.6933% | 3,174 |
| Equity capital to assets | 10.6316% | 2,997 |
| Core capital (leverage) ratio | 10.3288% | 3,073 |
| Tier 1 risk-based capital ratio | 17.6498% | 1,966 |
| Total risk-based capital ratio | 18.9032% | 1,925 |
| Memoranda: | ||
| Average total assets | $1,750,343,400 | 450 |
| Average earning assets | $1,627,093,800 | 439 |
| Average equity | $184,805,400 | 451 |
| Average total loans | $727,563,400 | 693 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7328% | 5,749 |
| Cost of funding earning assets | 0.3805% | 3,227 |
| Net interest margin | 2.3523% | 5,749 |
| Noninterest income to average assets | 1.3632% | 631 |
| Noninterest expense to average assets | 2.6626% | 3,459 |
| Loan and lease loss provision to assets | 0.0080% | 4,075 |
| Net operating income to assets | 0.6705% | 4,002 |
| Return on assets (ROA) | 0.6984% | 3,985 |
| Pretax return on assets | 0.9179% | 3,916 |
| Return on Equity (ROE) | 6.6264% | 3,764 |
| Retained earnings to average equity (ytd only) | 4.7935% | 2,957 |
| Net charge-offs to loans | 0.0982% | 1,965 |
| Credit loss provision to net charge-offs | 19.7740% | 3,303 |
| Earnings coverage of net charge-offs (x) | 22.0999% | 1,781 |
| Efficiency ratio | 74.9680% | 2,113 |
| Assets per employee ($millions) | 4.9788% | 2,391 |
| Cash dividends to net income (ytd only)* | 27.6603% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2016% | 519 |
| Loan loss allowance to noncurrent loans | 267.1452% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 3,588 |
| Noncurrent loans to loans | 0.8241% | 2,610 |
| Net loans and leases to total assets | 40.6998% | 5,347 |
| Net loans and leases to deposits | 47.9227% | 5,381 |
| Net loans and leases to core deposits | 51.6224% | 5,325 |
| Total domestic deposits to total assets | 84.9280% | 2,833 |
| Equity capital to assets | 10.6749% | 3,380 |
| Core capital (leverage) ratio | 10.1428% | 3,387 |
| Tier 1 risk-based capital ratio | 17.6044% | 2,040 |
| Total risk-based capital ratio | 18.8589% | 2,002 |
| Memoranda: | ||
| Average total assets | $1,759,867,750 | 446 |
| Average earning assets | $1,637,307,750 | 435 |
| Average equity | $185,497,000 | 453 |
| Average total loans | $721,300,250 | 695 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7694% | 5,814 |
| Cost of funding earning assets | 0.3739% | 3,317 |
| Net interest margin | 2.3955% | 5,812 |
| Noninterest income to average assets | 1.3322% | 641 |
| Noninterest expense to average assets | 2.6111% | 3,683 |
| Loan and lease loss provision to assets | 0.0103% | 3,889 |
| Net operating income to assets | 0.7127% | 3,731 |
| Return on assets (ROA) | 0.7412% | 3,754 |
| Pretax return on assets | 0.9761% | 3,675 |
| Return on Equity (ROE) | 7.0626% | 3,506 |
| Retained earnings to average equity (ytd only) | 5.2120% | 2,595 |
| Net charge-offs to loans | 0.0552% | 2,408 |
| Credit loss provision to net charge-offs | 45.6853% | 2,713 |
| Earnings coverage of net charge-offs (x) | 42.1624% | 1,119 |
| Efficiency ratio | 73.3457% | 2,462 |
| Assets per employee ($millions) | 5.0972% | 2,201 |
| Cash dividends to net income (ytd only)* | 26.2022% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2493% | 506 |
| Loan loss allowance to noncurrent loans | 322.1107% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 3,860 |
| Noncurrent loans to loans | 0.6983% | 2,984 |
| Net loans and leases to total assets | 39.9826% | 5,422 |
| Net loans and leases to deposits | 47.2967% | 5,447 |
| Net loans and leases to core deposits | 51.0313% | 5,399 |
| Total domestic deposits to total assets | 84.5358% | 3,079 |
| Equity capital to assets | 10.4875% | 3,644 |
| Core capital (leverage) ratio | 10.4862% | 2,988 |
| Tier 1 risk-based capital ratio | 17.3908% | 2,100 |
| Total risk-based capital ratio | 18.6455% | 2,064 |
| Memoranda: | ||
| Average total assets | $1,750,696,330 | 446 |
| Average earning assets | $1,628,158,330 | 436 |
| Average equity | $183,728,670 | 456 |
| Average total loans | $713,788,000 | 695 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8182% | 5,844 |
| Cost of funding earning assets | 0.3814% | 3,280 |
| Net interest margin | 2.4368% | 5,857 |
| Noninterest income to average assets | 1.2961% | 655 |
| Noninterest expense to average assets | 2.6033% | 3,738 |
| Loan and lease loss provision to assets | 0.0175% | 3,460 |
| Net operating income to assets | 0.7119% | 3,654 |
| Return on assets (ROA) | 0.7687% | 3,508 |
| Pretax return on assets | 1.0145% | 3,423 |
| Return on Equity (ROE) | 7.3221% | 3,276 |
| Retained earnings to average equity (ytd only) | 5.4378% | 2,690 |
| Net charge-offs to loans | 0.0543% | 1,978 |
| Credit loss provision to net charge-offs | 78.9474% | 1,842 |
| Earnings coverage of net charge-offs (x) | 43.2947% | 964 |
| Efficiency ratio | 73.1159% | 2,618 |
| Assets per employee ($millions) | 4.8638% | 2,498 |
| Cash dividends to net income (ytd only)* | 25.7342% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3926% | 451 |
| Loan loss allowance to noncurrent loans | 306.8568% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 3,680 |
| Noncurrent loans to loans | 0.7797% | 2,889 |
| Net loans and leases to total assets | 40.3316% | 5,440 |
| Net loans and leases to deposits | 47.7668% | 5,429 |
| Net loans and leases to core deposits | 51.9931% | 5,355 |
| Total domestic deposits to total assets | 84.4344% | 3,340 |
| Equity capital to assets | 10.8220% | 3,140 |
| Core capital (leverage) ratio | 10.1394% | 3,379 |
| Tier 1 risk-based capital ratio | 17.6917% | 2,072 |
| Total risk-based capital ratio | 18.9473% | 2,034 |
| Memoranda: | ||
| Average total assets | $1,718,737,000 | 455 |
| Average earning assets | $1,597,186,500 | 438 |
| Average equity | $180,439,000 | 461 |
| Average total loans | $699,569,000 | 714 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7705% | 5,902 |
| Cost of funding earning assets | 0.3597% | 3,586 |
| Net interest margin | 2.4108% | 5,888 |
| Noninterest income to average assets | 1.3792% | 635 |
| Noninterest expense to average assets | 2.7222% | 3,510 |
| Loan and lease loss provision to assets | 0.0335% | 3,684 |
| Net operating income to assets | 0.6714% | 3,944 |
| Return on assets (ROA) | 0.6779% | 4,013 |
| Pretax return on assets | 0.8680% | 3,961 |
| Return on Equity (ROE) | 6.7000% | 3,684 |
| Retained earnings to average equity (ytd only) | 4.8578% | 2,522 |
| Net charge-offs to loans | -0.1039% | 5,787 |
| Credit loss provision to net charge-offs | -80.4196% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2936% | 2,384 |
| Assets per employee ($millions) | 4.9573% | 2,414 |
| Cash dividends to net income (ytd only)* | 27.4961% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4079% | 452 |
| Loan loss allowance to noncurrent loans | 266.5133% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 3,338 |
| Noncurrent loans to loans | 0.9035% | 2,532 |
| Net loans and leases to total assets | 39.1343% | 5,565 |
| Net loans and leases to deposits | 46.0313% | 5,563 |
| Net loans and leases to core deposits | 50.3811% | 5,482 |
| Total domestic deposits to total assets | 85.0167% | 3,087 |
| Equity capital to assets | 10.1826% | 3,771 |
| Core capital (leverage) ratio | 9.7845% | 3,793 |
| Tier 1 risk-based capital ratio | 17.3141% | 2,176 |
| Total risk-based capital ratio | 18.5696% | 2,131 |
| Memoranda: | ||
| Average total assets | $1,716,771,800 | 426 |
| Average earning assets | $1,592,519,200 | 415 |
| Average equity | $173,700,800 | 460 |
| Average total loans | $687,860,000 | 678 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7765% | 5,974 |
| Cost of funding earning assets | 0.3585% | 3,663 |
| Net interest margin | 2.4180% | 5,968 |
| Noninterest income to average assets | 1.3866% | 645 |
| Noninterest expense to average assets | 2.6789% | 3,634 |
| Loan and lease loss provision to assets | 0.0390% | 3,430 |
| Net operating income to assets | 0.7017% | 3,894 |
| Return on assets (ROA) | 0.7092% | 3,969 |
| Pretax return on assets | 0.9209% | 3,911 |
| Return on Equity (ROE) | 7.0209% | 3,603 |
| Retained earnings to average equity (ytd only) | 5.1694% | 2,797 |
| Net charge-offs to loans | -0.1517% | 5,920 |
| Credit loss provision to net charge-offs | -64.1026% | 4,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8195% | 2,586 |
| Assets per employee ($millions) | 4.9251% | 2,390 |
| Cash dividends to net income (ytd only)* | 26.3707% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4493% | 467 |
| Loan loss allowance to noncurrent loans | 265.0253% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 3,443 |
| Noncurrent loans to loans | 0.9242% | 2,669 |
| Net loans and leases to total assets | 38.4675% | 5,672 |
| Net loans and leases to deposits | 45.3243% | 5,676 |
| Net loans and leases to core deposits | 49.7498% | 5,586 |
| Total domestic deposits to total assets | 84.8716% | 3,066 |
| Equity capital to assets | 10.2629% | 3,861 |
| Core capital (leverage) ratio | 9.7662% | 3,940 |
| Tier 1 risk-based capital ratio | 17.7008% | 2,118 |
| Total risk-based capital ratio | 18.9570% | 2,078 |
| Memoranda: | ||
| Average total assets | $1,710,963,750 | 431 |
| Average earning assets | $1,586,641,750 | 420 |
| Average equity | $172,831,750 | 466 |
| Average total loans | $685,390,250 | 679 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7976% | 6,019 |
| Cost of funding earning assets | 0.3599% | 3,701 |
| Net interest margin | 2.4377% | 6,016 |
| Noninterest income to average assets | 1.4239% | 624 |
| Noninterest expense to average assets | 2.6799% | 3,655 |
| Loan and lease loss provision to assets | 0.0499% | 3,119 |
| Net operating income to assets | 0.7275% | 3,752 |
| Return on assets (ROA) | 0.7385% | 3,804 |
| Pretax return on assets | 0.9669% | 3,710 |
| Return on Equity (ROE) | 7.3511% | 3,407 |
| Retained earnings to average equity (ytd only) | 5.4794% | 2,546 |
| Net charge-offs to loans | -0.2378% | 6,071 |
| Credit loss provision to net charge-offs | -52.1472% | 4,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7786% | 2,885 |
| Assets per employee ($millions) | 4.9519% | 2,336 |
| Cash dividends to net income (ytd only)* | 25.4615% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4668% | 503 |
| Loan loss allowance to noncurrent loans | 161.4184% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.8499% | 2,856 |
| Noncurrent loans to loans | 1.5282% | 1,734 |
| Net loans and leases to total assets | 38.1079% | 5,735 |
| Net loans and leases to deposits | 44.6668% | 5,737 |
| Net loans and leases to core deposits | 49.0917% | 5,649 |
| Total domestic deposits to total assets | 85.3158% | 3,004 |
| Equity capital to assets | 9.9319% | 4,111 |
| Core capital (leverage) ratio | 10.1066% | 3,450 |
| Tier 1 risk-based capital ratio | 17.3596% | 2,263 |
| Total risk-based capital ratio | 18.6156% | 2,224 |
| Memoranda: | ||
| Average total assets | $1,701,764,670 | 430 |
| Average earning assets | $1,576,556,000 | 420 |
| Average equity | $170,966,670 | 475 |
| Average total loans | $685,329,330 | 676 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8363% | 6,043 |
| Cost of funding earning assets | 0.3666% | 3,679 |
| Net interest margin | 2.4697% | 6,052 |
| Noninterest income to average assets | 1.3659% | 622 |
| Noninterest expense to average assets | 2.6562% | 3,729 |
| Loan and lease loss provision to assets | 0.0713% | 2,517 |
| Net operating income to assets | 0.7173% | 3,716 |
| Return on assets (ROA) | 0.7375% | 3,735 |
| Pretax return on assets | 0.9580% | 3,656 |
| Return on Equity (ROE) | 7.2977% | 3,335 |
| Retained earnings to average equity (ytd only) | 5.4168% | 2,824 |
| Net charge-offs to loans | 0.0523% | 2,256 |
| Credit loss provision to net charge-offs | 333.3333% | 749 |
| Earnings coverage of net charge-offs (x) | 46.9111% | 878 |
| Efficiency ratio | 72.5880% | 3,068 |
| Assets per employee ($millions) | 4.7035% | 2,759 |
| Cash dividends to net income (ytd only)* | 25.7732% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2866% | 716 |
| Loan loss allowance to noncurrent loans | 140.0499% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.9704% | 2,677 |
| Noncurrent loans to loans | 1.6327% | 1,709 |
| Net loans and leases to total assets | 39.8999% | 5,602 |
| Net loans and leases to deposits | 46.7477% | 5,631 |
| Net loans and leases to core deposits | 51.7602% | 5,507 |
| Total domestic deposits to total assets | 85.3517% | 3,245 |
| Equity capital to assets | 10.3869% | 3,671 |
| Core capital (leverage) ratio | 9.9017% | 3,746 |
| Tier 1 risk-based capital ratio | 15.2620% | 3,287 |
| Total risk-based capital ratio | 16.5145% | 3,207 |
| Memoranda: | ||
| Average total assets | $1,683,594,000 | 436 |
| Average earning assets | $1,563,459,500 | 422 |
| Average equity | $170,136,500 | 479 |
| Average total loans | $688,440,500 | 675 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9132% | 6,122 |
| Cost of funding earning assets | 0.3832% | 3,871 |
| Net interest margin | 2.5300% | 6,128 |
| Noninterest income to average assets | 1.3796% | 645 |
| Noninterest expense to average assets | 2.5855% | 4,273 |
| Loan and lease loss provision to assets | 0.0455% | 3,666 |
| Net operating income to assets | 0.8108% | 3,318 |
| Return on assets (ROA) | 0.8192% | 3,373 |
| Pretax return on assets | 1.0967% | 3,097 |
| Return on Equity (ROE) | 8.8312% | 2,668 |
| Retained earnings to average equity (ytd only) | 6.7382% | 1,521 |
| Net charge-offs to loans | 0.4473% | 943 |
| Credit loss provision to net charge-offs | 24.7688% | 3,916 |
| Earnings coverage of net charge-offs (x) | 6.1569% | 3,259 |
| Efficiency ratio | 69.5669% | 3,616 |
| Assets per employee ($millions) | 4.7958% | 2,597 |
| Cash dividends to net income (ytd only)* | 23.7002% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2504% | 771 |
| Loan loss allowance to noncurrent loans | 120.7723% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.0127% | 2,725 |
| Noncurrent loans to loans | 1.8633% | 1,527 |
| Net loans and leases to total assets | 40.0271% | 5,745 |
| Net loans and leases to deposits | 46.7690% | 5,761 |
| Net loans and leases to core deposits | 51.9771% | 5,615 |
| Total domestic deposits to total assets | 85.5847% | 3,039 |
| Equity capital to assets | 9.8241% | 4,318 |
| Core capital (leverage) ratio | 9.5602% | 4,162 |
| Tier 1 risk-based capital ratio | 17.3155% | 2,375 |
| Total risk-based capital ratio | 18.5705% | 2,334 |
| Memoranda: | ||
| Average total assets | $1,648,260,000 | 430 |
| Average earning assets | $1,522,524,800 | 419 |
| Average equity | $152,889,800 | 500 |
| Average total loans | $676,914,000 | 640 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9283% | 6,180 |
| Cost of funding earning assets | 0.3881% | 3,923 |
| Net interest margin | 2.5402% | 6,195 |
| Noninterest income to average assets | 1.3812% | 650 |
| Noninterest expense to average assets | 2.5595% | 4,319 |
| Loan and lease loss provision to assets | 0.0366% | 3,673 |
| Net operating income to assets | 0.8381% | 3,240 |
| Return on assets (ROA) | 0.8350% | 3,350 |
| Pretax return on assets | 1.1244% | 3,093 |
| Return on Equity (ROE) | 9.1400% | 2,606 |
| Retained earnings to average equity (ytd only) | 7.0035% | 1,823 |
| Net charge-offs to loans | 0.3997% | 994 |
| Credit loss provision to net charge-offs | 22.2772% | 3,560 |
| Earnings coverage of net charge-offs (x) | 7.0936% | 2,978 |
| Efficiency ratio | 68.7153% | 3,720 |
| Assets per employee ($millions) | 4.7736% | 2,557 |
| Cash dividends to net income (ytd only)* | 23.3759% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3823% | 752 |
| Loan loss allowance to noncurrent loans | 110.4747% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.1125% | 2,730 |
| Noncurrent loans to loans | 2.1564% | 1,422 |
| Net loans and leases to total assets | 39.6698% | 5,836 |
| Net loans and leases to deposits | 47.3351% | 5,803 |
| Net loans and leases to core deposits | 52.4461% | 5,661 |
| Total domestic deposits to total assets | 83.8063% | 3,835 |
| Equity capital to assets | 9.5814% | 4,692 |
| Core capital (leverage) ratio | 9.5488% | 4,306 |
| Tier 1 risk-based capital ratio | 17.1296% | 2,559 |
| Total risk-based capital ratio | 18.3855% | 2,513 |
| Memoranda: | ||
| Average total assets | $1,639,493,750 | 431 |
| Average earning assets | $1,512,588,750 | 420 |
| Average equity | $149,769,500 | 503 |
| Average total loans | $673,817,750 | 642 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9766% | 6,207 |
| Cost of funding earning assets | 0.3939% | 3,934 |
| Net interest margin | 2.5827% | 6,194 |
| Noninterest income to average assets | 1.3157% | 694 |
| Noninterest expense to average assets | 2.5277% | 4,490 |
| Loan and lease loss provision to assets | 0.0369% | 3,554 |
| Net operating income to assets | 0.8416% | 3,123 |
| Return on assets (ROA) | 0.8366% | 3,237 |
| Pretax return on assets | 1.1244% | 2,995 |
| Return on Equity (ROE) | 9.3146% | 2,455 |
| Retained earnings to average equity (ytd only) | 7.1255% | 1,700 |
| Net charge-offs to loans | 0.3068% | 1,320 |
| Credit loss provision to net charge-offs | 29.1262% | 3,067 |
| Earnings coverage of net charge-offs (x) | 9.2282% | 2,385 |
| Efficiency ratio | 68.3946% | 3,939 |
| Assets per employee ($millions) | 4.6852% | 2,640 |
| Cash dividends to net income (ytd only)* | 23.5018% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5087% | 698 |
| Loan loss allowance to noncurrent loans | 108.7455% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.2456% | 2,614 |
| Noncurrent loans to loans | 2.3070% | 1,404 |
| Net loans and leases to total assets | 40.1995% | 5,795 |
| Net loans and leases to deposits | 47.8134% | 5,782 |
| Net loans and leases to core deposits | 52.6460% | 5,633 |
| Total domestic deposits to total assets | 84.0759% | 3,897 |
| Equity capital to assets | 9.5261% | 4,717 |
| Core capital (leverage) ratio | 9.8967% | 3,747 |
| Tier 1 risk-based capital ratio | 16.8400% | 2,691 |
| Total risk-based capital ratio | 18.0971% | 2,654 |
| Memoranda: | ||
| Average total assets | $1,627,478,330 | 433 |
| Average earning assets | $1,499,819,330 | 426 |
| Average equity | $146,179,000 | 505 |
| Average total loans | $671,455,670 | 640 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0462% | 6,190 |
| Cost of funding earning assets | 0.4028% | 3,937 |
| Net interest margin | 2.6434% | 6,182 |
| Noninterest income to average assets | 1.2995% | 664 |
| Noninterest expense to average assets | 2.5554% | 4,426 |
| Loan and lease loss provision to assets | 0.0371% | 3,320 |
| Net operating income to assets | 0.8431% | 2,936 |
| Return on assets (ROA) | 0.8338% | 3,058 |
| Pretax return on assets | 1.1154% | 2,831 |
| Return on Equity (ROE) | 9.5795% | 2,210 |
| Retained earnings to average equity (ytd only) | 7.3054% | 1,905 |
| Net charge-offs to loans | 0.3885% | 939 |
| Credit loss provision to net charge-offs | 23.1481% | 2,472 |
| Earnings coverage of net charge-offs (x) | 7.2654% | 2,132 |
| Efficiency ratio | 68.6885% | 4,067 |
| Assets per employee ($millions) | 4.5149% | 2,950 |
| Cash dividends to net income (ytd only)* | 23.7389% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5869% | 724 |
| Loan loss allowance to noncurrent loans | 113.4506% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.2563% | 2,760 |
| Noncurrent loans to loans | 2.2802% | 1,571 |
| Net loans and leases to total assets | 40.6244% | 5,768 |
| Net loans and leases to deposits | 47.8207% | 5,743 |
| Net loans and leases to core deposits | 53.3981% | 5,541 |
| Total domestic deposits to total assets | 84.9515% | 3,894 |
| Equity capital to assets | 9.1332% | 4,964 |
| Core capital (leverage) ratio | 9.8372% | 3,810 |
| Tier 1 risk-based capital ratio | 16.4482% | 2,922 |
| Total risk-based capital ratio | 17.7054% | 2,889 |
| Memoranda: | ||
| Average total assets | $1,616,628,000 | 434 |
| Average earning assets | $1,480,520,000 | 430 |
| Average equity | $140,717,000 | 520 |
| Average total loans | $667,172,500 | 644 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0158% | 6,328 |
| Cost of funding earning assets | 0.5413% | 3,182 |
| Net interest margin | 2.4745% | 6,393 |
| Noninterest income to average assets | 1.4292% | 682 |
| Noninterest expense to average assets | 2.6115% | 4,418 |
| Loan and lease loss provision to assets | 0.0368% | 4,382 |
| Net operating income to assets | 0.7932% | 3,325 |
| Return on assets (ROA) | 0.8070% | 3,354 |
| Pretax return on assets | 1.0742% | 3,052 |
| Return on Equity (ROE) | 9.0561% | 2,507 |
| Retained earnings to average equity (ytd only) | 6.6113% | 1,615 |
| Net charge-offs to loans | 0.3758% | 1,792 |
| Credit loss provision to net charge-offs | 24.7219% | 4,357 |
| Earnings coverage of net charge-offs (x) | 7.3366% | 2,864 |
| Efficiency ratio | 70.5008% | 3,755 |
| Assets per employee ($millions) | 4.5291% | 2,853 |
| Cash dividends to net income (ytd only)* | 26.9962% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6714% | 680 |
| Loan loss allowance to noncurrent loans | 151.7141% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 1.0295% | 3,369 |
| Noncurrent loans to loans | 1.7608% | 2,288 |
| Net loans and leases to total assets | 39.7519% | 5,983 |
| Net loans and leases to deposits | 47.7655% | 5,910 |
| Net loans and leases to core deposits | 53.5382% | 5,705 |
| Total domestic deposits to total assets | 83.2230% | 4,461 |
| Equity capital to assets | 8.2827% | 5,787 |
| Core capital (leverage) ratio | 9.2864% | 4,582 |
| Tier 1 risk-based capital ratio | 16.1283% | 3,045 |
| Total risk-based capital ratio | 17.3861% | 2,991 |
| Memoranda: | ||
| Average total assets | $1,629,531,800 | 425 |
| Average earning assets | $1,498,178,000 | 415 |
| Average equity | $145,206,200 | 501 |
| Average total loans | $645,868,400 | 652 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9786% | 6,440 |
| Cost of funding earning assets | 0.5641% | 3,131 |
| Net interest margin | 2.4145% | 6,504 |
| Noninterest income to average assets | 1.4706% | 682 |
| Noninterest expense to average assets | 2.5949% | 4,405 |
| Loan and lease loss provision to assets | 0.0368% | 4,276 |
| Net operating income to assets | 0.7957% | 3,371 |
| Return on assets (ROA) | 0.8152% | 3,399 |
| Pretax return on assets | 1.0858% | 3,170 |
| Return on Equity (ROE) | 8.9900% | 2,640 |
| Retained earnings to average equity (ytd only) | 6.5083% | 2,127 |
| Net charge-offs to loans | 0.4814% | 1,333 |
| Credit loss provision to net charge-offs | 19.4468% | 4,082 |
| Earnings coverage of net charge-offs (x) | 5.7913% | 3,101 |
| Efficiency ratio | 70.2933% | 3,706 |
| Assets per employee ($millions) | 4.7055% | 2,564 |
| Cash dividends to net income (ytd only)* | 27.6049% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7291% | 718 |
| Loan loss allowance to noncurrent loans | 132.1990% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 1.1625% | 3,331 |
| Noncurrent loans to loans | 2.0644% | 2,176 |
| Net loans and leases to total assets | 37.6661% | 6,186 |
| Net loans and leases to deposits | 44.7113% | 6,173 |
| Net loans and leases to core deposits | 51.5492% | 5,914 |
| Total domestic deposits to total assets | 84.2429% | 4,089 |
| Equity capital to assets | 8.3591% | 5,867 |
| Core capital (leverage) ratio | 9.0742% | 5,002 |
| Tier 1 risk-based capital ratio | 16.0752% | 3,153 |
| Total risk-based capital ratio | 17.3332% | 3,107 |
| Memoranda: | ||
| Average total assets | $1,629,296,250 | 422 |
| Average earning assets | $1,498,699,500 | 414 |
| Average equity | $147,745,750 | 497 |
| Average total loans | $640,852,000 | 659 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9626% | 6,482 |
| Cost of funding earning assets | 0.5919% | 3,013 |
| Net interest margin | 2.3707% | 6,577 |
| Noninterest income to average assets | 1.5379% | 662 |
| Noninterest expense to average assets | 2.7297% | 3,928 |
| Loan and lease loss provision to assets | 0.0372% | 4,204 |
| Net operating income to assets | 0.7375% | 3,626 |
| Return on assets (ROA) | 0.7586% | 3,670 |
| Pretax return on assets | 0.9827% | 3,590 |
| Return on Equity (ROE) | 8.1445% | 3,017 |
| Retained earnings to average equity (ytd only) | 5.4812% | 2,753 |
| Net charge-offs to loans | 0.3522% | 1,785 |
| Credit loss provision to net charge-offs | 26.7142% | 3,639 |
| Earnings coverage of net charge-offs (x) | 7.1256% | 2,595 |
| Efficiency ratio | 73.3347% | 3,253 |
| Assets per employee ($millions) | 4.4749% | 2,851 |
| Cash dividends to net income (ytd only)* | 32.7011% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9511% | 614 |
| Loan loss allowance to noncurrent loans | 115.9265% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 1.3892% | 3,023 |
| Noncurrent loans to loans | 2.5457% | 1,814 |
| Net loans and leases to total assets | 38.4721% | 6,144 |
| Net loans and leases to deposits | 45.7197% | 6,123 |
| Net loans and leases to core deposits | 51.0342% | 5,959 |
| Total domestic deposits to total assets | 84.1478% | 4,261 |
| Equity capital to assets | 8.6126% | 5,656 |
| Core capital (leverage) ratio | 9.1627% | 4,742 |
| Tier 1 risk-based capital ratio | 16.1524% | 3,118 |
| Total risk-based capital ratio | 17.4124% | 3,058 |
| Memoranda: | ||
| Average total assets | $1,612,435,330 | 432 |
| Average earning assets | $1,485,653,670 | 418 |
| Average equity | $150,186,670 | 495 |
| Average total loans | $637,636,670 | 656 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9560% | 6,559 |
| Cost of funding earning assets | 0.6079% | 3,032 |
| Net interest margin | 2.3481% | 6,644 |
| Noninterest income to average assets | 1.6268% | 585 |
| Noninterest expense to average assets | 2.7839% | 3,753 |
| Loan and lease loss provision to assets | 0.0371% | 3,972 |
| Net operating income to assets | 0.7709% | 3,326 |
| Return on assets (ROA) | 0.7713% | 3,461 |
| Pretax return on assets | 0.9744% | 3,463 |
| Return on Equity (ROE) | 7.9821% | 2,981 |
| Retained earnings to average equity (ytd only) | 6.0602% | 2,645 |
| Net charge-offs to loans | 0.2445% | 1,988 |
| Credit loss provision to net charge-offs | 38.4615% | 2,769 |
| Earnings coverage of net charge-offs (x) | 10.4692% | 1,737 |
| Efficiency ratio | 73.3590% | 3,380 |
| Assets per employee ($millions) | 4.5821% | 2,828 |
| Cash dividends to net income (ytd only)* | 24.0770% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0475% | 628 |
| Loan loss allowance to noncurrent loans | 124.5228% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.2711% | 3,436 |
| Noncurrent loans to loans | 2.4474% | 2,104 |
| Net loans and leases to total assets | 38.2203% | 6,135 |
| Net loans and leases to deposits | 45.9821% | 6,055 |
| Net loans and leases to core deposits | 50.5058% | 5,935 |
| Total domestic deposits to total assets | 83.1198% | 4,816 |
| Equity capital to assets | 9.7201% | 4,535 |
| Core capital (leverage) ratio | 9.0958% | 4,724 |
| Tier 1 risk-based capital ratio | 16.2842% | 3,114 |
| Total risk-based capital ratio | 17.5456% | 3,061 |
| Memoranda: | ||
| Average total assets | $1,615,410,000 | 434 |
| Average earning assets | $1,491,597,000 | 422 |
| Average equity | $156,099,500 | 487 |
| Average total loans | $638,033,500 | 658 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2994% | 6,584 |
| Cost of funding earning assets | 0.7634% | 2,979 |
| Net interest margin | 2.5360% | 6,689 |
| Noninterest income to average assets | 1.6059% | 616 |
| Noninterest expense to average assets | 3.2795% | 2,399 |
| Loan and lease loss provision to assets | 0.1179% | 4,151 |
| Net operating income to assets | 0.3963% | 5,115 |
| Return on assets (ROA) | 0.7633% | 3,693 |
| Pretax return on assets | 1.0104% | 3,517 |
| Return on Equity (ROE) | 8.1312% | 3,027 |
| Retained earnings to average equity (ytd only) | 6.2141% | 1,964 |
| Net charge-offs to loans | 0.3350% | 2,963 |
| Credit loss provision to net charge-offs | 86.0507% | 3,626 |
| Earnings coverage of net charge-offs (x) | 4.7097% | 3,280 |
| Efficiency ratio | 83.5576% | 1,682 |
| Assets per employee ($millions) | 4.5576% | 2,867 |
| Cash dividends to net income (ytd only)* | 23.5772% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0640% | 627 |
| Loan loss allowance to noncurrent loans | 117.0047% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 1.2552% | 3,547 |
| Noncurrent loans to loans | 2.6187% | 2,020 |
| Net loans and leases to total assets | 38.3590% | 6,275 |
| Net loans and leases to deposits | 46.3865% | 6,228 |
| Net loans and leases to core deposits | 51.1256% | 6,082 |
| Total domestic deposits to total assets | 82.6943% | 4,850 |
| Equity capital to assets | 9.6063% | 4,739 |
| Core capital (leverage) ratio | 8.8787% | 5,062 |
| Tier 1 risk-based capital ratio | 15.8192% | 3,260 |
| Total risk-based capital ratio | 17.0805% | 3,211 |
| Memoranda: | ||
| Average total assets | $1,611,397,200 | 423 |
| Average earning assets | $1,473,492,200 | 415 |
| Average equity | $151,269,400 | 484 |
| Average total loans | $659,130,600 | 626 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3701% | 6,657 |
| Cost of funding earning assets | 0.7895% | 3,032 |
| Net interest margin | 2.5806% | 6,775 |
| Noninterest income to average assets | 1.5508% | 619 |
| Noninterest expense to average assets | 3.2594% | 2,394 |
| Loan and lease loss provision to assets | 0.1449% | 3,721 |
| Net operating income to assets | 0.3844% | 5,312 |
| Return on assets (ROA) | 0.7164% | 4,086 |
| Pretax return on assets | 0.9405% | 3,958 |
| Return on Equity (ROE) | 7.6769% | 3,435 |
| Retained earnings to average equity (ytd only) | 5.8131% | 2,823 |
| Net charge-offs to loans | 0.2629% | 3,145 |
| Credit loss provision to net charge-offs | 133.6898% | 2,156 |
| Earnings coverage of net charge-offs (x) | 5.9817% | 2,879 |
| Efficiency ratio | 83.4047% | 1,653 |
| Assets per employee ($millions) | 4.7750% | 2,497 |
| Cash dividends to net income (ytd only)* | 24.2774% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1604% | 623 |
| Loan loss allowance to noncurrent loans | 124.9126% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.2681% | 3,759 |
| Noncurrent loans to loans | 2.5301% | 2,255 |
| Net loans and leases to total assets | 37.6648% | 6,436 |
| Net loans and leases to deposits | 46.1040% | 6,377 |
| Net loans and leases to core deposits | 51.3518% | 6,222 |
| Total domestic deposits to total assets | 81.6954% | 5,128 |
| Equity capital to assets | 9.3562% | 5,398 |
| Core capital (leverage) ratio | 8.5047% | 5,744 |
| Tier 1 risk-based capital ratio | 15.5913% | 3,484 |
| Total risk-based capital ratio | 16.8537% | 3,440 |
| Memoranda: | ||
| Average total assets | $1,609,763,250 | 422 |
| Average earning assets | $1,470,323,250 | 415 |
| Average equity | $150,230,750 | 482 |
| Average total loans | $663,853,250 | 629 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4750% | 6,638 |
| Cost of funding earning assets | 0.8328% | 2,927 |
| Net interest margin | 2.6422% | 6,779 |
| Noninterest income to average assets | 1.5710% | 599 |
| Noninterest expense to average assets | 3.4442% | 1,923 |
| Loan and lease loss provision to assets | 0.1819% | 3,282 |
| Net operating income to assets | 0.2714% | 5,700 |
| Return on assets (ROA) | 0.7464% | 3,901 |
| Pretax return on assets | 0.9830% | 3,778 |
| Return on Equity (ROE) | 8.0050% | 3,259 |
| Retained earnings to average equity (ytd only) | 6.1211% | 2,636 |
| Net charge-offs to loans | 0.3741% | 2,521 |
| Credit loss provision to net charge-offs | 115.6300% | 2,374 |
| Earnings coverage of net charge-offs (x) | 3.4322% | 3,375 |
| Efficiency ratio | 86.4462% | 1,388 |
| Assets per employee ($millions) | 4.6098% | 2,703 |
| Cash dividends to net income (ytd only)* | 23.5334% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0183% | 767 |
| Loan loss allowance to noncurrent loans | 117.2006% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 1.3612% | 3,714 |
| Noncurrent loans to loans | 2.5753% | 2,337 |
| Net loans and leases to total assets | 39.8429% | 6,356 |
| Net loans and leases to deposits | 48.5915% | 6,276 |
| Net loans and leases to core deposits | 53.7019% | 6,113 |
| Total domestic deposits to total assets | 81.9957% | 5,135 |
| Equity capital to assets | 9.3968% | 5,197 |
| Core capital (leverage) ratio | 8.8175% | 5,191 |
| Tier 1 risk-based capital ratio | 15.0495% | 3,738 |
| Total risk-based capital ratio | 16.3110% | 3,688 |
| Memoranda: | ||
| Average total assets | $1,594,044,330 | 427 |
| Average earning assets | $1,455,887,670 | 420 |
| Average equity | $148,632,670 | 484 |
| Average total loans | $670,323,330 | 620 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5560% | 6,625 |
| Cost of funding earning assets | 0.8605% | 2,991 |
| Net interest margin | 2.6955% | 6,776 |
| Noninterest income to average assets | 1.5863% | 575 |
| Noninterest expense to average assets | 4.0007% | 935 |
| Loan and lease loss provision to assets | 0.2659% | 2,332 |
| Net operating income to assets | -0.1498% | 6,581 |
| Return on assets (ROA) | 0.7439% | 3,893 |
| Pretax return on assets | 0.9728% | 3,786 |
| Return on Equity (ROE) | 8.0104% | 3,277 |
| Retained earnings to average equity (ytd only) | 6.1018% | 2,897 |
| Net charge-offs to loans | 0.0476% | 4,037 |
| Credit loss provision to net charge-offs | 1,312.5000% | 264 |
| Earnings coverage of net charge-offs (x) | 3.1000% | 2,965 |
| Efficiency ratio | 98.4546% | 614 |
| Assets per employee ($millions) | 4.5972% | 2,811 |
| Cash dividends to net income (ytd only)* | 23.8257% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1206% | 740 |
| Loan loss allowance to noncurrent loans | 112.7813% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 1.5406% | 3,553 |
| Noncurrent loans to loans | 2.7670% | 2,344 |
| Net loans and leases to total assets | 40.5468% | 6,302 |
| Net loans and leases to deposits | 49.9031% | 6,145 |
| Net loans and leases to core deposits | 55.4664% | 5,951 |
| Total domestic deposits to total assets | 81.2511% | 5,534 |
| Equity capital to assets | 9.1789% | 5,264 |
| Core capital (leverage) ratio | 8.6928% | 5,304 |
| Tier 1 risk-based capital ratio | 14.5036% | 4,104 |
| Total risk-based capital ratio | 15.7656% | 4,050 |
| Memoranda: | ||
| Average total assets | $1,579,734,500 | 429 |
| Average earning assets | $1,451,754,000 | 418 |
| Average equity | $146,710,000 | 487 |
| Average total loans | $672,166,000 | 621 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8986% | 6,616 |
| Cost of funding earning assets | 1.0047% | 3,342 |
| Net interest margin | 2.8939% | 6,701 |
| Noninterest income to average assets | 1.4323% | 633 |
| Noninterest expense to average assets | 2.9415% | 3,807 |
| Loan and lease loss provision to assets | 0.2494% | 3,707 |
| Net operating income to assets | 0.6922% | 3,530 |
| Return on assets (ROA) | 0.7663% | 3,353 |
| Pretax return on assets | 0.9775% | 3,327 |
| Return on Equity (ROE) | 8.4820% | 2,678 |
| Retained earnings to average equity (ytd only) | 6.3757% | 1,816 |
| Net charge-offs to loans | 0.5249% | 2,895 |
| Credit loss provision to net charge-offs | 103.8535% | 3,320 |
| Earnings coverage of net charge-offs (x) | 4.7136% | 3,007 |
| Efficiency ratio | 72.2141% | 3,529 |
| Assets per employee ($millions) | 4.4057% | 3,053 |
| Cash dividends to net income (ytd only)* | 24.8330% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9529% | 848 |
| Loan loss allowance to noncurrent loans | 112.6661% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 1.5377% | 3,643 |
| Noncurrent loans to loans | 2.6210% | 2,493 |
| Net loans and leases to total assets | 41.9862% | 6,390 |
| Net loans and leases to deposits | 50.7904% | 6,306 |
| Net loans and leases to core deposits | 56.3663% | 6,134 |
| Total domestic deposits to total assets | 82.6656% | 4,893 |
| Equity capital to assets | 9.3979% | 5,021 |
| Core capital (leverage) ratio | 8.4289% | 5,671 |
| Tier 1 risk-based capital ratio | 14.2984% | 4,110 |
| Total risk-based capital ratio | 15.5593% | 4,066 |
| Memoranda: | ||
| Average total assets | $1,523,871,600 | 435 |
| Average earning assets | $1,390,660,400 | 427 |
| Average equity | $137,679,200 | 503 |
| Average total loans | $697,084,000 | 591 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9387% | 6,675 |
| Cost of funding earning assets | 1.0328% | 3,445 |
| Net interest margin | 2.9058% | 6,739 |
| Noninterest income to average assets | 1.3911% | 677 |
| Noninterest expense to average assets | 2.9179% | 3,849 |
| Loan and lease loss provision to assets | 0.3080% | 3,062 |
| Net operating income to assets | 0.6548% | 3,849 |
| Return on assets (ROA) | 0.7057% | 3,752 |
| Pretax return on assets | 0.8777% | 3,853 |
| Return on Equity (ROE) | 7.8922% | 3,083 |
| Retained earnings to average equity (ytd only) | 5.7267% | 2,724 |
| Net charge-offs to loans | 0.1085% | 4,914 |
| Credit loss provision to net charge-offs | 611.8881% | 438 |
| Earnings coverage of net charge-offs (x) | 22.2901% | 1,158 |
| Efficiency ratio | 72.2246% | 3,510 |
| Assets per employee ($millions) | 4.4606% | 2,988 |
| Cash dividends to net income (ytd only)* | 27.4383% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3237% | 649 |
| Loan loss allowance to noncurrent loans | 136.2693% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 1.4974% | 3,870 |
| Noncurrent loans to loans | 2.4390% | 2,834 |
| Net loans and leases to total assets | 41.0255% | 6,558 |
| Net loans and leases to deposits | 50.7197% | 6,462 |
| Net loans and leases to core deposits | 56.6145% | 6,264 |
| Total domestic deposits to total assets | 80.8867% | 5,471 |
| Equity capital to assets | 9.0331% | 5,713 |
| Core capital (leverage) ratio | 8.5543% | 5,626 |
| Tier 1 risk-based capital ratio | 13.9922% | 4,358 |
| Total risk-based capital ratio | 15.2567% | 4,320 |
| Memoranda: | ||
| Average total assets | $1,514,931,250 | 441 |
| Average earning assets | $1,380,998,500 | 433 |
| Average equity | $135,455,750 | 519 |
| Average total loans | $702,666,250 | 595 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0302% | 6,613 |
| Cost of funding earning assets | 1.0781% | 3,404 |
| Net interest margin | 2.9521% | 6,690 |
| Noninterest income to average assets | 1.3941% | 656 |
| Noninterest expense to average assets | 2.9709% | 3,753 |
| Loan and lease loss provision to assets | 0.3708% | 2,566 |
| Net operating income to assets | 0.6150% | 3,984 |
| Return on assets (ROA) | 0.6755% | 3,783 |
| Pretax return on assets | 0.8166% | 3,962 |
| Return on Equity (ROE) | 7.5824% | 3,149 |
| Retained earnings to average equity (ytd only) | 5.3118% | 2,799 |
| Net charge-offs to loans | 0.1351% | 4,394 |
| Credit loss provision to net charge-offs | 574.1127% | 540 |
| Earnings coverage of net charge-offs (x) | 17.2568% | 1,307 |
| Efficiency ratio | 72.7168% | 3,598 |
| Assets per employee ($millions) | 4.0419% | 3,672 |
| Cash dividends to net income (ytd only)* | 29.9461% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2052% | 759 |
| Loan loss allowance to noncurrent loans | 156.1637% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 1.5375% | 3,897 |
| Noncurrent loans to loans | 2.0525% | 3,407 |
| Net loans and leases to total assets | 44.2970% | 6,413 |
| Net loans and leases to deposits | 55.2559% | 6,204 |
| Net loans and leases to core deposits | 60.8104% | 6,021 |
| Total domestic deposits to total assets | 80.1670% | 5,781 |
| Equity capital to assets | 9.2749% | 5,178 |
| Core capital (leverage) ratio | 8.8995% | 4,878 |
| Tier 1 risk-based capital ratio | 13.4396% | 4,575 |
| Total risk-based capital ratio | 14.7027% | 4,548 |
| Memoranda: | ||
| Average total assets | $1,483,144,330 | 456 |
| Average earning assets | $1,352,203,330 | 452 |
| Average equity | $132,121,000 | 530 |
| Average total loans | $709,107,670 | 596 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0773% | 6,549 |
| Cost of funding earning assets | 1.1098% | 3,461 |
| Net interest margin | 2.9675% | 6,644 |
| Noninterest income to average assets | 1.4420% | 612 |
| Noninterest expense to average assets | 2.9653% | 3,789 |
| Loan and lease loss provision to assets | 0.4074% | 2,149 |
| Net operating income to assets | 0.6535% | 3,732 |
| Return on assets (ROA) | 0.6656% | 3,756 |
| Pretax return on assets | 0.7946% | 3,916 |
| Return on Equity (ROE) | 7.6324% | 3,082 |
| Retained earnings to average equity (ytd only) | 5.1412% | 3,094 |
| Net charge-offs to loans | 0.0539% | 4,400 |
| Credit loss provision to net charge-offs | 1,546.3918% | 251 |
| Earnings coverage of net charge-offs (x) | 45.0825% | 625 |
| Efficiency ratio | 71.4033% | 3,978 |
| Assets per employee ($millions) | 3.9129% | 4,045 |
| Cash dividends to net income (ytd only)* | 32.6397% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0074% | 913 |
| Loan loss allowance to noncurrent loans | 129.1357% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 1.6208% | 3,817 |
| Noncurrent loans to loans | 2.3288% | 3,161 |
| Net loans and leases to total assets | 47.1960% | 6,167 |
| Net loans and leases to deposits | 57.0536% | 6,019 |
| Net loans and leases to core deposits | 61.9061% | 5,936 |
| Total domestic deposits to total assets | 82.7221% | 5,021 |
| Equity capital to assets | 8.9337% | 5,304 |
| Core capital (leverage) ratio | 8.7091% | 5,076 |
| Tier 1 risk-based capital ratio | 13.1270% | 4,728 |
| Total risk-based capital ratio | 14.3886% | 4,699 |
| Memoranda: | ||
| Average total assets | $1,472,919,000 | 464 |
| Average earning assets | $1,345,493,000 | 461 |
| Average equity | $128,453,000 | 542 |
| Average total loans | $719,610,000 | 594 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3496% | 6,701 |
| Cost of funding earning assets | 1.3389% | 3,647 |
| Net interest margin | 3.0107% | 6,714 |
| Noninterest income to average assets | 1.5097% | 638 |
| Noninterest expense to average assets | 3.0760% | 3,561 |
| Loan and lease loss provision to assets | 0.6319% | 2,603 |
| Net operating income to assets | 0.4907% | 4,145 |
| Return on assets (ROA) | 0.6217% | 3,739 |
| Pretax return on assets | 0.6727% | 4,080 |
| Return on Equity (ROE) | 7.0988% | 3,065 |
| Retained earnings to average equity (ytd only) | 5.0316% | 2,392 |
| Net charge-offs to loans | 0.6012% | 3,229 |
| Credit loss provision to net charge-offs | 206.4732% | 1,500 |
| Earnings coverage of net charge-offs (x) | 3.7975% | 3,183 |
| Efficiency ratio | 72.5774% | 3,685 |
| Assets per employee ($millions) | 3.9737% | 3,839 |
| Cash dividends to net income (ytd only)* | 29.1209% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6926% | 1,182 |
| Loan loss allowance to noncurrent loans | 116.3559% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.6297% | 3,865 |
| Noncurrent loans to loans | 2.3141% | 3,202 |
| Net loans and leases to total assets | 47.7255% | 6,418 |
| Net loans and leases to deposits | 58.3977% | 6,218 |
| Net loans and leases to core deposits | 62.8412% | 6,168 |
| Total domestic deposits to total assets | 81.7250% | 5,281 |
| Equity capital to assets | 8.5154% | 5,838 |
| Core capital (leverage) ratio | 8.2045% | 5,816 |
| Tier 1 risk-based capital ratio | 12.2683% | 5,240 |
| Total risk-based capital ratio | 13.5269% | 5,190 |
| Memoranda: | ||
| Average total assets | $1,463,800,000 | 462 |
| Average earning assets | $1,326,650,200 | 464 |
| Average equity | $128,190,600 | 528 |
| Average total loans | $745,128,800 | 586 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4270% | 6,769 |
| Cost of funding earning assets | 1.3754% | 3,737 |
| Net interest margin | 3.0515% | 6,728 |
| Noninterest income to average assets | 1.4254% | 668 |
| Noninterest expense to average assets | 3.0652% | 3,512 |
| Loan and lease loss provision to assets | 0.7101% | 2,149 |
| Net operating income to assets | 0.4204% | 4,659 |
| Return on assets (ROA) | 0.5089% | 4,465 |
| Pretax return on assets | 0.4978% | 4,934 |
| Return on Equity (ROE) | 5.7697% | 3,920 |
| Retained earnings to average equity (ytd only) | 3.7959% | 3,787 |
| Net charge-offs to loans | 0.2291% | 4,560 |
| Credit loss provision to net charge-offs | 603.1128% | 483 |
| Earnings coverage of net charge-offs (x) | 9.5074% | 2,012 |
| Efficiency ratio | 73.2506% | 3,476 |
| Assets per employee ($millions) | 4.1352% | 3,585 |
| Cash dividends to net income (ytd only)* | 34.2096% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8849% | 925 |
| Loan loss allowance to noncurrent loans | 111.7243% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 1.7591% | 3,804 |
| Noncurrent loans to loans | 2.5822% | 3,047 |
| Net loans and leases to total assets | 46.6271% | 6,645 |
| Net loans and leases to deposits | 57.0750% | 6,536 |
| Net loans and leases to core deposits | 61.8334% | 6,478 |
| Total domestic deposits to total assets | 81.6944% | 5,124 |
| Equity capital to assets | 8.6602% | 6,086 |
| Core capital (leverage) ratio | 8.1504% | 6,121 |
| Tier 1 risk-based capital ratio | 12.0978% | 5,368 |
| Total risk-based capital ratio | 13.3587% | 5,321 |
| Memoranda: | ||
| Average total assets | $1,455,230,250 | 460 |
| Average earning assets | $1,315,816,000 | 461 |
| Average equity | $128,346,500 | 517 |
| Average total loans | $747,723,500 | 584 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6212% | 6,398 |
| Cost of funding earning assets | 1.4294% | 3,673 |
| Net interest margin | 3.1918% | 6,342 |
| Noninterest income to average assets | 1.3458% | 697 |
| Noninterest expense to average assets | 3.0611% | 3,466 |
| Loan and lease loss provision to assets | 0.7728% | 1,861 |
| Net operating income to assets | 0.4023% | 4,746 |
| Return on assets (ROA) | 0.5294% | 4,352 |
| Pretax return on assets | 0.5247% | 4,829 |
| Return on Equity (ROE) | 5.9637% | 3,820 |
| Retained earnings to average equity (ytd only) | 4.0644% | 3,496 |
| Net charge-offs to loans | 0.3240% | 3,705 |
| Credit loss provision to net charge-offs | 453.4213% | 804 |
| Earnings coverage of net charge-offs (x) | 6.8664% | 2,393 |
| Efficiency ratio | 72.3427% | 3,763 |
| Assets per employee ($millions) | 3.9301% | 3,910 |
| Cash dividends to net income (ytd only)* | 31.8471% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5726% | 1,221 |
| Loan loss allowance to noncurrent loans | 240.6008% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 1.0822% | 4,968 |
| Noncurrent loans to loans | 1.0692% | 5,176 |
| Net loans and leases to total assets | 49.8634% | 6,446 |
| Net loans and leases to deposits | 62.3502% | 6,203 |
| Net loans and leases to core deposits | 68.1204% | 6,046 |
| Total domestic deposits to total assets | 79.9732% | 5,737 |
| Equity capital to assets | 8.9074% | 5,591 |
| Core capital (leverage) ratio | 8.6825% | 5,109 |
| Tier 1 risk-based capital ratio | 12.1069% | 5,218 |
| Total risk-based capital ratio | 13.3653% | 5,181 |
| Memoranda: | ||
| Average total assets | $1,423,406,670 | 468 |
| Average earning assets | $1,286,861,670 | 466 |
| Average equity | $126,364,000 | 524 |
| Average total loans | $748,789,330 | 581 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7168% | 6,186 |
| Cost of funding earning assets | 1.4676% | 3,758 |
| Net interest margin | 3.2492% | 6,134 |
| Noninterest income to average assets | 1.3471% | 663 |
| Noninterest expense to average assets | 3.0941% | 3,285 |
| Loan and lease loss provision to assets | 0.6419% | 1,975 |
| Net operating income to assets | 0.5429% | 4,166 |
| Return on assets (ROA) | 0.5429% | 4,302 |
| Pretax return on assets | 0.5423% | 4,811 |
| Return on Equity (ROE) | 6.1260% | 3,816 |
| Retained earnings to average equity (ytd only) | 4.1945% | 3,631 |
| Net charge-offs to loans | 0.1503% | 4,034 |
| Credit loss provision to net charge-offs | 800.7117% | 565 |
| Earnings coverage of net charge-offs (x) | 14.7722% | 1,411 |
| Efficiency ratio | 72.3211% | 3,874 |
| Assets per employee ($millions) | 3.6633% | 4,666 |
| Cash dividends to net income (ytd only)* | 31.5292% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2817% | 1,607 |
| Loan loss allowance to noncurrent loans | 158.4235% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 1.2782% | 4,618 |
| Noncurrent loans to loans | 1.4403% | 4,579 |
| Net loans and leases to total assets | 52.3864% | 6,233 |
| Net loans and leases to deposits | 63.6479% | 6,088 |
| Net loans and leases to core deposits | 70.1802% | 5,900 |
| Total domestic deposits to total assets | 82.3066% | 4,930 |
| Equity capital to assets | 9.0785% | 5,162 |
| Core capital (leverage) ratio | 8.6604% | 5,095 |
| Tier 1 risk-based capital ratio | 12.1836% | 5,011 |
| Total risk-based capital ratio | 13.4394% | 4,979 |
| Memoranda: | ||
| Average total assets | $1,402,144,000 | 490 |
| Average earning assets | $1,264,934,000 | 487 |
| Average equity | $124,258,000 | 539 |
| Average total loans | $748,051,500 | 604 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9604% | 6,554 |
| Cost of funding earning assets | 1.6107% | 4,982 |
| Net interest margin | 3.3497% | 5,556 |
| Noninterest income to average assets | 1.4526% | 684 |
| Noninterest expense to average assets | 3.0962% | 3,763 |
| Loan and lease loss provision to assets | 0.9252% | 2,426 |
| Net operating income to assets | 0.4762% | 3,832 |
| Return on assets (ROA) | 0.5228% | 3,724 |
| Pretax return on assets | 0.5096% | 4,157 |
| Return on Equity (ROE) | 5.6428% | 3,357 |
| Retained earnings to average equity (ytd only) | 3.5641% | 2,685 |
| Net charge-offs to loans | 1.2848% | 1,934 |
| Credit loss provision to net charge-offs | 126.5496% | 4,114 |
| Earnings coverage of net charge-offs (x) | 1.8989% | 4,300 |
| Efficiency ratio | 69.0430% | 4,818 |
| Assets per employee ($millions) | 3.7657% | 4,363 |
| Cash dividends to net income (ytd only)* | 36.8391% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9971% | 2,035 |
| Loan loss allowance to noncurrent loans | 163.6403% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 1.1601% | 4,773 |
| Noncurrent loans to loans | 1.2204% | 4,916 |
| Net loans and leases to total assets | 52.0361% | 6,416 |
| Net loans and leases to deposits | 64.1481% | 6,243 |
| Net loans and leases to core deposits | 75.3474% | 6,450 |
| Total domestic deposits to total assets | 81.1188% | 5,308 |
| Equity capital to assets | 8.6497% | 5,664 |
| Core capital (leverage) ratio | 8.3373% | 5,548 |
| Tier 1 risk-based capital ratio | 11.6597% | 5,241 |
| Total risk-based capital ratio | 12.9125% | 5,190 |
| Memoranda: | ||
| Average total assets | $1,324,055,800 | 513 |
| Average earning assets | $1,198,393,200 | 509 |
| Average equity | $122,668,800 | 541 |
| Average total loans | $753,443,000 | 609 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0425% | 6,469 |
| Cost of funding earning assets | 1.6315% | 5,249 |
| Net interest margin | 3.4110% | 5,216 |
| Noninterest income to average assets | 1.4835% | 675 |
| Noninterest expense to average assets | 3.3125% | 2,864 |
| Loan and lease loss provision to assets | 0.8710% | 2,204 |
| Net operating income to assets | 0.4435% | 4,221 |
| Return on assets (ROA) | 0.4634% | 4,249 |
| Pretax return on assets | 0.4105% | 4,775 |
| Return on Equity (ROE) | 4.9130% | 4,002 |
| Retained earnings to average equity (ytd only) | 2.7944% | 3,770 |
| Net charge-offs to loans | 0.6005% | 2,876 |
| Credit loss provision to net charge-offs | 250.3682% | 1,714 |
| Earnings coverage of net charge-offs (x) | 3.6265% | 3,446 |
| Efficiency ratio | 72.4175% | 4,168 |
| Assets per employee ($millions) | 3.6711% | 4,498 |
| Cash dividends to net income (ytd only)* | 43.1226% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3803% | 1,195 |
| Loan loss allowance to noncurrent loans | 71.3885% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.9208% | 3,467 |
| Noncurrent loans to loans | 3.3343% | 2,266 |
| Net loans and leases to total assets | 51.8607% | 6,611 |
| Net loans and leases to deposits | 64.6923% | 6,429 |
| Net loans and leases to core deposits | 75.6842% | 6,638 |
| Total domestic deposits to total assets | 80.1651% | 5,380 |
| Equity capital to assets | 9.0014% | 5,477 |
| Core capital (leverage) ratio | 8.5491% | 5,404 |
| Tier 1 risk-based capital ratio | 12.2100% | 4,781 |
| Total risk-based capital ratio | 13.4671% | 4,722 |
| Memoranda: | ||
| Average total assets | $1,301,094,000 | 535 |
| Average earning assets | $1,178,902,500 | 530 |
| Average equity | $122,718,000 | 551 |
| Average total loans | $753,855,000 | 625 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2070% | 6,054 |
| Cost of funding earning assets | 1.6777% | 5,379 |
| Net interest margin | 3.5294% | 4,659 |
| Noninterest income to average assets | 1.5524% | 620 |
| Noninterest expense to average assets | 3.4156% | 2,577 |
| Loan and lease loss provision to assets | 0.8646% | 1,948 |
| Net operating income to assets | 0.4955% | 4,105 |
| Return on assets (ROA) | 0.5093% | 4,172 |
| Pretax return on assets | 0.4751% | 4,702 |
| Return on Equity (ROE) | 5.3120% | 3,954 |
| Retained earnings to average equity (ytd only) | 2.9347% | 3,696 |
| Net charge-offs to loans | 0.6279% | 2,470 |
| Credit loss provision to net charge-offs | 230.7047% | 2,003 |
| Earnings coverage of net charge-offs (x) | 3.5378% | 3,401 |
| Efficiency ratio | 72.0367% | 4,402 |
| Assets per employee ($millions) | 3.4437% | 4,966 |
| Cash dividends to net income (ytd only)* | 44.7531% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0576% | 1,468 |
| Loan loss allowance to noncurrent loans | 102.2541% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.3900% | 4,182 |
| Noncurrent loans to loans | 2.0123% | 3,499 |
| Net loans and leases to total assets | 56.5980% | 6,138 |
| Net loans and leases to deposits | 71.1786% | 5,851 |
| Net loans and leases to core deposits | 85.3909% | 5,977 |
| Total domestic deposits to total assets | 79.5155% | 5,637 |
| Equity capital to assets | 9.1263% | 5,128 |
| Core capital (leverage) ratio | 9.1204% | 4,429 |
| Tier 1 risk-based capital ratio | 12.7307% | 4,331 |
| Total risk-based capital ratio | 13.9864% | 4,243 |
| Memoranda: | ||
| Average total assets | $1,272,230,670 | 552 |
| Average earning assets | $1,149,558,000 | 558 |
| Average equity | $121,987,000 | 561 |
| Average total loans | $759,403,330 | 637 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2864% | 5,950 |
| Cost of funding earning assets | 1.6971% | 5,611 |
| Net interest margin | 3.5893% | 4,361 |
| Noninterest income to average assets | 1.5773% | 556 |
| Noninterest expense to average assets | 3.4002% | 2,358 |
| Loan and lease loss provision to assets | 0.7974% | 1,617 |
| Net operating income to assets | 0.5828% | 4,090 |
| Return on assets (ROA) | 0.6198% | 4,127 |
| Pretax return on assets | 0.6526% | 4,583 |
| Return on Equity (ROE) | 6.3050% | 3,898 |
| Retained earnings to average equity (ytd only) | 3.2223% | 4,078 |
| Net charge-offs to loans | 1.1569% | 1,186 |
| Credit loss provision to net charge-offs | 113.5847% | 3,419 |
| Earnings coverage of net charge-offs (x) | 2.0100% | 3,717 |
| Efficiency ratio | 70.6709% | 4,434 |
| Assets per employee ($millions) | 3.3042% | 5,313 |
| Cash dividends to net income (ytd only)* | 48.8935% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 2,290 |
| Loan loss allowance to noncurrent loans | 90.6452% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.2912% | 4,100 |
| Noncurrent loans to loans | 1.8265% | 3,521 |
| Net loans and leases to total assets | 59.9635% | 5,661 |
| Net loans and leases to deposits | 75.8612% | 5,248 |
| Net loans and leases to core deposits | 89.4646% | 5,608 |
| Total domestic deposits to total assets | 79.0438% | 5,708 |
| Equity capital to assets | 9.5512% | 4,606 |
| Core capital (leverage) ratio | 9.2473% | 4,326 |
| Tier 1 risk-based capital ratio | 11.9553% | 4,996 |
| Total risk-based capital ratio | 13.2062% | 4,901 |
| Memoranda: | ||
| Average total assets | $1,254,042,000 | 562 |
| Average earning assets | $1,129,917,000 | 566 |
| Average equity | $123,267,000 | 556 |
| Average total loans | $761,002,000 | 642 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8107% | 6,390 |
| Cost of funding earning assets | 2.1104% | 6,004 |
| Net interest margin | 3.7003% | 4,473 |
| Noninterest income to average assets | 1.3613% | 778 |
| Noninterest expense to average assets | 3.5902% | 2,176 |
| Loan and lease loss provision to assets | 0.2049% | 4,841 |
| Net operating income to assets | 0.7582% | 3,622 |
| Return on assets (ROA) | 0.7843% | 3,349 |
| Pretax return on assets | 0.9141% | 3,678 |
| Return on Equity (ROE) | 7.7866% | 3,158 |
| Retained earnings to average equity (ytd only) | 3.8020% | 2,765 |
| Net charge-offs to loans | 0.2024% | 4,181 |
| Credit loss provision to net charge-offs | 176.3859% | 2,874 |
| Earnings coverage of net charge-offs (x) | 9.3722% | 2,698 |
| Efficiency ratio | 76.7340% | 3,112 |
| Assets per employee ($millions) | 3.2276% | 5,407 |
| Cash dividends to net income (ytd only)* | 51.1727% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 2,048 |
| Loan loss allowance to noncurrent loans | 137.0525% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.9196% | 4,542 |
| Noncurrent loans to loans | 1.2067% | 4,100 |
| Net loans and leases to total assets | 59.3923% | 5,998 |
| Net loans and leases to deposits | 76.0813% | 5,585 |
| Net loans and leases to core deposits | 89.0529% | 5,886 |
| Total domestic deposits to total assets | 78.0643% | 5,697 |
| Equity capital to assets | 10.1116% | 3,907 |
| Core capital (leverage) ratio | 9.3258% | 4,263 |
| Tier 1 risk-based capital ratio | 12.4275% | 4,490 |
| Total risk-based capital ratio | 13.6788% | 4,387 |
| Memoranda: | ||
| Average total assets | $1,195,900,400 | 559 |
| Average earning assets | $1,072,154,000 | 570 |
| Average equity | $120,463,600 | 565 |
| Average total loans | $686,394,000 | 695 |