Home > The Suffolk County National Bank of Riverhead > Performance and Condition Ratios
The Suffolk County National Bank of Riverhead, 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 | 3.7229% | 4,036 |
| Cost of funding earning assets | 0.1735% | 5,206 |
| Net interest margin | 3.5494% | 3,088 |
| Noninterest income to average assets | 0.3203% | 4,260 |
| Noninterest expense to average assets | 7.3317% | 122 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -1.7976% | 5,813 |
| Return on assets (ROA) | -1.8539% | 5,815 |
| Pretax return on assets | -3.8114% | 5,838 |
| Return on Equity (ROE) | -18.6650% | 5,811 |
| Retained earnings to average equity (ytd only) | -20.3968% | 5,731 |
| Net charge-offs to loans | -0.0715% | 5,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 203.1940% | 16 |
| Assets per employee ($millions) | 8.0226% | 613 |
| Cash dividends to net income (ytd only)* | -9.2784% | 5,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,925 |
| Loan loss allowance to noncurrent loans | 374.2438% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 4,038 |
| Noncurrent loans to loans | 0.3294% | 3,935 |
| Net loans and leases to total assets | 78.1095% | 1,122 |
| Net loans and leases to deposits | 88.2223% | 1,767 |
| Net loans and leases to core deposits | 94.1659% | 1,975 |
| Total domestic deposits to total assets | 88.5372% | 1,402 |
| Equity capital to assets | 9.6543% | 4,119 |
| Core capital (leverage) ratio | 9.7683% | 3,792 |
| Tier 1 risk-based capital ratio | 12.6621% | 4,286 |
| Total risk-based capital ratio | 13.9125% | 4,189 |
| Memoranda: | ||
| Average total assets | $2,092,897,000 | 398 |
| Average earning assets | $1,938,683,500 | 389 |
| Average equity | $207,875,500 | 428 |
| Average total loans | $1,666,257,000 | 360 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8639% | 3,700 |
| Cost of funding earning assets | 0.1953% | 5,062 |
| Net interest margin | 3.6685% | 2,826 |
| Noninterest income to average assets | 0.3606% | 4,160 |
| Noninterest expense to average assets | 2.5330% | 3,908 |
| Loan and lease loss provision to assets | -0.0229% | 5,526 |
| Net operating income to assets | 0.8906% | 2,874 |
| Return on assets (ROA) | 0.9109% | 2,878 |
| Pretax return on assets | 1.2614% | 2,430 |
| Return on Equity (ROE) | 9.6731% | 2,119 |
| Retained earnings to average equity (ytd only) | 9.0982% | 570 |
| Net charge-offs to loans | 0.0040% | 4,110 |
| Credit loss provision to net charge-offs | -735.2941% | 5,251 |
| Earnings coverage of net charge-offs (x) | 388.2353% | 210 |
| Efficiency ratio | 67.6692% | 3,311 |
| Assets per employee ($millions) | 7.0645% | 895 |
| Cash dividends to net income (ytd only)* | 5.9430% | 4,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 3,127 |
| Loan loss allowance to noncurrent loans | 361.8165% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 4,085 |
| Noncurrent loans to loans | 0.3316% | 3,950 |
| Net loans and leases to total assets | 79.2140% | 1,001 |
| Net loans and leases to deposits | 90.1090% | 1,671 |
| Net loans and leases to core deposits | 96.0645% | 1,920 |
| Total domestic deposits to total assets | 87.9091% | 1,674 |
| Equity capital to assets | 10.2690% | 3,424 |
| Core capital (leverage) ratio | 10.2483% | 3,173 |
| Tier 1 risk-based capital ratio | 13.4192% | 3,822 |
| Total risk-based capital ratio | 14.6480% | 3,733 |
| Memoranda: | ||
| Average total assets | $2,181,476,400 | 373 |
| Average earning assets | $2,011,436,200 | 364 |
| Average equity | $205,435,800 | 423 |
| Average total loans | $1,707,655,200 | 340 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8632% | 3,724 |
| Cost of funding earning assets | 0.2005% | 5,061 |
| Net interest margin | 3.6627% | 2,851 |
| Noninterest income to average assets | 0.3574% | 4,225 |
| Noninterest expense to average assets | 2.4124% | 4,250 |
| Loan and lease loss provision to assets | -0.0060% | 5,640 |
| Net operating income to assets | 0.9523% | 2,641 |
| Return on assets (ROA) | 0.9761% | 2,670 |
| Pretax return on assets | 1.3556% | 2,215 |
| Return on Equity (ROE) | 10.5923% | 1,832 |
| Retained earnings to average equity (ytd only) | 9.8170% | 611 |
| Net charge-offs to loans | 0.0093% | 3,603 |
| Credit loss provision to net charge-offs | -83.3333% | 4,733 |
| Earnings coverage of net charge-offs (x) | 181.3538% | 400 |
| Efficiency ratio | 64.6945% | 3,819 |
| Assets per employee ($millions) | 7.0613% | 869 |
| Cash dividends to net income (ytd only)* | 7.3191% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 3,269 |
| Loan loss allowance to noncurrent loans | 324.0697% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 4,141 |
| Noncurrent loans to loans | 0.3688% | 3,943 |
| Net loans and leases to total assets | 77.0384% | 1,352 |
| Net loans and leases to deposits | 86.9671% | 2,143 |
| Net loans and leases to core deposits | 92.9082% | 2,289 |
| Total domestic deposits to total assets | 88.5834% | 1,112 |
| Equity capital to assets | 9.6791% | 4,485 |
| Core capital (leverage) ratio | 9.9426% | 3,640 |
| Tier 1 risk-based capital ratio | 12.6118% | 4,398 |
| Total risk-based capital ratio | 13.8118% | 4,343 |
| Memoranda: | ||
| Average total assets | $2,204,069,250 | 370 |
| Average earning assets | $2,028,857,500 | 366 |
| Average equity | $203,111,000 | 428 |
| Average total loans | $1,715,428,000 | 340 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 3,604 |
| Cost of funding earning assets | 0.2091% | 5,053 |
| Net interest margin | 3.6924% | 2,723 |
| Noninterest income to average assets | 0.3724% | 4,087 |
| Noninterest expense to average assets | 2.3949% | 4,351 |
| Loan and lease loss provision to assets | 0.0227% | 3,674 |
| Net operating income to assets | 0.9638% | 2,554 |
| Return on assets (ROA) | 0.9654% | 2,691 |
| Pretax return on assets | 1.3418% | 2,241 |
| Return on Equity (ROE) | 10.6541% | 1,784 |
| Retained earnings to average equity (ytd only) | 9.4728% | 727 |
| Net charge-offs to loans | -0.0035% | 4,458 |
| Credit loss provision to net charge-offs | -833.3333% | 5,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7414% | 4,066 |
| Assets per employee ($millions) | 6.6951% | 1,006 |
| Cash dividends to net income (ytd only)* | 11.0871% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 3,304 |
| Loan loss allowance to noncurrent loans | 303.9287% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3437% | 4,112 |
| Noncurrent loans to loans | 0.3981% | 3,934 |
| Net loans and leases to total assets | 77.9469% | 1,215 |
| Net loans and leases to deposits | 87.7452% | 2,027 |
| Net loans and leases to core deposits | 93.8269% | 2,185 |
| Total domestic deposits to total assets | 88.8332% | 997 |
| Equity capital to assets | 9.4627% | 4,806 |
| Core capital (leverage) ratio | 9.5468% | 4,142 |
| Tier 1 risk-based capital ratio | 11.9049% | 4,891 |
| Total risk-based capital ratio | 13.0992% | 4,821 |
| Memoranda: | ||
| Average total assets | $2,206,732,670 | 371 |
| Average earning assets | $2,022,864,330 | 368 |
| Average equity | $199,961,330 | 436 |
| Average total loans | $1,716,474,000 | 339 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8527% | 3,760 |
| Cost of funding earning assets | 0.2187% | 5,018 |
| Net interest margin | 3.6340% | 2,943 |
| Noninterest income to average assets | 0.3410% | 4,293 |
| Noninterest expense to average assets | 2.3737% | 4,443 |
| Loan and lease loss provision to assets | 0.0452% | 3,022 |
| Net operating income to assets | 0.8762% | 2,871 |
| Return on assets (ROA) | 0.8770% | 2,981 |
| Pretax return on assets | 1.2366% | 2,550 |
| Return on Equity (ROE) | 9.8958% | 2,029 |
| Retained earnings to average equity (ytd only) | 7.4841% | 1,671 |
| Net charge-offs to loans | 0.0012% | 3,076 |
| Credit loss provision to net charge-offs | 5,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 1,416.6000% | 28 |
| Efficiency ratio | 64.9530% | 3,984 |
| Assets per employee ($millions) | 6.6549% | 1,029 |
| Cash dividends to net income (ytd only)* | 24.3711% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 3,501 |
| Loan loss allowance to noncurrent loans | 299.0855% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 4,200 |
| Noncurrent loans to loans | 0.4002% | 3,997 |
| Net loans and leases to total assets | 76.5831% | 1,309 |
| Net loans and leases to deposits | 92.1813% | 1,325 |
| Net loans and leases to core deposits | 98.8620% | 1,573 |
| Total domestic deposits to total assets | 83.0788% | 3,866 |
| Equity capital to assets | 8.8135% | 5,333 |
| Core capital (leverage) ratio | 9.2989% | 4,492 |
| Tier 1 risk-based capital ratio | 11.2101% | 5,391 |
| Total risk-based capital ratio | 12.3832% | 5,342 |
| Memoranda: | ||
| Average total assets | $2,212,108,000 | 368 |
| Average earning assets | $2,016,975,500 | 368 |
| Average equity | $196,042,500 | 435 |
| Average total loans | $1,708,379,000 | 336 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 3,438 |
| Cost of funding earning assets | 0.1770% | 5,487 |
| Net interest margin | 3.7912% | 2,405 |
| Noninterest income to average assets | 0.4130% | 3,937 |
| Noninterest expense to average assets | 2.6863% | 3,625 |
| Loan and lease loss provision to assets | 0.0299% | 3,771 |
| Net operating income to assets | 0.8753% | 2,998 |
| Return on assets (ROA) | 0.8873% | 3,025 |
| Pretax return on assets | 1.1827% | 2,720 |
| Return on Equity (ROE) | 9.4481% | 2,245 |
| Retained earnings to average equity (ytd only) | 7.4489% | 1,112 |
| Net charge-offs to loans | -0.0592% | 5,605 |
| Credit loss provision to net charge-offs | -67.7966% | 5,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1805% | 3,371 |
| Assets per employee ($millions) | 6.4339% | 1,127 |
| Cash dividends to net income (ytd only)* | 21.1598% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 3,247 |
| Loan loss allowance to noncurrent loans | 374.1860% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 4,569 |
| Noncurrent loans to loans | 0.3314% | 4,271 |
| Net loans and leases to total assets | 75.9808% | 1,422 |
| Net loans and leases to deposits | 92.3648% | 1,360 |
| Net loans and leases to core deposits | 98.9880% | 1,595 |
| Total domestic deposits to total assets | 82.2616% | 4,094 |
| Equity capital to assets | 8.9129% | 5,207 |
| Core capital (leverage) ratio | 9.5814% | 4,073 |
| Tier 1 risk-based capital ratio | 11.4529% | 5,279 |
| Total risk-based capital ratio | 12.6626% | 5,205 |
| Memoranda: | ||
| Average total assets | $2,003,819,600 | 380 |
| Average earning assets | $1,834,083,400 | 377 |
| Average equity | $188,175,000 | 436 |
| Average total loans | $1,495,010,800 | 353 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 3,326 |
| Cost of funding earning assets | 0.1675% | 5,652 |
| Net interest margin | 3.8351% | 2,248 |
| Noninterest income to average assets | 0.4245% | 3,904 |
| Noninterest expense to average assets | 2.6394% | 3,751 |
| Loan and lease loss provision to assets | 0.0408% | 3,391 |
| Net operating income to assets | 0.9429% | 2,744 |
| Return on assets (ROA) | 0.9592% | 2,759 |
| Pretax return on assets | 1.2791% | 2,475 |
| Return on Equity (ROE) | 10.0726% | 2,075 |
| Retained earnings to average equity (ytd only) | 8.2300% | 1,148 |
| Net charge-offs to loans | -0.0473% | 5,531 |
| Credit loss provision to net charge-offs | -116.5049% | 5,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0301% | 3,706 |
| Assets per employee ($millions) | 6.1871% | 1,249 |
| Cash dividends to net income (ytd only)* | 18.2932% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 3,080 |
| Loan loss allowance to noncurrent loans | 270.8306% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 4,314 |
| Noncurrent loans to loans | 0.4808% | 3,920 |
| Net loans and leases to total assets | 74.5205% | 1,634 |
| Net loans and leases to deposits | 85.6226% | 2,190 |
| Net loans and leases to core deposits | 92.1738% | 2,242 |
| Total domestic deposits to total assets | 87.0337% | 2,025 |
| Equity capital to assets | 9.3434% | 4,946 |
| Core capital (leverage) ratio | 9.7760% | 3,930 |
| Tier 1 risk-based capital ratio | 11.7728% | 5,224 |
| Total risk-based capital ratio | 13.0101% | 5,152 |
| Memoranda: | ||
| Average total assets | $1,962,720,250 | 388 |
| Average earning assets | $1,797,941,750 | 386 |
| Average equity | $186,905,750 | 441 |
| Average total loans | $1,451,735,250 | 364 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 3,100 |
| Cost of funding earning assets | 0.1618% | 5,763 |
| Net interest margin | 3.8834% | 2,038 |
| Noninterest income to average assets | 0.4102% | 4,005 |
| Noninterest expense to average assets | 2.7207% | 3,525 |
| Loan and lease loss provision to assets | 0.0259% | 3,615 |
| Net operating income to assets | 0.9355% | 2,710 |
| Return on assets (ROA) | 0.9501% | 2,751 |
| Pretax return on assets | 1.2447% | 2,572 |
| Return on Equity (ROE) | 9.9108% | 2,115 |
| Retained earnings to average equity (ytd only) | 8.3907% | 1,121 |
| Net charge-offs to loans | -0.0849% | 5,726 |
| Credit loss provision to net charge-offs | -41.5973% | 4,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4955% | 3,595 |
| Assets per employee ($millions) | 5.9638% | 1,386 |
| Cash dividends to net income (ytd only)* | 15.3384% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 2,961 |
| Loan loss allowance to noncurrent loans | 362.6515% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 4,769 |
| Noncurrent loans to loans | 0.3736% | 4,371 |
| Net loans and leases to total assets | 73.0635% | 1,809 |
| Net loans and leases to deposits | 84.8310% | 2,205 |
| Net loans and leases to core deposits | 91.7500% | 2,178 |
| Total domestic deposits to total assets | 86.1283% | 2,623 |
| Equity capital to assets | 9.4218% | 4,751 |
| Core capital (leverage) ratio | 9.9478% | 3,685 |
| Tier 1 risk-based capital ratio | 11.8318% | 5,259 |
| Total risk-based capital ratio | 13.0818% | 5,155 |
| Memoranda: | ||
| Average total assets | $1,928,134,330 | 396 |
| Average earning assets | $1,768,469,000 | 391 |
| Average equity | $184,848,000 | 448 |
| Average total loans | $1,415,558,670 | 367 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 3,452 |
| Cost of funding earning assets | 0.1550% | 5,891 |
| Net interest margin | 3.7866% | 2,273 |
| Noninterest income to average assets | 0.4363% | 3,720 |
| Noninterest expense to average assets | 2.7586% | 3,392 |
| Loan and lease loss provision to assets | 0.0528% | 2,889 |
| Net operating income to assets | 0.8498% | 3,010 |
| Return on assets (ROA) | 0.8540% | 3,107 |
| Pretax return on assets | 1.1200% | 2,996 |
| Return on Equity (ROE) | 8.8275% | 2,531 |
| Retained earnings to average equity (ytd only) | 7.2987% | 1,859 |
| Net charge-offs to loans | 0.0361% | 2,488 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 44.2000% | 911 |
| Efficiency ratio | 70.2669% | 3,434 |
| Assets per employee ($millions) | 5.6805% | 1,641 |
| Cash dividends to net income (ytd only)* | 17.3182% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 2,940 |
| Loan loss allowance to noncurrent loans | 157.2161% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 3,556 |
| Noncurrent loans to loans | 0.8875% | 3,027 |
| Net loans and leases to total assets | 72.1966% | 1,775 |
| Net loans and leases to deposits | 85.7287% | 1,863 |
| Net loans and leases to core deposits | 93.1089% | 1,839 |
| Total domestic deposits to total assets | 84.2153% | 3,730 |
| Equity capital to assets | 9.8004% | 4,385 |
| Core capital (leverage) ratio | 10.0170% | 3,575 |
| Tier 1 risk-based capital ratio | 12.3831% | 4,985 |
| Total risk-based capital ratio | 13.6339% | 4,897 |
| Memoranda: | ||
| Average total assets | $1,893,271,000 | 401 |
| Average earning assets | $1,744,797,500 | 395 |
| Average equity | $183,155,000 | 453 |
| Average total loans | $1,383,459,000 | 371 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 3,680 |
| Cost of funding earning assets | 0.1554% | 6,066 |
| Net interest margin | 3.8580% | 2,402 |
| Noninterest income to average assets | 0.6022% | 2,847 |
| Noninterest expense to average assets | 2.9824% | 2,895 |
| Loan and lease loss provision to assets | 0.0564% | 3,421 |
| Net operating income to assets | 0.8990% | 2,877 |
| Return on assets (ROA) | 0.8998% | 2,964 |
| Pretax return on assets | 1.0911% | 3,119 |
| Return on Equity (ROE) | 9.0663% | 2,553 |
| Retained earnings to average equity (ytd only) | 8.2708% | 923 |
| Net charge-offs to loans | -0.0776% | 6,052 |
| Credit loss provision to net charge-offs | -106.7236% | 5,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2331% | 3,165 |
| Assets per employee ($millions) | 5.6905% | 1,613 |
| Cash dividends to net income (ytd only)* | 8.7741% | 4,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 3,002 |
| Loan loss allowance to noncurrent loans | 147.9085% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.6850% | 3,519 |
| Noncurrent loans to loans | 0.9393% | 2,973 |
| Net loans and leases to total assets | 71.9136% | 1,925 |
| Net loans and leases to deposits | 87.5009% | 1,790 |
| Net loans and leases to core deposits | 94.8507% | 1,831 |
| Total domestic deposits to total assets | 82.1862% | 4,356 |
| Equity capital to assets | 9.5478% | 4,660 |
| Core capital (leverage) ratio | 9.9558% | 3,638 |
| Tier 1 risk-based capital ratio | 12.0038% | 5,366 |
| Total risk-based capital ratio | 13.2542% | 5,265 |
| Memoranda: | ||
| Average total assets | $1,773,199,600 | 408 |
| Average earning assets | $1,620,912,600 | 403 |
| Average equity | $175,991,600 | 450 |
| Average total loans | $1,207,816,600 | 389 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 3,560 |
| Cost of funding earning assets | 0.1578% | 6,137 |
| Net interest margin | 3.8921% | 2,275 |
| Noninterest income to average assets | 0.6354% | 2,650 |
| Noninterest expense to average assets | 3.0024% | 2,792 |
| Loan and lease loss provision to assets | 0.0574% | 3,219 |
| Net operating income to assets | 0.8854% | 2,984 |
| Return on assets (ROA) | 0.8846% | 3,094 |
| Pretax return on assets | 1.1236% | 3,097 |
| Return on Equity (ROE) | 8.8219% | 2,774 |
| Retained earnings to average equity (ytd only) | 8.2878% | 1,228 |
| Net charge-offs to loans | -0.0901% | 6,108 |
| Credit loss provision to net charge-offs | -95.2986% | 5,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7538% | 3,227 |
| Assets per employee ($millions) | 5.4643% | 1,757 |
| Cash dividends to net income (ytd only)* | 6.0538% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4896% | 2,772 |
| Loan loss allowance to noncurrent loans | 128.2926% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 3,381 |
| Noncurrent loans to loans | 1.1611% | 2,740 |
| Net loans and leases to total assets | 69.3674% | 2,296 |
| Net loans and leases to deposits | 78.6046% | 2,878 |
| Net loans and leases to core deposits | 85.1675% | 2,757 |
| Total domestic deposits to total assets | 88.2486% | 1,633 |
| Equity capital to assets | 10.1193% | 4,028 |
| Core capital (leverage) ratio | 10.1145% | 3,513 |
| Tier 1 risk-based capital ratio | 12.7220% | 5,027 |
| Total risk-based capital ratio | 13.9733% | 4,932 |
| Memoranda: | ||
| Average total assets | $1,742,763,750 | 410 |
| Average earning assets | $1,589,131,250 | 404 |
| Average equity | $174,758,000 | 446 |
| Average total loans | $1,164,290,250 | 398 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0892% | 3,392 |
| Cost of funding earning assets | 0.1612% | 6,188 |
| Net interest margin | 3.9280% | 2,053 |
| Noninterest income to average assets | 0.6712% | 2,424 |
| Noninterest expense to average assets | 3.0263% | 2,740 |
| Loan and lease loss provision to assets | 0.0579% | 3,132 |
| Net operating income to assets | 0.9019% | 2,788 |
| Return on assets (ROA) | 0.8999% | 2,902 |
| Pretax return on assets | 1.1573% | 2,844 |
| Return on Equity (ROE) | 9.0023% | 2,599 |
| Retained earnings to average equity (ytd only) | 9.0023% | 987 |
| Net charge-offs to loans | -0.1264% | 6,215 |
| Credit loss provision to net charge-offs | -69.9301% | 5,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3046% | 3,454 |
| Assets per employee ($millions) | 5.2830% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 2,692 |
| Loan loss allowance to noncurrent loans | 132.8301% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.7884% | 3,597 |
| Noncurrent loans to loans | 1.1631% | 2,900 |
| Net loans and leases to total assets | 66.7377% | 2,635 |
| Net loans and leases to deposits | 75.0604% | 3,187 |
| Net loans and leases to core deposits | 81.4307% | 3,043 |
| Total domestic deposits to total assets | 88.9120% | 1,408 |
| Equity capital to assets | 10.1372% | 3,921 |
| Core capital (leverage) ratio | 10.1919% | 3,358 |
| Tier 1 risk-based capital ratio | 13.1866% | 4,796 |
| Total risk-based capital ratio | 14.4385% | 4,724 |
| Memoranda: | ||
| Average total assets | $1,726,257,330 | 413 |
| Average earning assets | $1,570,272,670 | 406 |
| Average equity | $172,555,330 | 446 |
| Average total loans | $1,131,700,000 | 410 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 3,253 |
| Cost of funding earning assets | 0.1642% | 6,273 |
| Net interest margin | 3.9426% | 1,948 |
| Noninterest income to average assets | 0.7245% | 2,062 |
| Noninterest expense to average assets | 3.0800% | 2,590 |
| Loan and lease loss provision to assets | 0.0586% | 2,945 |
| Net operating income to assets | 0.9040% | 2,628 |
| Return on assets (ROA) | 0.9040% | 2,699 |
| Pretax return on assets | 1.1704% | 2,613 |
| Return on Equity (ROE) | 9.1100% | 2,410 |
| Retained earnings to average equity (ytd only) | 9.1100% | 1,215 |
| Net charge-offs to loans | -0.0815% | 6,042 |
| Credit loss provision to net charge-offs | -111.6071% | 4,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4791% | 3,582 |
| Assets per employee ($millions) | 4.9570% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 2,835 |
| Loan loss allowance to noncurrent loans | 126.1612% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.8197% | 3,685 |
| Noncurrent loans to loans | 1.2442% | 2,964 |
| Net loans and leases to total assets | 64.8509% | 2,750 |
| Net loans and leases to deposits | 72.9818% | 3,205 |
| Net loans and leases to core deposits | 79.0596% | 3,085 |
| Total domestic deposits to total assets | 88.8590% | 1,746 |
| Equity capital to assets | 10.0792% | 3,748 |
| Core capital (leverage) ratio | 10.2043% | 3,286 |
| Tier 1 risk-based capital ratio | 13.4795% | 4,699 |
| Total risk-based capital ratio | 14.7315% | 4,640 |
| Memoranda: | ||
| Average total assets | $1,707,133,000 | 414 |
| Average earning assets | $1,552,086,000 | 410 |
| Average equity | $169,397,000 | 453 |
| Average total loans | $1,099,515,500 | 419 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 4,310 |
| Cost of funding earning assets | 0.1936% | 6,321 |
| Net interest margin | 3.7495% | 2,849 |
| Noninterest income to average assets | 1.1498% | 1,066 |
| Noninterest expense to average assets | 3.4956% | 1,663 |
| Loan and lease loss provision to assets | 0.0754% | 3,597 |
| Net operating income to assets | 0.7711% | 3,440 |
| Return on assets (ROA) | 0.7898% | 3,449 |
| Pretax return on assets | 1.0271% | 3,236 |
| Return on Equity (ROE) | 8.0618% | 3,009 |
| Retained earnings to average equity (ytd only) | 8.0618% | 1,033 |
| Net charge-offs to loans | 0.1933% | 2,922 |
| Credit loss provision to net charge-offs | 70.7014% | 3,291 |
| Earnings coverage of net charge-offs (x) | 10.1069% | 2,418 |
| Efficiency ratio | 76.4274% | 2,716 |
| Assets per employee ($millions) | 4.8547% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6148% | 2,701 |
| Loan loss allowance to noncurrent loans | 113.6995% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.8936% | 3,655 |
| Noncurrent loans to loans | 1.4203% | 2,757 |
| Net loans and leases to total assets | 61.8993% | 3,383 |
| Net loans and leases to deposits | 69.6223% | 3,826 |
| Net loans and leases to core deposits | 75.1354% | 3,713 |
| Total domestic deposits to total assets | 88.9074% | 1,689 |
| Equity capital to assets | 9.7651% | 4,082 |
| Core capital (leverage) ratio | 9.7399% | 3,923 |
| Tier 1 risk-based capital ratio | 13.6707% | 4,538 |
| Total risk-based capital ratio | 14.9230% | 4,486 |
| Memoranda: | ||
| Average total assets | $1,657,363,600 | 417 |
| Average earning assets | $1,513,494,400 | 409 |
| Average equity | $162,369,800 | 462 |
| Average total loans | $914,851,600 | 462 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8658% | 4,618 |
| Cost of funding earning assets | 0.1988% | 6,404 |
| Net interest margin | 3.6670% | 3,164 |
| Noninterest income to average assets | 0.9653% | 1,563 |
| Noninterest expense to average assets | 3.3324% | 1,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7552% | 3,579 |
| Return on assets (ROA) | 0.7795% | 3,588 |
| Pretax return on assets | 1.0214% | 3,414 |
| Return on Equity (ROE) | 7.9495% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.9495% | 1,425 |
| Net charge-offs to loans | 0.0246% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 75.4460% | 626 |
| Efficiency ratio | 77.1059% | 2,542 |
| Assets per employee ($millions) | 4.8991% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7620% | 2,416 |
| Loan loss allowance to noncurrent loans | 78.0396% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.3092% | 3,033 |
| Noncurrent loans to loans | 2.2578% | 1,944 |
| Net loans and leases to total assets | 56.9638% | 4,176 |
| Net loans and leases to deposits | 63.8767% | 4,534 |
| Net loans and leases to core deposits | 69.1820% | 4,411 |
| Total domestic deposits to total assets | 89.1777% | 1,463 |
| Equity capital to assets | 9.3056% | 4,798 |
| Core capital (leverage) ratio | 9.5891% | 4,266 |
| Tier 1 risk-based capital ratio | 13.8459% | 4,537 |
| Total risk-based capital ratio | 15.0994% | 4,490 |
| Memoranda: | ||
| Average total assets | $1,646,918,000 | 420 |
| Average earning assets | $1,507,494,750 | 413 |
| Average equity | $161,481,250 | 470 |
| Average total loans | $876,308,750 | 473 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8950% | 4,499 |
| Cost of funding earning assets | 0.2035% | 6,456 |
| Net interest margin | 3.6916% | 2,988 |
| Noninterest income to average assets | 0.6591% | 2,861 |
| Noninterest expense to average assets | 3.2381% | 2,246 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6531% | 4,047 |
| Return on assets (ROA) | 0.6918% | 4,015 |
| Pretax return on assets | 0.8608% | 4,065 |
| Return on Equity (ROE) | 6.9300% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.9300% | 1,916 |
| Net charge-offs to loans | 0.1169% | 3,196 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 13.4939% | 1,900 |
| Efficiency ratio | 79.9427% | 2,164 |
| Assets per employee ($millions) | 4.6156% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9285% | 2,024 |
| Loan loss allowance to noncurrent loans | 100.6402% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.0428% | 3,662 |
| Noncurrent loans to loans | 1.9162% | 2,487 |
| Net loans and leases to total assets | 53.3704% | 4,685 |
| Net loans and leases to deposits | 59.9853% | 4,981 |
| Net loans and leases to core deposits | 65.5623% | 4,734 |
| Total domestic deposits to total assets | 88.9725% | 1,646 |
| Equity capital to assets | 9.5824% | 4,472 |
| Core capital (leverage) ratio | 9.6933% | 3,944 |
| Tier 1 risk-based capital ratio | 14.6354% | 4,011 |
| Total risk-based capital ratio | 15.8902% | 3,967 |
| Memoranda: | ||
| Average total assets | $1,621,067,330 | 427 |
| Average earning assets | $1,489,286,000 | 417 |
| Average equity | $161,817,330 | 466 |
| Average total loans | $835,097,670 | 497 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8799% | 4,551 |
| Cost of funding earning assets | 0.2063% | 6,546 |
| Net interest margin | 3.6736% | 2,973 |
| Noninterest income to average assets | 0.7362% | 2,398 |
| Noninterest expense to average assets | 3.4133% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6119% | 4,161 |
| Return on assets (ROA) | 0.6869% | 3,901 |
| Pretax return on assets | 0.8148% | 4,114 |
| Return on Equity (ROE) | 6.7433% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.7433% | 2,286 |
| Net charge-offs to loans | -0.0264% | 5,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4707% | 1,969 |
| Assets per employee ($millions) | 4.3776% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1567% | 1,672 |
| Loan loss allowance to noncurrent loans | 123.6755% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.9283% | 4,071 |
| Noncurrent loans to loans | 1.7439% | 2,937 |
| Net loans and leases to total assets | 50.7746% | 4,883 |
| Net loans and leases to deposits | 57.6141% | 5,084 |
| Net loans and leases to core deposits | 63.2787% | 4,819 |
| Total domestic deposits to total assets | 88.1287% | 2,238 |
| Equity capital to assets | 10.3267% | 3,763 |
| Core capital (leverage) ratio | 9.7697% | 3,698 |
| Tier 1 risk-based capital ratio | 16.2766% | 3,117 |
| Total risk-based capital ratio | 17.5348% | 3,066 |
| Memoranda: | ||
| Average total assets | $1,607,717,500 | 435 |
| Average earning assets | $1,489,129,000 | 423 |
| Average equity | $163,778,000 | 469 |
| Average total loans | $804,290,000 | 512 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2765% | 4,293 |
| Cost of funding earning assets | 0.2631% | 6,618 |
| Net interest margin | 4.0134% | 2,348 |
| Noninterest income to average assets | 0.7189% | 2,622 |
| Noninterest expense to average assets | 3.9583% | 1,022 |
| Loan and lease loss provision to assets | 0.5509% | 1,039 |
| Net operating income to assets | -0.0802% | 6,268 |
| Return on assets (ROA) | -0.0901% | 6,381 |
| Pretax return on assets | -0.1278% | 6,382 |
| Return on Equity (ROE) | -0.9557% | 6,382 |
| Retained earnings to average equity (ytd only) | -0.9557% | 6,009 |
| Net charge-offs to loans | 3.5503% | 102 |
| Credit loss provision to net charge-offs | 27.7081% | 5,160 |
| Earnings coverage of net charge-offs (x) | 0.2199% | 5,369 |
| Efficiency ratio | 90.0546% | 1,066 |
| Assets per employee ($millions) | 4.3485% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2747% | 1,405 |
| Loan loss allowance to noncurrent loans | 102.5314% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 1.1661% | 3,711 |
| Noncurrent loans to loans | 2.2185% | 2,440 |
| Net loans and leases to total assets | 47.0965% | 5,504 |
| Net loans and leases to deposits | 53.3592% | 5,710 |
| Net loans and leases to core deposits | 57.9693% | 5,543 |
| Total domestic deposits to total assets | 88.2631% | 2,056 |
| Equity capital to assets | 10.0497% | 4,103 |
| Core capital (leverage) ratio | 9.7354% | 3,756 |
| Tier 1 risk-based capital ratio | 16.7866% | 2,752 |
| Total risk-based capital ratio | 18.0459% | 2,713 |
| Memoranda: | ||
| Average total assets | $1,542,975,800 | 438 |
| Average earning assets | $1,413,474,000 | 429 |
| Average equity | $145,442,400 | 499 |
| Average total loans | $864,074,400 | 474 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 4,035 |
| Cost of funding earning assets | 0.2758% | 6,713 |
| Net interest margin | 4.1271% | 1,993 |
| Noninterest income to average assets | 0.6471% | 3,008 |
| Noninterest expense to average assets | 4.0504% | 872 |
| Loan and lease loss provision to assets | 0.8403% | 550 |
| Net operating income to assets | -0.3040% | 6,575 |
| Return on assets (ROA) | -0.3134% | 6,640 |
| Pretax return on assets | -0.4728% | 6,693 |
| Return on Equity (ROE) | -3.3840% | 6,642 |
| Retained earnings to average equity (ytd only) | -3.3840% | 6,508 |
| Net charge-offs to loans | 4.3008% | 67 |
| Credit loss provision to net charge-offs | 33.6405% | 4,732 |
| Earnings coverage of net charge-offs (x) | 0.1528% | 5,257 |
| Efficiency ratio | 91.3890% | 931 |
| Assets per employee ($millions) | 4.2511% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7174% | 963 |
| Loan loss allowance to noncurrent loans | 98.4314% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.4616% | 3,409 |
| Noncurrent loans to loans | 2.7607% | 2,048 |
| Net loans and leases to total assets | 47.9741% | 5,549 |
| Net loans and leases to deposits | 54.7759% | 5,740 |
| Net loans and leases to core deposits | 59.8121% | 5,577 |
| Total domestic deposits to total assets | 87.5824% | 2,302 |
| Equity capital to assets | 9.8371% | 4,729 |
| Core capital (leverage) ratio | 9.6532% | 4,043 |
| Tier 1 risk-based capital ratio | 16.8453% | 2,811 |
| Total risk-based capital ratio | 18.1096% | 2,761 |
| Memoranda: | ||
| Average total assets | $1,523,219,500 | 440 |
| Average earning assets | $1,396,926,500 | 435 |
| Average equity | $141,051,250 | 515 |
| Average total loans | $884,671,250 | 465 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4930% | 3,800 |
| Cost of funding earning assets | 0.2895% | 6,769 |
| Net interest margin | 4.2036% | 1,739 |
| Noninterest income to average assets | 0.6151% | 3,168 |
| Noninterest expense to average assets | 3.7930% | 1,226 |
| Loan and lease loss provision to assets | -0.3183% | 7,181 |
| Net operating income to assets | 0.7238% | 3,736 |
| Return on assets (ROA) | 0.7236% | 4,014 |
| Pretax return on assets | 0.9977% | 3,717 |
| Return on Equity (ROE) | 7.9864% | 3,270 |
| Retained earnings to average equity (ytd only) | 7.9864% | 1,644 |
| Net charge-offs to loans | 1.8077% | 489 |
| Credit loss provision to net charge-offs | -28.8081% | 5,963 |
| Earnings coverage of net charge-offs (x) | 0.6152% | 4,758 |
| Efficiency ratio | 84.8040% | 1,555 |
| Assets per employee ($millions) | 4.2686% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4155% | 532 |
| Loan loss allowance to noncurrent loans | 47.4626% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 4.0917% | 1,230 |
| Noncurrent loans to loans | 7.1961% | 530 |
| Net loans and leases to total assets | 53.0473% | 4,955 |
| Net loans and leases to deposits | 59.8034% | 5,255 |
| Net loans and leases to core deposits | 65.4116% | 5,064 |
| Total domestic deposits to total assets | 88.7028% | 1,705 |
| Equity capital to assets | 8.8882% | 5,821 |
| Core capital (leverage) ratio | 8.8770% | 5,082 |
| Tier 1 risk-based capital ratio | 14.2928% | 4,244 |
| Total risk-based capital ratio | 15.5665% | 4,192 |
| Memoranda: | ||
| Average total assets | $1,508,074,000 | 447 |
| Average earning assets | $1,383,972,330 | 438 |
| Average equity | $136,631,670 | 527 |
| Average total loans | $921,705,330 | 450 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4672% | 4,042 |
| Cost of funding earning assets | 0.3036% | 6,831 |
| Net interest margin | 4.1636% | 1,875 |
| Noninterest income to average assets | 0.6090% | 3,172 |
| Noninterest expense to average assets | 3.8849% | 1,084 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3668% | 5,398 |
| Return on assets (ROA) | 0.3663% | 5,581 |
| Pretax return on assets | 0.5553% | 5,257 |
| Return on Equity (ROE) | 4.0028% | 5,293 |
| Retained earnings to average equity (ytd only) | 4.0028% | 4,186 |
| Net charge-offs to loans | -0.0209% | 6,199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4772% | 1,343 |
| Assets per employee ($millions) | 3.9633% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2574% | 305 |
| Loan loss allowance to noncurrent loans | 48.1143% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 5.7311% | 839 |
| Noncurrent loans to loans | 8.8484% | 400 |
| Net loans and leases to total assets | 60.6986% | 3,512 |
| Net loans and leases to deposits | 68.6028% | 3,948 |
| Net loans and leases to core deposits | 75.5975% | 3,673 |
| Total domestic deposits to total assets | 88.4783% | 2,020 |
| Equity capital to assets | 9.1393% | 5,309 |
| Core capital (leverage) ratio | 8.7311% | 5,248 |
| Tier 1 risk-based capital ratio | 13.0979% | 5,132 |
| Total risk-based capital ratio | 14.3831% | 5,078 |
| Memoranda: | ||
| Average total assets | $1,483,091,000 | 452 |
| Average earning assets | $1,364,962,000 | 445 |
| Average equity | $135,706,500 | 526 |
| Average total loans | $954,695,500 | 435 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2074% | 2,026 |
| Cost of funding earning assets | 0.4087% | 6,865 |
| Net interest margin | 4.7987% | 624 |
| Noninterest income to average assets | 0.6046% | 3,140 |
| Noninterest expense to average assets | 3.7616% | 1,422 |
| Loan and lease loss provision to assets | 1.5918% | 446 |
| Net operating income to assets | -0.0062% | 6,049 |
| Return on assets (ROA) | 0.0183% | 6,125 |
| Pretax return on assets | -0.2524% | 6,322 |
| Return on Equity (ROE) | 0.2113% | 6,117 |
| Retained earnings to average equity (ytd only) | 0.2113% | 5,740 |
| Net charge-offs to loans | 1.2658% | 1,310 |
| Credit loss provision to net charge-offs | 186.7800% | 1,385 |
| Earnings coverage of net charge-offs (x) | 1.5268% | 4,634 |
| Efficiency ratio | 74.2813% | 3,178 |
| Assets per employee ($millions) | 4.0323% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1208% | 348 |
| Loan loss allowance to noncurrent loans | 49.4775% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 5.5637% | 917 |
| Noncurrent loans to loans | 8.3287% | 466 |
| Net loans and leases to total assets | 62.6525% | 3,481 |
| Net loans and leases to deposits | 70.8460% | 3,976 |
| Net loans and leases to core deposits | 76.9854% | 3,828 |
| Total domestic deposits to total assets | 88.4348% | 1,889 |
| Equity capital to assets | 9.1612% | 5,340 |
| Core capital (leverage) ratio | 8.8078% | 5,087 |
| Tier 1 risk-based capital ratio | 12.9263% | 5,135 |
| Total risk-based capital ratio | 14.2095% | 5,079 |
| Memoranda: | ||
| Average total assets | $1,560,330,600 | 426 |
| Average earning assets | $1,449,629,000 | 412 |
| Average equity | $134,855,400 | 513 |
| Average total loans | $1,050,580,400 | 403 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2634% | 1,982 |
| Cost of funding earning assets | 0.4374% | 6,918 |
| Net interest margin | 4.8260% | 596 |
| Noninterest income to average assets | 0.5935% | 3,213 |
| Noninterest expense to average assets | 3.6708% | 1,563 |
| Loan and lease loss provision to assets | 2.0292% | 262 |
| Net operating income to assets | -0.1710% | 6,354 |
| Return on assets (ROA) | -0.0821% | 6,350 |
| Pretax return on assets | -0.4664% | 6,600 |
| Return on Equity (ROE) | -0.9639% | 6,375 |
| Retained earnings to average equity (ytd only) | -0.9639% | 6,149 |
| Net charge-offs to loans | 1.0911% | 1,457 |
| Credit loss provision to net charge-offs | 274.3125% | 1,044 |
| Earnings coverage of net charge-offs (x) | 1.9249% | 4,209 |
| Efficiency ratio | 72.0279% | 3,547 |
| Assets per employee ($millions) | 4.1598% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3137% | 307 |
| Loan loss allowance to noncurrent loans | 47.4553% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 6.1657% | 855 |
| Noncurrent loans to loans | 9.0900% | 422 |
| Net loans and leases to total assets | 63.6589% | 3,383 |
| Net loans and leases to deposits | 71.5971% | 4,045 |
| Net loans and leases to core deposits | 78.5043% | 3,828 |
| Total domestic deposits to total assets | 88.9126% | 1,477 |
| Equity capital to assets | 9.1616% | 5,570 |
| Core capital (leverage) ratio | 8.4988% | 5,714 |
| Tier 1 risk-based capital ratio | 12.5332% | 5,463 |
| Total risk-based capital ratio | 13.8188% | 5,422 |
| Memoranda: | ||
| Average total assets | $1,579,439,750 | 421 |
| Average earning assets | $1,473,156,750 | 404 |
| Average equity | $134,583,750 | 521 |
| Average total loans | $1,070,811,750 | 398 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3575% | 1,702 |
| Cost of funding earning assets | 0.4859% | 6,889 |
| Net interest margin | 4.8716% | 519 |
| Noninterest income to average assets | 0.5855% | 3,227 |
| Noninterest expense to average assets | 3.5784% | 1,791 |
| Loan and lease loss provision to assets | 2.9014% | 163 |
| Net operating income to assets | -0.6447% | 6,784 |
| Return on assets (ROA) | -0.5130% | 6,729 |
| Pretax return on assets | -1.1471% | 6,944 |
| Return on Equity (ROE) | -6.1677% | 6,791 |
| Retained earnings to average equity (ytd only) | -6.1677% | 6,670 |
| Net charge-offs to loans | 0.3110% | 3,320 |
| Credit loss provision to net charge-offs | 1,368.0236% | 255 |
| Earnings coverage of net charge-offs (x) | 7.3009% | 2,247 |
| Efficiency ratio | 69.7638% | 4,159 |
| Assets per employee ($millions) | 4.2477% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7119% | 232 |
| Loan loss allowance to noncurrent loans | 85.1709% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 3.8328% | 1,690 |
| Noncurrent loans to loans | 5.5323% | 1,139 |
| Net loans and leases to total assets | 64.0495% | 3,449 |
| Net loans and leases to deposits | 71.2941% | 4,235 |
| Net loans and leases to core deposits | 79.0562% | 3,922 |
| Total domestic deposits to total assets | 89.8384% | 1,054 |
| Equity capital to assets | 8.5244% | 6,154 |
| Core capital (leverage) ratio | 7.9817% | 6,321 |
| Tier 1 risk-based capital ratio | 11.5934% | 6,098 |
| Total risk-based capital ratio | 12.8834% | 6,059 |
| Memoranda: | ||
| Average total assets | $1,598,425,670 | 421 |
| Average earning assets | $1,490,060,670 | 405 |
| Average equity | $132,950,670 | 525 |
| Average total loans | $1,090,119,670 | 399 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4139% | 1,514 |
| Cost of funding earning assets | 0.5094% | 6,942 |
| Net interest margin | 4.9044% | 458 |
| Noninterest income to average assets | 0.5519% | 3,495 |
| Noninterest expense to average assets | 3.4011% | 2,280 |
| Loan and lease loss provision to assets | 4.9627% | 62 |
| Net operating income to assets | -1.8607% | 7,262 |
| Return on assets (ROA) | -1.8607% | 7,260 |
| Pretax return on assets | -3.2379% | 7,396 |
| Return on Equity (ROE) | -22.6466% | 7,250 |
| Retained earnings to average equity (ytd only) | -22.6466% | 7,202 |
| Net charge-offs to loans | 0.3072% | 2,815 |
| Credit loss provision to net charge-offs | 2,352.2968% | 168 |
| Earnings coverage of net charge-offs (x) | 8.1755% | 1,850 |
| Efficiency ratio | 66.3176% | 4,983 |
| Assets per employee ($millions) | 4.3240% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3264% | 339 |
| Loan loss allowance to noncurrent loans | 98.3491% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 3.1992% | 2,152 |
| Noncurrent loans to loans | 4.3991% | 1,601 |
| Net loans and leases to total assets | 65.1814% | 3,206 |
| Net loans and leases to deposits | 74.1518% | 3,734 |
| Net loans and leases to core deposits | 82.4663% | 3,387 |
| Total domestic deposits to total assets | 87.9027% | 2,426 |
| Equity capital to assets | 8.0614% | 6,436 |
| Core capital (leverage) ratio | 7.9030% | 6,361 |
| Tier 1 risk-based capital ratio | 10.9675% | 6,531 |
| Total risk-based capital ratio | 12.2520% | 6,491 |
| Memoranda: | ||
| Average total assets | $1,609,697,000 | 423 |
| Average earning assets | $1,501,252,500 | 404 |
| Average equity | $132,258,500 | 524 |
| Average total loans | $1,105,551,500 | 395 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4663% | 2,413 |
| Cost of funding earning assets | 0.6152% | 7,094 |
| Net interest margin | 4.8510% | 603 |
| Noninterest income to average assets | 0.6460% | 3,178 |
| Noninterest expense to average assets | 3.0188% | 3,777 |
| Loan and lease loss provision to assets | 1.9138% | 704 |
| Net operating income to assets | 0.3586% | 4,713 |
| Return on assets (ROA) | 0.3809% | 4,778 |
| Pretax return on assets | 0.2968% | 5,239 |
| Return on Equity (ROE) | 4.6176% | 4,242 |
| Retained earnings to average equity (ytd only) | -1.0317% | 5,809 |
| Net charge-offs to loans | 1.3981% | 1,592 |
| Credit loss provision to net charge-offs | 200.2181% | 1,559 |
| Earnings coverage of net charge-offs (x) | 2.2893% | 4,010 |
| Efficiency ratio | 57.9437% | 6,342 |
| Assets per employee ($millions) | 4.3420% | 3,126 |
| Cash dividends to net income (ytd only)* | 122.3421% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5549% | 1,338 |
| Loan loss allowance to noncurrent loans | 97.9931% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 2.1611% | 3,143 |
| Noncurrent loans to loans | 2.6073% | 2,916 |
| Net loans and leases to total assets | 67.4658% | 3,112 |
| Net loans and leases to deposits | 77.1535% | 3,647 |
| Net loans and leases to core deposits | 85.9447% | 3,325 |
| Total domestic deposits to total assets | 87.4435% | 2,585 |
| Equity capital to assets | 8.3719% | 6,043 |
| Core capital (leverage) ratio | 8.1201% | 5,975 |
| Tier 1 risk-based capital ratio | 11.1675% | 6,202 |
| Total risk-based capital ratio | 12.4313% | 6,172 |
| Memoranda: | ||
| Average total assets | $1,679,255,400 | 405 |
| Average earning assets | $1,578,883,400 | 389 |
| Average equity | $138,512,600 | 497 |
| Average total loans | $1,148,062,600 | 389 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4607% | 2,599 |
| Cost of funding earning assets | 0.6265% | 7,237 |
| Net interest margin | 4.8342% | 624 |
| Noninterest income to average assets | 0.6115% | 3,371 |
| Noninterest expense to average assets | 2.9105% | 4,046 |
| Loan and lease loss provision to assets | 2.0894% | 554 |
| Net operating income to assets | 0.2647% | 5,300 |
| Return on assets (ROA) | 0.2656% | 5,457 |
| Pretax return on assets | 0.1650% | 5,804 |
| Return on Equity (ROE) | 3.2320% | 5,125 |
| Retained earnings to average equity (ytd only) | -2.8565% | 6,332 |
| Net charge-offs to loans | 1.4143% | 1,437 |
| Credit loss provision to net charge-offs | 216.7359% | 1,601 |
| Earnings coverage of net charge-offs (x) | 2.3375% | 4,001 |
| Efficiency ratio | 56.3308% | 6,507 |
| Assets per employee ($millions) | 4.5697% | 2,795 |
| Cash dividends to net income (ytd only)* | 188.3796% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3499% | 1,547 |
| Loan loss allowance to noncurrent loans | 83.1457% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.9066% | 3,603 |
| Noncurrent loans to loans | 2.8263% | 2,825 |
| Net loans and leases to total assets | 65.8756% | 3,719 |
| Net loans and leases to deposits | 74.9046% | 4,359 |
| Net loans and leases to core deposits | 83.9016% | 3,952 |
| Total domestic deposits to total assets | 87.9460% | 1,993 |
| Equity capital to assets | 8.4448% | 6,341 |
| Core capital (leverage) ratio | 7.9280% | 6,435 |
| Tier 1 risk-based capital ratio | 10.8737% | 6,490 |
| Total risk-based capital ratio | 12.1353% | 6,456 |
| Memoranda: | ||
| Average total assets | $1,697,435,500 | 397 |
| Average earning assets | $1,598,490,000 | 379 |
| Average equity | $139,516,250 | 488 |
| Average total loans | $1,157,008,500 | 391 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4676% | 2,667 |
| Cost of funding earning assets | 0.6467% | 7,304 |
| Net interest margin | 4.8208% | 639 |
| Noninterest income to average assets | 0.6025% | 3,324 |
| Noninterest expense to average assets | 2.8305% | 4,356 |
| Loan and lease loss provision to assets | 1.3943% | 961 |
| Net operating income to assets | 0.7581% | 3,156 |
| Return on assets (ROA) | 0.7581% | 3,313 |
| Pretax return on assets | 0.9104% | 3,453 |
| Return on Equity (ROE) | 9.3075% | 2,346 |
| Retained earnings to average equity (ytd only) | 3.1871% | 4,081 |
| Net charge-offs to loans | 0.5731% | 2,817 |
| Credit loss provision to net charge-offs | 355.7087% | 1,029 |
| Earnings coverage of net charge-offs (x) | 5.8798% | 2,579 |
| Efficiency ratio | 55.0871% | 6,750 |
| Assets per employee ($millions) | 4.6013% | 2,726 |
| Cash dividends to net income (ytd only)* | 65.7577% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 2,717 |
| Loan loss allowance to noncurrent loans | 57.8022% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 2.1204% | 3,347 |
| Noncurrent loans to loans | 3.1142% | 2,579 |
| Net loans and leases to total assets | 66.8619% | 3,648 |
| Net loans and leases to deposits | 78.0309% | 3,960 |
| Net loans and leases to core deposits | 87.7805% | 3,577 |
| Total domestic deposits to total assets | 85.6865% | 3,269 |
| Equity capital to assets | 8.3329% | 6,381 |
| Core capital (leverage) ratio | 8.1076% | 6,105 |
| Tier 1 risk-based capital ratio | 10.9760% | 6,260 |
| Total risk-based capital ratio | 12.2312% | 6,246 |
| Memoranda: | ||
| Average total assets | $1,702,697,000 | 400 |
| Average earning assets | $1,600,928,000 | 384 |
| Average equity | $138,684,330 | 487 |
| Average total loans | $1,164,526,000 | 396 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4683% | 2,739 |
| Cost of funding earning assets | 0.6664% | 7,404 |
| Net interest margin | 4.8019% | 642 |
| Noninterest income to average assets | 0.5889% | 3,346 |
| Noninterest expense to average assets | 2.7773% | 4,577 |
| Loan and lease loss provision to assets | 2.0759% | 531 |
| Net operating income to assets | 0.3733% | 4,962 |
| Return on assets (ROA) | 0.3733% | 5,085 |
| Pretax return on assets | 0.2570% | 5,731 |
| Return on Equity (ROE) | 4.6363% | 4,567 |
| Retained earnings to average equity (ytd only) | -1.5522% | 6,132 |
| Net charge-offs to loans | 0.0302% | 5,148 |
| Credit loss provision to net charge-offs | 10,042.0455% | 41 |
| Earnings coverage of net charge-offs (x) | 112.8523% | 290 |
| Efficiency ratio | 54.3164% | 6,939 |
| Assets per employee ($millions) | 4.6892% | 2,664 |
| Cash dividends to net income (ytd only)* | 133.4802% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8000% | 2,728 |
| Loan loss allowance to noncurrent loans | 66.5931% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.8541% | 3,704 |
| Noncurrent loans to loans | 2.7030% | 2,963 |
| Net loans and leases to total assets | 67.3590% | 3,536 |
| Net loans and leases to deposits | 83.4288% | 3,036 |
| Net loans and leases to core deposits | 95.1477% | 2,683 |
| Total domestic deposits to total assets | 80.7383% | 5,537 |
| Equity capital to assets | 8.0476% | 6,602 |
| Core capital (leverage) ratio | 7.9250% | 6,347 |
| Tier 1 risk-based capital ratio | 10.6351% | 6,510 |
| Total risk-based capital ratio | 11.8903% | 6,490 |
| Memoranda: | ||
| Average total assets | $1,702,797,500 | 412 |
| Average earning assets | $1,603,279,000 | 398 |
| Average equity | $137,093,000 | 497 |
| Average total loans | $1,167,195,000 | 409 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5984% | 3,621 |
| Cost of funding earning assets | 0.8154% | 7,535 |
| Net interest margin | 4.7830% | 716 |
| Noninterest income to average assets | 0.6730% | 3,131 |
| Noninterest expense to average assets | 2.9370% | 4,401 |
| Loan and lease loss provision to assets | 0.2588% | 5,329 |
| Net operating income to assets | 1.3824% | 880 |
| Return on assets (ROA) | 1.3824% | 933 |
| Pretax return on assets | 1.9766% | 424 |
| Return on Equity (ROE) | 18.2836% | 345 |
| Retained earnings to average equity (ytd only) | 11.5182% | 247 |
| Net charge-offs to loans | 0.0882% | 6,238 |
| Credit loss provision to net charge-offs | 430.5136% | 726 |
| Earnings coverage of net charge-offs (x) | 37.1913% | 638 |
| Efficiency ratio | 56.7498% | 6,924 |
| Assets per employee ($millions) | 4.6034% | 2,761 |
| Cash dividends to net income (ytd only)* | 37.0025% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 6,076 |
| Loan loss allowance to noncurrent loans | 41.8650% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 1.7390% | 3,761 |
| Noncurrent loans to loans | 2.5387% | 3,014 |
| Net loans and leases to total assets | 67.7692% | 3,756 |
| Net loans and leases to deposits | 82.7109% | 3,502 |
| Net loans and leases to core deposits | 97.6126% | 4,266 |
| Total domestic deposits to total assets | 81.9351% | 4,977 |
| Equity capital to assets | 8.0545% | 6,522 |
| Core capital (leverage) ratio | 8.1627% | 5,880 |
| Tier 1 risk-based capital ratio | 10.6847% | 6,222 |
| Total risk-based capital ratio | 11.6778% | 6,444 |
| Memoranda: | ||
| Average total assets | $1,652,116,400 | 418 |
| Average earning assets | $1,554,159,200 | 410 |
| Average equity | $124,915,200 | 533 |
| Average total loans | $1,125,789,600 | 435 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6362% | 3,663 |
| Cost of funding earning assets | 0.8398% | 7,640 |
| Net interest margin | 4.7963% | 685 |
| Noninterest income to average assets | 0.6784% | 3,165 |
| Noninterest expense to average assets | 2.9160% | 4,381 |
| Loan and lease loss provision to assets | 0.2437% | 5,012 |
| Net operating income to assets | 1.4367% | 953 |
| Return on assets (ROA) | 1.4367% | 1,011 |
| Pretax return on assets | 2.0281% | 515 |
| Return on Equity (ROE) | 19.3278% | 349 |
| Retained earnings to average equity (ytd only) | 12.4063% | 308 |
| Net charge-offs to loans | 0.0400% | 6,345 |
| Credit loss provision to net charge-offs | 895.5224% | 424 |
| Earnings coverage of net charge-offs (x) | 83.4947% | 410 |
| Efficiency ratio | 56.1769% | 6,975 |
| Assets per employee ($millions) | 4.6042% | 2,692 |
| Cash dividends to net income (ytd only)* | 35.8112% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 6,038 |
| Loan loss allowance to noncurrent loans | 48.6121% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 1.4420% | 4,225 |
| Noncurrent loans to loans | 2.1493% | 3,445 |
| Net loans and leases to total assets | 66.3927% | 4,332 |
| Net loans and leases to deposits | 78.7086% | 4,617 |
| Net loans and leases to core deposits | 94.0691% | 5,005 |
| Total domestic deposits to total assets | 84.3525% | 3,550 |
| Equity capital to assets | 7.9528% | 6,894 |
| Core capital (leverage) ratio | 7.9669% | 6,419 |
| Tier 1 risk-based capital ratio | 10.7297% | 6,223 |
| Total risk-based capital ratio | 11.7002% | 6,471 |
| Memoranda: | ||
| Average total assets | $1,641,632,500 | 431 |
| Average earning assets | $1,543,416,750 | 425 |
| Average equity | $122,032,000 | 553 |
| Average total loans | $1,117,142,250 | 454 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7124% | 3,467 |
| Cost of funding earning assets | 0.8726% | 7,728 |
| Net interest margin | 4.8397% | 607 |
| Noninterest income to average assets | 0.6848% | 3,088 |
| Noninterest expense to average assets | 2.9413% | 4,327 |
| Loan and lease loss provision to assets | 0.2482% | 4,592 |
| Net operating income to assets | 1.4154% | 990 |
| Return on assets (ROA) | 1.4154% | 1,061 |
| Pretax return on assets | 2.0362% | 513 |
| Return on Equity (ROE) | 19.5062% | 367 |
| Retained earnings to average equity (ytd only) | 12.3763% | 389 |
| Net charge-offs to loans | 0.0364% | 5,945 |
| Credit loss provision to net charge-offs | 997.5369% | 496 |
| Earnings coverage of net charge-offs (x) | 91.8128% | 417 |
| Efficiency ratio | 56.2519% | 7,092 |
| Assets per employee ($millions) | 4.5027% | 2,773 |
| Cash dividends to net income (ytd only)* | 36.5518% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 6,515 |
| Loan loss allowance to noncurrent loans | 98.3982% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.6615% | 5,758 |
| Noncurrent loans to loans | 0.9735% | 5,269 |
| Net loans and leases to total assets | 67.2956% | 4,294 |
| Net loans and leases to deposits | 78.4854% | 4,786 |
| Net loans and leases to core deposits | 93.7740% | 5,140 |
| Total domestic deposits to total assets | 85.7428% | 2,907 |
| Equity capital to assets | 7.3811% | 7,362 |
| Core capital (leverage) ratio | 7.8502% | 6,550 |
| Tier 1 risk-based capital ratio | 10.1924% | 6,726 |
| Total risk-based capital ratio | 11.0767% | 7,047 |
| Memoranda: | ||
| Average total assets | $1,631,738,000 | 447 |
| Average earning assets | $1,530,992,000 | 435 |
| Average equity | $118,403,670 | 574 |
| Average total loans | $1,115,740,330 | 470 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7391% | 3,592 |
| Cost of funding earning assets | 0.9418% | 7,758 |
| Net interest margin | 4.7974% | 610 |
| Noninterest income to average assets | 0.6855% | 2,971 |
| Noninterest expense to average assets | 2.8745% | 4,250 |
| Loan and lease loss provision to assets | 0.2419% | 4,046 |
| Net operating income to assets | 1.4225% | 1,091 |
| Return on assets (ROA) | 1.4225% | 1,177 |
| Pretax return on assets | 2.0693% | 573 |
| Return on Equity (ROE) | 19.7801% | 438 |
| Retained earnings to average equity (ytd only) | 12.5014% | 712 |
| Net charge-offs to loans | 0.0130% | 5,425 |
| Credit loss provision to net charge-offs | 2,708.3333% | 249 |
| Earnings coverage of net charge-offs (x) | 258.7778% | 162 |
| Efficiency ratio | 55.3987% | 7,052 |
| Assets per employee ($millions) | 4.4873% | 2,738 |
| Cash dividends to net income (ytd only)* | 36.7980% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 6,782 |
| Loan loss allowance to noncurrent loans | 119.0136% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 5,936 |
| Noncurrent loans to loans | 0.7504% | 5,555 |
| Net loans and leases to total assets | 67.5046% | 4,239 |
| Net loans and leases to deposits | 84.3750% | 3,915 |
| Net loans and leases to core deposits | 99.4398% | 4,594 |
| Total domestic deposits to total assets | 80.0056% | 5,369 |
| Equity capital to assets | 7.2806% | 7,509 |
| Core capital (leverage) ratio | 7.7971% | 6,748 |
| Tier 1 risk-based capital ratio | 9.9798% | 6,948 |
| Total risk-based capital ratio | 10.8014% | 7,325 |
| Memoranda: | ||
| Average total assets | $1,612,361,000 | 453 |
| Average earning assets | $1,512,493,500 | 441 |
| Average equity | $115,955,000 | 578 |
| Average total loans | $1,106,090,500 | 474 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1288% | 4,904 |
| Cost of funding earning assets | 1.5407% | 7,547 |
| Net interest margin | 4.5881% | 1,213 |
| Noninterest income to average assets | 0.9418% | 1,807 |
| Noninterest expense to average assets | 2.7177% | 5,190 |
| Loan and lease loss provision to assets | 0.1319% | 5,675 |
| Net operating income to assets | 1.6092% | 823 |
| Return on assets (ROA) | 1.6092% | 784 |
| Pretax return on assets | 2.3514% | 272 |
| Return on Equity (ROE) | 21.9737% | 258 |
| Retained earnings to average equity (ytd only) | 13.2972% | 149 |
| Net charge-offs to loans | 0.0624% | 5,880 |
| Credit loss provision to net charge-offs | 319.3146% | 1,414 |
| Earnings coverage of net charge-offs (x) | 60.1386% | 665 |
| Efficiency ratio | 52.2192% | 7,462 |
| Assets per employee ($millions) | 4.3712% | 2,840 |
| Cash dividends to net income (ytd only)* | 39.4860% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8277% | 6,990 |
| Loan loss allowance to noncurrent loans | 184.9407% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3093% | 6,363 |
| Noncurrent loans to loans | 0.4475% | 6,016 |
| Net loans and leases to total assets | 68.5349% | 4,357 |
| Net loans and leases to deposits | 88.9931% | 3,637 |
| Net loans and leases to core deposits | 104.4529% | 4,351 |
| Total domestic deposits to total assets | 77.0115% | 5,989 |
| Equity capital to assets | 7.0993% | 7,683 |
| Core capital (leverage) ratio | 7.8420% | 6,736 |
| Tier 1 risk-based capital ratio | 9.8676% | 6,883 |
| Total risk-based capital ratio | 10.5946% | 7,399 |
| Memoranda: | ||
| Average total assets | $1,554,769,200 | 452 |
| Average earning assets | $1,443,290,400 | 443 |
| Average equity | $113,858,600 | 591 |
| Average total loans | $1,029,055,400 | 480 |