Home > USAmeriBank > Performance and Condition Ratios
USAmeriBank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2251% | 2,600 |
| Cost of funding earning assets | 0.6221% | 1,456 |
| Net interest margin | 3.6031% | 3,154 |
| Noninterest income to average assets | 0.4391% | 3,383 |
| Noninterest expense to average assets | 2.1752% | 4,579 |
| Loan and lease loss provision to assets | 0.0194% | 3,912 |
| Net operating income to assets | 0.9957% | 2,264 |
| Return on assets (ROA) | 0.9968% | 2,293 |
| Pretax return on assets | 1.6521% | 1,148 |
| Return on Equity (ROE) | 10.8342% | 1,543 |
| Retained earnings to average equity (ytd only) | 2.7706% | 3,649 |
| Net charge-offs to loans | -0.0459% | 5,164 |
| Credit loss provision to net charge-offs | -51.7977% | 4,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8396% | 4,782 |
| Assets per employee ($millions) | 8.9950% | 451 |
| Cash dividends to net income (ytd only)* | 74.4269% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 3,336 |
| Loan loss allowance to noncurrent loans | 174.4048% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 2,536 |
| Noncurrent loans to loans | 0.6328% | 2,636 |
| Net loans and leases to total assets | 80.7156% | 873 |
| Net loans and leases to deposits | 105.5352% | 421 |
| Net loans and leases to core deposits | 117.1920% | 682 |
| Total domestic deposits to total assets | 76.4822% | 4,922 |
| Equity capital to assets | 8.6660% | 4,979 |
| Core capital (leverage) ratio | 8.6426% | 4,999 |
| Tier 1 risk-based capital ratio | 9.8033% | 5,568 |
| Total risk-based capital ratio | 10.8686% | 5,571 |
| Memoranda: | ||
| Average total assets | $4,380,693,800 | 235 |
| Average earning assets | $4,140,950,600 | 223 |
| Average equity | $403,049,400 | 268 |
| Average total loans | $3,576,355,600 | 210 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1947% | 2,636 |
| Cost of funding earning assets | 0.5966% | 1,549 |
| Net interest margin | 3.5981% | 3,160 |
| Noninterest income to average assets | 0.4387% | 3,410 |
| Noninterest expense to average assets | 1.9842% | 4,986 |
| Loan and lease loss provision to assets | 0.0462% | 3,178 |
| Net operating income to assets | 1.2264% | 1,590 |
| Return on assets (ROA) | 1.2280% | 1,616 |
| Pretax return on assets | 1.8086% | 870 |
| Return on Equity (ROE) | 13.1399% | 1,024 |
| Retained earnings to average equity (ytd only) | 9.6632% | 662 |
| Net charge-offs to loans | -0.0118% | 4,678 |
| Credit loss provision to net charge-offs | -479.7428% | 4,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9707% | 5,181 |
| Assets per employee ($millions) | 8.4705% | 525 |
| Cash dividends to net income (ytd only)* | 26.4590% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 3,311 |
| Loan loss allowance to noncurrent loans | 149.5516% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.7528% | 2,243 |
| Noncurrent loans to loans | 0.7557% | 2,470 |
| Net loans and leases to total assets | 80.7543% | 878 |
| Net loans and leases to deposits | 98.2087% | 892 |
| Net loans and leases to core deposits | 110.5373% | 994 |
| Total domestic deposits to total assets | 82.2272% | 3,706 |
| Equity capital to assets | 9.4352% | 4,504 |
| Core capital (leverage) ratio | 9.3322% | 4,368 |
| Tier 1 risk-based capital ratio | 10.6293% | 5,403 |
| Total risk-based capital ratio | 11.7108% | 5,401 |
| Memoranda: | ||
| Average total assets | $4,308,769,500 | 240 |
| Average earning assets | $4,069,017,250 | 229 |
| Average equity | $402,671,000 | 264 |
| Average total loans | $3,517,901,750 | 215 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 2,673 |
| Cost of funding earning assets | 0.5674% | 1,664 |
| Net interest margin | 3.5817% | 3,102 |
| Noninterest income to average assets | 0.4800% | 3,150 |
| Noninterest expense to average assets | 1.9829% | 5,008 |
| Loan and lease loss provision to assets | 0.0508% | 2,970 |
| Net operating income to assets | 1.2230% | 1,525 |
| Return on assets (ROA) | 1.2254% | 1,553 |
| Pretax return on assets | 1.8294% | 782 |
| Return on Equity (ROE) | 13.1567% | 998 |
| Retained earnings to average equity (ytd only) | 9.6210% | 667 |
| Net charge-offs to loans | -0.0210% | 4,798 |
| Credit loss provision to net charge-offs | -295.6164% | 4,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6253% | 5,268 |
| Assets per employee ($millions) | 8.0207% | 620 |
| Cash dividends to net income (ytd only)* | 26.8735% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 3,350 |
| Loan loss allowance to noncurrent loans | 143.8278% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.7862% | 2,245 |
| Noncurrent loans to loans | 0.7950% | 2,419 |
| Net loans and leases to total assets | 80.9419% | 818 |
| Net loans and leases to deposits | 99.6345% | 765 |
| Net loans and leases to core deposits | 111.0896% | 951 |
| Total domestic deposits to total assets | 81.2388% | 4,121 |
| Equity capital to assets | 9.4099% | 4,504 |
| Core capital (leverage) ratio | 9.2953% | 4,371 |
| Tier 1 risk-based capital ratio | 10.4692% | 5,470 |
| Total risk-based capital ratio | 11.5617% | 5,471 |
| Memoranda: | ||
| Average total assets | $4,251,386,330 | 239 |
| Average earning assets | $4,011,373,000 | 232 |
| Average equity | $395,966,670 | 270 |
| Average total loans | $3,470,571,000 | 219 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0755% | 2,747 |
| Cost of funding earning assets | 0.5481% | 1,729 |
| Net interest margin | 3.5274% | 3,173 |
| Noninterest income to average assets | 0.4836% | 3,081 |
| Noninterest expense to average assets | 1.9854% | 5,085 |
| Loan and lease loss provision to assets | 0.1035% | 1,846 |
| Net operating income to assets | 1.1960% | 1,512 |
| Return on assets (ROA) | 1.1960% | 1,552 |
| Pretax return on assets | 1.7181% | 969 |
| Return on Equity (ROE) | 12.9104% | 1,017 |
| Retained earnings to average equity (ytd only) | 9.3012% | 984 |
| Net charge-offs to loans | -0.0245% | 4,845 |
| Credit loss provision to net charge-offs | -518.6603% | 4,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3775% | 5,298 |
| Assets per employee ($millions) | 7.9858% | 622 |
| Cash dividends to net income (ytd only)* | 27.9553% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 3,234 |
| Loan loss allowance to noncurrent loans | 137.1818% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.9534% | 1,929 |
| Noncurrent loans to loans | 0.8625% | 2,307 |
| Net loans and leases to total assets | 80.7572% | 730 |
| Net loans and leases to deposits | 95.0160% | 1,013 |
| Net loans and leases to core deposits | 103.8982% | 1,232 |
| Total domestic deposits to total assets | 84.9932% | 3,093 |
| Equity capital to assets | 9.4774% | 4,299 |
| Core capital (leverage) ratio | 9.1733% | 4,520 |
| Tier 1 risk-based capital ratio | 10.5204% | 5,530 |
| Total risk-based capital ratio | 11.6437% | 5,512 |
| Memoranda: | ||
| Average total assets | $4,187,417,000 | 242 |
| Average earning assets | $3,945,227,500 | 234 |
| Average equity | $387,905,500 | 274 |
| Average total loans | $3,413,002,500 | 221 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0715% | 2,946 |
| Cost of funding earning assets | 0.5137% | 1,993 |
| Net interest margin | 3.5579% | 3,224 |
| Noninterest income to average assets | 0.3568% | 4,188 |
| Noninterest expense to average assets | 1.9658% | 5,257 |
| Loan and lease loss provision to assets | 0.1534% | 1,635 |
| Net operating income to assets | 1.1554% | 1,674 |
| Return on assets (ROA) | 1.1622% | 1,735 |
| Pretax return on assets | 1.5944% | 1,303 |
| Return on Equity (ROE) | 12.8361% | 1,031 |
| Retained earnings to average equity (ytd only) | 9.2232% | 538 |
| Net charge-offs to loans | -0.0289% | 5,231 |
| Credit loss provision to net charge-offs | -654.7645% | 5,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2136% | 5,369 |
| Assets per employee ($millions) | 8.0278% | 603 |
| Cash dividends to net income (ytd only)* | 28.1463% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 3,292 |
| Loan loss allowance to noncurrent loans | 132.6126% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.9994% | 1,899 |
| Noncurrent loans to loans | 0.8842% | 2,340 |
| Net loans and leases to total assets | 80.3312% | 847 |
| Net loans and leases to deposits | 95.1623% | 1,078 |
| Net loans and leases to core deposits | 103.6546% | 1,308 |
| Total domestic deposits to total assets | 84.4149% | 3,263 |
| Equity capital to assets | 9.0460% | 4,768 |
| Core capital (leverage) ratio | 8.9819% | 4,761 |
| Tier 1 risk-based capital ratio | 10.1315% | 5,705 |
| Total risk-based capital ratio | 11.2428% | 5,696 |
| Memoranda: | ||
| Average total assets | $3,897,772,600 | 241 |
| Average earning assets | $3,667,231,600 | 234 |
| Average equity | $352,902,400 | 285 |
| Average total loans | $3,157,718,600 | 220 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 2,978 |
| Cost of funding earning assets | 0.5066% | 2,050 |
| Net interest margin | 3.5658% | 3,209 |
| Noninterest income to average assets | 0.4190% | 3,788 |
| Noninterest expense to average assets | 1.9647% | 5,274 |
| Loan and lease loss provision to assets | 0.1822% | 1,213 |
| Net operating income to assets | 1.1384% | 1,851 |
| Return on assets (ROA) | 1.1472% | 1,923 |
| Pretax return on assets | 1.6405% | 1,273 |
| Return on Equity (ROE) | 12.6677% | 1,132 |
| Retained earnings to average equity (ytd only) | 9.1163% | 786 |
| Net charge-offs to loans | -0.0091% | 4,746 |
| Credit loss provision to net charge-offs | -2,483.4123% | 5,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1961% | 5,432 |
| Assets per employee ($millions) | 7.9016% | 610 |
| Cash dividends to net income (ytd only)* | 28.0354% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 3,428 |
| Loan loss allowance to noncurrent loans | 172.7722% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8286% | 2,473 |
| Noncurrent loans to loans | 0.6771% | 2,996 |
| Net loans and leases to total assets | 79.7504% | 923 |
| Net loans and leases to deposits | 95.4184% | 1,108 |
| Net loans and leases to core deposits | 106.4183% | 1,156 |
| Total domestic deposits to total assets | 83.5796% | 3,362 |
| Equity capital to assets | 9.0781% | 5,097 |
| Core capital (leverage) ratio | 9.0410% | 4,787 |
| Tier 1 risk-based capital ratio | 10.2407% | 5,722 |
| Total risk-based capital ratio | 11.3533% | 5,705 |
| Memoranda: | ||
| Average total assets | $3,834,622,750 | 244 |
| Average earning assets | $3,608,714,000 | 236 |
| Average equity | $347,267,250 | 284 |
| Average total loans | $3,103,748,500 | 225 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0789% | 2,953 |
| Cost of funding earning assets | 0.5030% | 2,083 |
| Net interest margin | 3.5758% | 3,191 |
| Noninterest income to average assets | 0.4882% | 3,274 |
| Noninterest expense to average assets | 1.9650% | 5,342 |
| Loan and lease loss provision to assets | 0.1534% | 1,488 |
| Net operating income to assets | 1.1309% | 1,850 |
| Return on assets (ROA) | 1.1371% | 1,933 |
| Pretax return on assets | 1.7452% | 990 |
| Return on Equity (ROE) | 12.5671% | 1,146 |
| Retained earnings to average equity (ytd only) | 9.0171% | 846 |
| Net charge-offs to loans | -0.0115% | 4,743 |
| Credit loss provision to net charge-offs | -1,642.0455% | 5,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1357% | 5,552 |
| Assets per employee ($millions) | 7.7469% | 633 |
| Cash dividends to net income (ytd only)* | 28.2486% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 3,733 |
| Loan loss allowance to noncurrent loans | 187.1667% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.8092% | 2,566 |
| Noncurrent loans to loans | 0.6077% | 3,244 |
| Net loans and leases to total assets | 79.5410% | 979 |
| Net loans and leases to deposits | 96.7118% | 999 |
| Net loans and leases to core deposits | 108.3477% | 1,019 |
| Total domestic deposits to total assets | 82.2454% | 3,922 |
| Equity capital to assets | 9.1780% | 5,090 |
| Core capital (leverage) ratio | 9.1424% | 4,672 |
| Tier 1 risk-based capital ratio | 10.4038% | 5,717 |
| Total risk-based capital ratio | 11.4915% | 5,702 |
| Memoranda: | ||
| Average total assets | $3,766,929,670 | 248 |
| Average earning assets | $3,545,639,000 | 240 |
| Average equity | $340,841,330 | 287 |
| Average total loans | $3,052,265,000 | 227 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0925% | 2,871 |
| Cost of funding earning assets | 0.4904% | 2,178 |
| Net interest margin | 3.6020% | 3,074 |
| Noninterest income to average assets | 0.5330% | 2,915 |
| Noninterest expense to average assets | 1.9953% | 5,354 |
| Loan and lease loss provision to assets | 0.2010% | 976 |
| Net operating income to assets | 1.1243% | 1,817 |
| Return on assets (ROA) | 1.1255% | 1,913 |
| Pretax return on assets | 1.7307% | 988 |
| Return on Equity (ROE) | 12.5340% | 1,144 |
| Retained earnings to average equity (ytd only) | 9.1012% | 1,087 |
| Net charge-offs to loans | -0.0106% | 4,559 |
| Credit loss provision to net charge-offs | -2,322.5000% | 4,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9848% | 5,629 |
| Assets per employee ($millions) | 7.8110% | 609 |
| Cash dividends to net income (ytd only)* | 27.3880% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 3,898 |
| Loan loss allowance to noncurrent loans | 181.2582% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 2,607 |
| Noncurrent loans to loans | 0.6219% | 3,309 |
| Net loans and leases to total assets | 80.6198% | 727 |
| Net loans and leases to deposits | 93.9060% | 1,153 |
| Net loans and leases to core deposits | 107.8254% | 979 |
| Total domestic deposits to total assets | 85.8515% | 2,735 |
| Equity capital to assets | 9.2647% | 4,929 |
| Core capital (leverage) ratio | 9.2400% | 4,556 |
| Tier 1 risk-based capital ratio | 10.4882% | 5,756 |
| Total risk-based capital ratio | 11.5740% | 5,743 |
| Memoranda: | ||
| Average total assets | $3,698,179,000 | 253 |
| Average earning assets | $3,482,578,000 | 245 |
| Average equity | $332,088,000 | 293 |
| Average total loans | $3,007,720,500 | 228 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1358% | 2,788 |
| Cost of funding earning assets | 0.4830% | 2,328 |
| Net interest margin | 3.6528% | 2,926 |
| Noninterest income to average assets | 0.4730% | 3,509 |
| Noninterest expense to average assets | 2.0773% | 5,294 |
| Loan and lease loss provision to assets | 0.1617% | 1,425 |
| Net operating income to assets | 1.0585% | 2,088 |
| Return on assets (ROA) | 1.0669% | 2,135 |
| Pretax return on assets | 1.6694% | 1,065 |
| Return on Equity (ROE) | 12.0832% | 1,282 |
| Retained earnings to average equity (ytd only) | 9.3417% | 574 |
| Net charge-offs to loans | -0.0551% | 5,582 |
| Credit loss provision to net charge-offs | -362.6490% | 5,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3933% | 5,614 |
| Assets per employee ($millions) | 7.5186% | 689 |
| Cash dividends to net income (ytd only)* | 22.6889% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 3,999 |
| Loan loss allowance to noncurrent loans | 187.8220% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.8260% | 2,606 |
| Noncurrent loans to loans | 0.5904% | 3,398 |
| Net loans and leases to total assets | 80.2135% | 819 |
| Net loans and leases to deposits | 97.1160% | 896 |
| Net loans and leases to core deposits | 113.7148% | 692 |
| Total domestic deposits to total assets | 82.5955% | 3,976 |
| Equity capital to assets | 8.6844% | 5,397 |
| Core capital (leverage) ratio | 8.6183% | 5,314 |
| Tier 1 risk-based capital ratio | 9.9077% | 5,967 |
| Total risk-based capital ratio | 10.9740% | 5,989 |
| Memoranda: | ||
| Average total assets | $3,387,468,800 | 254 |
| Average earning assets | $3,173,678,600 | 245 |
| Average equity | $299,100,600 | 304 |
| Average total loans | $2,738,956,400 | 229 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1301% | 2,808 |
| Cost of funding earning assets | 0.4936% | 2,280 |
| Net interest margin | 3.6365% | 3,009 |
| Noninterest income to average assets | 0.4288% | 3,872 |
| Noninterest expense to average assets | 2.0886% | 5,296 |
| Loan and lease loss provision to assets | 0.1754% | 1,211 |
| Net operating income to assets | 1.0106% | 2,420 |
| Return on assets (ROA) | 1.0212% | 2,464 |
| Pretax return on assets | 1.5845% | 1,428 |
| Return on Equity (ROE) | 11.5134% | 1,521 |
| Retained earnings to average equity (ytd only) | 8.3726% | 1,100 |
| Net charge-offs to loans | -0.0488% | 5,542 |
| Credit loss provision to net charge-offs | -445.0661% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5370% | 5,552 |
| Assets per employee ($millions) | 7.1894% | 800 |
| Cash dividends to net income (ytd only)* | 27.2795% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 4,311 |
| Loan loss allowance to noncurrent loans | 166.9877% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8575% | 2,739 |
| Noncurrent loans to loans | 0.6497% | 3,380 |
| Net loans and leases to total assets | 80.3247% | 774 |
| Net loans and leases to deposits | 97.7175% | 837 |
| Net loans and leases to core deposits | 115.0139% | 633 |
| Total domestic deposits to total assets | 82.2009% | 4,101 |
| Equity capital to assets | 8.6736% | 5,594 |
| Core capital (leverage) ratio | 8.6037% | 5,460 |
| Tier 1 risk-based capital ratio | 9.9928% | 6,044 |
| Total risk-based capital ratio | 11.0385% | 6,061 |
| Memoranda: | ||
| Average total assets | $3,326,469,000 | 261 |
| Average earning assets | $3,112,945,500 | 254 |
| Average equity | $295,033,250 | 311 |
| Average total loans | $2,687,297,500 | 233 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1064% | 2,872 |
| Cost of funding earning assets | 0.5048% | 2,207 |
| Net interest margin | 3.6016% | 3,087 |
| Noninterest income to average assets | 0.4381% | 3,789 |
| Noninterest expense to average assets | 2.1109% | 5,314 |
| Loan and lease loss provision to assets | 0.1761% | 1,178 |
| Net operating income to assets | 0.9644% | 2,567 |
| Return on assets (ROA) | 0.9807% | 2,604 |
| Pretax return on assets | 1.5434% | 1,513 |
| Return on Equity (ROE) | 10.9699% | 1,688 |
| Retained earnings to average equity (ytd only) | 7.0594% | 1,674 |
| Net charge-offs to loans | -0.0636% | 5,630 |
| Credit loss provision to net charge-offs | -343.4211% | 5,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4835% | 5,549 |
| Assets per employee ($millions) | 6.9209% | 855 |
| Cash dividends to net income (ytd only)* | 35.6473% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 4,528 |
| Loan loss allowance to noncurrent loans | 164.3660% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 2,714 |
| Noncurrent loans to loans | 0.6462% | 3,542 |
| Net loans and leases to total assets | 79.4195% | 881 |
| Net loans and leases to deposits | 97.5577% | 830 |
| Net loans and leases to core deposits | 118.9685% | 495 |
| Total domestic deposits to total assets | 81.4077% | 4,482 |
| Equity capital to assets | 8.5810% | 5,614 |
| Core capital (leverage) ratio | 8.6701% | 5,352 |
| Tier 1 risk-based capital ratio | 9.9706% | 6,099 |
| Total risk-based capital ratio | 10.9863% | 6,122 |
| Memoranda: | ||
| Average total assets | $3,261,016,000 | 264 |
| Average earning assets | $3,048,442,670 | 257 |
| Average equity | $291,526,000 | 314 |
| Average total loans | $2,629,484,000 | 238 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 2,924 |
| Cost of funding earning assets | 0.5213% | 2,101 |
| Net interest margin | 3.5567% | 3,196 |
| Noninterest income to average assets | 0.4193% | 3,850 |
| Noninterest expense to average assets | 2.1424% | 5,296 |
| Loan and lease loss provision to assets | 0.0962% | 2,084 |
| Net operating income to assets | 0.9456% | 2,531 |
| Return on assets (ROA) | 0.9751% | 2,502 |
| Pretax return on assets | 1.5475% | 1,403 |
| Return on Equity (ROE) | 10.6741% | 1,739 |
| Retained earnings to average equity (ytd only) | 6.7350% | 2,130 |
| Net charge-offs to loans | -0.1212% | 5,922 |
| Credit loss provision to net charge-offs | -98.1959% | 4,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2416% | 5,497 |
| Assets per employee ($millions) | 6.6273% | 1,010 |
| Cash dividends to net income (ytd only)* | 36.9028% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 4,782 |
| Loan loss allowance to noncurrent loans | 150.6420% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 2,676 |
| Noncurrent loans to loans | 0.6946% | 3,539 |
| Net loans and leases to total assets | 78.9466% | 798 |
| Net loans and leases to deposits | 94.1710% | 962 |
| Net loans and leases to core deposits | 112.2606% | 640 |
| Total domestic deposits to total assets | 83.8333% | 3,878 |
| Equity capital to assets | 8.9494% | 5,347 |
| Core capital (leverage) ratio | 9.0147% | 4,933 |
| Tier 1 risk-based capital ratio | 10.4252% | 6,036 |
| Total risk-based capital ratio | 11.4303% | 6,057 |
| Memoranda: | ||
| Average total assets | $3,168,218,500 | 267 |
| Average earning assets | $2,958,102,000 | 264 |
| Average equity | $289,411,500 | 314 |
| Average total loans | $2,560,892,000 | 239 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2279% | 2,858 |
| Cost of funding earning assets | 0.5646% | 2,099 |
| Net interest margin | 3.6633% | 3,158 |
| Noninterest income to average assets | 0.4175% | 4,054 |
| Noninterest expense to average assets | 2.1572% | 5,440 |
| Loan and lease loss provision to assets | 0.0921% | 2,625 |
| Net operating income to assets | 0.9820% | 2,473 |
| Return on assets (ROA) | 1.0073% | 2,431 |
| Pretax return on assets | 1.6199% | 1,179 |
| Return on Equity (ROE) | 10.9632% | 1,732 |
| Retained earnings to average equity (ytd only) | 8.5575% | 812 |
| Net charge-offs to loans | 0.1899% | 2,148 |
| Credit loss provision to net charge-offs | 60.0481% | 3,285 |
| Earnings coverage of net charge-offs (x) | 10.9074% | 2,568 |
| Efficiency ratio | 55.2500% | 5,744 |
| Assets per employee ($millions) | 6.3418% | 1,156 |
| Cash dividends to net income (ytd only)* | 21.9437% | 3,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 4,951 |
| Loan loss allowance to noncurrent loans | 122.0939% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.0338% | 2,677 |
| Noncurrent loans to loans | 0.8345% | 3,227 |
| Net loans and leases to total assets | 81.1081% | 619 |
| Net loans and leases to deposits | 97.6660% | 784 |
| Net loans and leases to core deposits | 113.1551% | 639 |
| Total domestic deposits to total assets | 83.0464% | 4,060 |
| Equity capital to assets | 9.3314% | 4,928 |
| Core capital (leverage) ratio | 9.0479% | 4,908 |
| Tier 1 risk-based capital ratio | 10.6896% | 6,028 |
| Total risk-based capital ratio | 11.6996% | 6,064 |
| Memoranda: | ||
| Average total assets | $2,985,760,400 | 269 |
| Average earning assets | $2,781,053,400 | 264 |
| Average equity | $274,345,600 | 311 |
| Average total loans | $2,411,138,200 | 237 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2375% | 2,853 |
| Cost of funding earning assets | 0.5592% | 2,203 |
| Net interest margin | 3.6783% | 3,109 |
| Noninterest income to average assets | 0.3934% | 4,298 |
| Noninterest expense to average assets | 2.0899% | 5,598 |
| Loan and lease loss provision to assets | 0.0677% | 2,993 |
| Net operating income to assets | 1.0314% | 2,316 |
| Return on assets (ROA) | 1.0479% | 2,304 |
| Pretax return on assets | 1.6861% | 1,093 |
| Return on Equity (ROE) | 11.4510% | 1,645 |
| Retained earnings to average equity (ytd only) | 9.0172% | 995 |
| Net charge-offs to loans | 0.1529% | 2,267 |
| Credit loss provision to net charge-offs | 55.0311% | 3,028 |
| Earnings coverage of net charge-offs (x) | 14.0523% | 2,168 |
| Efficiency ratio | 53.6493% | 5,860 |
| Assets per employee ($millions) | 6.0440% | 1,306 |
| Cash dividends to net income (ytd only)* | 21.2538% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 4,873 |
| Loan loss allowance to noncurrent loans | 106.4528% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.1825% | 2,589 |
| Noncurrent loans to loans | 1.0059% | 3,051 |
| Net loans and leases to total assets | 80.6662% | 643 |
| Net loans and leases to deposits | 97.1720% | 784 |
| Net loans and leases to core deposits | 114.4097% | 574 |
| Total domestic deposits to total assets | 83.0139% | 4,146 |
| Equity capital to assets | 9.3651% | 4,958 |
| Core capital (leverage) ratio | 9.0109% | 5,056 |
| Tier 1 risk-based capital ratio | 10.6953% | 6,131 |
| Total risk-based capital ratio | 11.7520% | 6,154 |
| Memoranda: | ||
| Average total assets | $2,963,253,000 | 270 |
| Average earning assets | $2,758,784,250 | 263 |
| Average equity | $271,178,250 | 310 |
| Average total loans | $2,383,824,000 | 234 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 2,813 |
| Cost of funding earning assets | 0.5530% | 2,320 |
| Net interest margin | 3.6861% | 3,012 |
| Noninterest income to average assets | 0.3855% | 4,357 |
| Noninterest expense to average assets | 2.0932% | 5,638 |
| Loan and lease loss provision to assets | 0.0556% | 3,183 |
| Net operating income to assets | 1.0352% | 2,182 |
| Return on assets (ROA) | 1.0353% | 2,248 |
| Pretax return on assets | 1.6665% | 1,096 |
| Return on Equity (ROE) | 11.4039% | 1,601 |
| Retained earnings to average equity (ytd only) | 8.9376% | 1,005 |
| Net charge-offs to loans | 0.2614% | 1,501 |
| Credit loss provision to net charge-offs | 26.5802% | 3,104 |
| Earnings coverage of net charge-offs (x) | 8.2266% | 2,524 |
| Efficiency ratio | 53.7685% | 5,925 |
| Assets per employee ($millions) | 6.0193% | 1,264 |
| Cash dividends to net income (ytd only)* | 21.6266% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 5,092 |
| Loan loss allowance to noncurrent loans | 100.4576% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.2496% | 2,607 |
| Noncurrent loans to loans | 1.0503% | 3,129 |
| Net loans and leases to total assets | 79.2898% | 768 |
| Net loans and leases to deposits | 96.3685% | 775 |
| Net loans and leases to core deposits | 112.3502% | 590 |
| Total domestic deposits to total assets | 82.2777% | 4,554 |
| Equity capital to assets | 9.2241% | 5,079 |
| Core capital (leverage) ratio | 8.7814% | 5,291 |
| Tier 1 risk-based capital ratio | 10.6471% | 6,202 |
| Total risk-based capital ratio | 11.6859% | 6,220 |
| Memoranda: | ||
| Average total assets | $2,947,698,670 | 269 |
| Average earning assets | $2,742,644,000 | 260 |
| Average equity | $267,610,330 | 311 |
| Average total loans | $2,360,343,330 | 231 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 2,843 |
| Cost of funding earning assets | 0.5472% | 2,444 |
| Net interest margin | 3.6611% | 3,015 |
| Noninterest income to average assets | 0.3660% | 4,458 |
| Noninterest expense to average assets | 2.0975% | 5,688 |
| Loan and lease loss provision to assets | 0.1000% | 2,257 |
| Net operating income to assets | 0.9755% | 2,300 |
| Return on assets (ROA) | 0.9757% | 2,364 |
| Pretax return on assets | 1.5727% | 1,227 |
| Return on Equity (ROE) | 10.8357% | 1,739 |
| Retained earnings to average equity (ytd only) | 8.3331% | 1,484 |
| Net charge-offs to loans | 0.3979% | 921 |
| Credit loss provision to net charge-offs | 31.3894% | 2,385 |
| Earnings coverage of net charge-offs (x) | 5.2509% | 2,398 |
| Efficiency ratio | 54.5231% | 5,970 |
| Assets per employee ($millions) | 5.8344% | 1,422 |
| Cash dividends to net income (ytd only)* | 23.0963% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 5,164 |
| Loan loss allowance to noncurrent loans | 182.7666% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.9597% | 3,331 |
| Noncurrent loans to loans | 0.5956% | 4,371 |
| Net loans and leases to total assets | 79.5884% | 597 |
| Net loans and leases to deposits | 96.4931% | 621 |
| Net loans and leases to core deposits | 111.4941% | 527 |
| Total domestic deposits to total assets | 82.4809% | 4,796 |
| Equity capital to assets | 9.0362% | 5,078 |
| Core capital (leverage) ratio | 8.8381% | 5,213 |
| Tier 1 risk-based capital ratio | 10.3269% | 6,388 |
| Total risk-based capital ratio | 11.3891% | 6,404 |
| Memoranda: | ||
| Average total assets | $2,928,762,000 | 270 |
| Average earning assets | $2,723,014,500 | 261 |
| Average equity | $263,720,000 | 312 |
| Average total loans | $2,344,265,500 | 231 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4683% | 2,330 |
| Cost of funding earning assets | 0.6367% | 2,325 |
| Net interest margin | 3.8316% | 2,531 |
| Noninterest income to average assets | 1.3393% | 773 |
| Noninterest expense to average assets | 2.5937% | 4,489 |
| Loan and lease loss provision to assets | -0.0087% | 6,272 |
| Net operating income to assets | 1.3901% | 1,040 |
| Return on assets (ROA) | 1.4018% | 1,060 |
| Pretax return on assets | 2.2998% | 264 |
| Return on Equity (ROE) | 15.5538% | 684 |
| Retained earnings to average equity (ytd only) | 15.0444% | 166 |
| Net charge-offs to loans | -0.0280% | 6,216 |
| Credit loss provision to net charge-offs | 39.0805% | 4,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9681% | 6,300 |
| Assets per employee ($millions) | 5.7077% | 1,468 |
| Cash dividends to net income (ytd only)* | 3.2747% | 4,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 4,704 |
| Loan loss allowance to noncurrent loans | 175.0159% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 1.0562% | 3,303 |
| Noncurrent loans to loans | 0.6809% | 4,272 |
| Net loans and leases to total assets | 78.6642% | 747 |
| Net loans and leases to deposits | 92.6532% | 992 |
| Net loans and leases to core deposits | 105.8430% | 800 |
| Total domestic deposits to total assets | 84.9018% | 3,795 |
| Equity capital to assets | 8.9721% | 5,070 |
| Core capital (leverage) ratio | 8.7789% | 5,313 |
| Tier 1 risk-based capital ratio | 10.4419% | 6,387 |
| Total risk-based capital ratio | 11.6146% | 6,369 |
| Memoranda: | ||
| Average total assets | $2,722,954,600 | 277 |
| Average earning assets | $2,506,614,000 | 274 |
| Average equity | $245,413,400 | 325 |
| Average total loans | $2,171,614,000 | 237 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 2,156 |
| Cost of funding earning assets | 0.6507% | 2,353 |
| Net interest margin | 3.8693% | 2,380 |
| Noninterest income to average assets | 1.6220% | 557 |
| Noninterest expense to average assets | 2.6605% | 4,159 |
| Loan and lease loss provision to assets | -0.0625% | 6,566 |
| Net operating income to assets | 1.5627% | 808 |
| Return on assets (ROA) | 1.5785% | 827 |
| Pretax return on assets | 2.6009% | 219 |
| Return on Equity (ROE) | 17.4929% | 491 |
| Retained earnings to average equity (ytd only) | 17.4929% | 119 |
| Net charge-offs to loans | -0.0263% | 6,132 |
| Credit loss provision to net charge-offs | 298.3373% | 857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0216% | 6,399 |
| Assets per employee ($millions) | 5.5693% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 4,928 |
| Loan loss allowance to noncurrent loans | 120.1105% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.3281% | 2,979 |
| Noncurrent loans to loans | 0.9874% | 3,838 |
| Net loans and leases to total assets | 78.7031% | 684 |
| Net loans and leases to deposits | 92.4636% | 951 |
| Net loans and leases to core deposits | 105.4417% | 788 |
| Total domestic deposits to total assets | 85.1180% | 3,679 |
| Equity capital to assets | 9.2265% | 4,902 |
| Core capital (leverage) ratio | 8.7986% | 5,415 |
| Tier 1 risk-based capital ratio | 10.5996% | 6,423 |
| Total risk-based capital ratio | 11.7650% | 6,419 |
| Memoranda: | ||
| Average total assets | $2,678,819,750 | 279 |
| Average earning assets | $2,459,259,250 | 276 |
| Average equity | $241,730,250 | 327 |
| Average total loans | $2,137,424,250 | 238 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5841% | 1,895 |
| Cost of funding earning assets | 0.6527% | 2,467 |
| Net interest margin | 3.9314% | 2,105 |
| Noninterest income to average assets | 1.0833% | 1,306 |
| Noninterest expense to average assets | 2.6432% | 4,240 |
| Loan and lease loss provision to assets | -0.0955% | 6,707 |
| Net operating income to assets | 1.3428% | 1,218 |
| Return on assets (ROA) | 1.3518% | 1,274 |
| Pretax return on assets | 2.1467% | 460 |
| Return on Equity (ROE) | 15.0999% | 793 |
| Retained earnings to average equity (ytd only) | 15.0999% | 230 |
| Net charge-offs to loans | -0.0122% | 5,818 |
| Credit loss provision to net charge-offs | 978.2946% | 317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8923% | 6,067 |
| Assets per employee ($millions) | 4.7460% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 4,956 |
| Loan loss allowance to noncurrent loans | 122.2269% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.3377% | 3,099 |
| Noncurrent loans to loans | 0.9869% | 3,964 |
| Net loans and leases to total assets | 78.7296% | 667 |
| Net loans and leases to deposits | 92.2073% | 940 |
| Net loans and leases to core deposits | 105.3834% | 772 |
| Total domestic deposits to total assets | 85.3833% | 3,708 |
| Equity capital to assets | 8.9307% | 5,293 |
| Core capital (leverage) ratio | 8.1643% | 6,042 |
| Tier 1 risk-based capital ratio | 9.6775% | 6,698 |
| Total risk-based capital ratio | 10.8543% | 6,689 |
| Memoranda: | ||
| Average total assets | $2,643,536,000 | 281 |
| Average earning assets | $2,418,687,000 | 280 |
| Average equity | $236,664,000 | 332 |
| Average total loans | $2,110,590,670 | 241 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 2,071 |
| Cost of funding earning assets | 0.6493% | 2,665 |
| Net interest margin | 3.8795% | 2,182 |
| Noninterest income to average assets | 1.0262% | 1,409 |
| Noninterest expense to average assets | 2.6707% | 4,183 |
| Loan and lease loss provision to assets | 0.0919% | 3,125 |
| Net operating income to assets | 1.1412% | 1,715 |
| Return on assets (ROA) | 1.1412% | 1,827 |
| Pretax return on assets | 1.8027% | 881 |
| Return on Equity (ROE) | 12.7311% | 1,233 |
| Retained earnings to average equity (ytd only) | 12.7311% | 588 |
| Net charge-offs to loans | -0.0086% | 5,393 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8463% | 5,983 |
| Assets per employee ($millions) | 4.7056% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 4,638 |
| Loan loss allowance to noncurrent loans | 128.5179% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 1.3548% | 3,246 |
| Noncurrent loans to loans | 1.0206% | 4,092 |
| Net loans and leases to total assets | 79.4679% | 474 |
| Net loans and leases to deposits | 95.8522% | 553 |
| Net loans and leases to core deposits | 110.3280% | 490 |
| Total domestic deposits to total assets | 82.9067% | 4,883 |
| Equity capital to assets | 9.0252% | 5,454 |
| Core capital (leverage) ratio | 7.8865% | 6,229 |
| Tier 1 risk-based capital ratio | 9.3708% | 6,778 |
| Total risk-based capital ratio | 10.6226% | 6,772 |
| Memoranda: | ||
| Average total assets | $2,612,689,500 | 288 |
| Average earning assets | $2,383,395,500 | 284 |
| Average equity | $234,198,000 | 338 |
| Average total loans | $2,087,975,500 | 246 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7686% | 2,324 |
| Cost of funding earning assets | 0.6913% | 3,565 |
| Net interest margin | 4.0773% | 2,092 |
| Noninterest income to average assets | 0.9106% | 1,831 |
| Noninterest expense to average assets | 2.9643% | 3,406 |
| Loan and lease loss provision to assets | 0.1444% | 3,801 |
| Net operating income to assets | 0.9101% | 2,766 |
| Return on assets (ROA) | 0.9061% | 3,026 |
| Pretax return on assets | 1.4691% | 1,785 |
| Return on Equity (ROE) | 9.7650% | 2,282 |
| Retained earnings to average equity (ytd only) | 9.7650% | 642 |
| Net charge-offs to loans | 0.1410% | 4,285 |
| Credit loss provision to net charge-offs | 133.1097% | 2,105 |
| Earnings coverage of net charge-offs (x) | 14.9353% | 1,689 |
| Efficiency ratio | 63.0511% | 5,066 |
| Assets per employee ($millions) | 4.7010% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 4,533 |
| Loan loss allowance to noncurrent loans | 129.4011% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 1.3678% | 3,345 |
| Noncurrent loans to loans | 1.0191% | 4,165 |
| Net loans and leases to total assets | 78.2552% | 647 |
| Net loans and leases to deposits | 98.5810% | 477 |
| Net loans and leases to core deposits | 111.9119% | 475 |
| Total domestic deposits to total assets | 79.3816% | 5,807 |
| Equity capital to assets | 8.9017% | 5,631 |
| Core capital (leverage) ratio | 7.9219% | 6,267 |
| Tier 1 risk-based capital ratio | 9.2021% | 6,835 |
| Total risk-based capital ratio | 10.4543% | 6,831 |
| Memoranda: | ||
| Average total assets | $2,336,585,600 | 312 |
| Average earning assets | $2,105,107,000 | 309 |
| Average equity | $216,816,000 | 346 |
| Average total loans | $1,796,757,000 | 267 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8179% | 2,323 |
| Cost of funding earning assets | 0.7012% | 3,765 |
| Net interest margin | 4.1168% | 2,030 |
| Noninterest income to average assets | 0.8507% | 2,030 |
| Noninterest expense to average assets | 2.8993% | 3,600 |
| Loan and lease loss provision to assets | 0.1055% | 4,250 |
| Net operating income to assets | 0.9607% | 2,700 |
| Return on assets (ROA) | 0.9552% | 2,944 |
| Pretax return on assets | 1.5405% | 1,752 |
| Return on Equity (ROE) | 10.1758% | 2,266 |
| Retained earnings to average equity (ytd only) | 10.1758% | 871 |
| Net charge-offs to loans | 0.0629% | 4,793 |
| Credit loss provision to net charge-offs | 220.0734% | 1,265 |
| Earnings coverage of net charge-offs (x) | 34.5103% | 979 |
| Efficiency ratio | 62.1706% | 5,126 |
| Assets per employee ($millions) | 5.0510% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 4,224 |
| Loan loss allowance to noncurrent loans | 98.5941% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.6401% | 3,121 |
| Noncurrent loans to loans | 1.4547% | 3,623 |
| Net loans and leases to total assets | 76.8475% | 863 |
| Net loans and leases to deposits | 94.3434% | 763 |
| Net loans and leases to core deposits | 108.5452% | 630 |
| Total domestic deposits to total assets | 81.4551% | 5,205 |
| Equity capital to assets | 9.3263% | 5,437 |
| Core capital (leverage) ratio | 8.1433% | 6,193 |
| Tier 1 risk-based capital ratio | 10.0583% | 6,785 |
| Total risk-based capital ratio | 11.3131% | 6,759 |
| Memoranda: | ||
| Average total assets | $2,271,993,500 | 318 |
| Average earning assets | $2,043,788,250 | 314 |
| Average equity | $213,271,250 | 351 |
| Average total loans | $1,731,490,000 | 271 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8855% | 2,171 |
| Cost of funding earning assets | 0.6971% | 4,036 |
| Net interest margin | 4.1883% | 1,782 |
| Noninterest income to average assets | 0.7148% | 2,581 |
| Noninterest expense to average assets | 2.8662% | 3,760 |
| Loan and lease loss provision to assets | 0.0819% | 4,576 |
| Net operating income to assets | 0.9502% | 2,658 |
| Return on assets (ROA) | 0.9416% | 2,964 |
| Pretax return on assets | 1.5210% | 1,802 |
| Return on Equity (ROE) | 10.0077% | 2,346 |
| Retained earnings to average equity (ytd only) | 10.0077% | 972 |
| Net charge-offs to loans | -0.1016% | 6,864 |
| Credit loss provision to net charge-offs | -106.5805% | 6,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5795% | 5,152 |
| Assets per employee ($millions) | 5.0244% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 3,758 |
| Loan loss allowance to noncurrent loans | 92.1140% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.7623% | 3,087 |
| Noncurrent loans to loans | 1.6893% | 3,362 |
| Net loans and leases to total assets | 75.6481% | 1,014 |
| Net loans and leases to deposits | 95.1847% | 681 |
| Net loans and leases to core deposits | 107.2778% | 694 |
| Total domestic deposits to total assets | 79.4750% | 5,866 |
| Equity capital to assets | 9.1628% | 5,505 |
| Core capital (leverage) ratio | 8.6833% | 5,402 |
| Tier 1 risk-based capital ratio | 10.6623% | 6,631 |
| Total risk-based capital ratio | 11.9163% | 6,617 |
| Memoranda: | ||
| Average total assets | $2,216,116,330 | 324 |
| Average earning assets | $1,993,545,330 | 320 |
| Average equity | $208,519,330 | 354 |
| Average total loans | $1,674,629,670 | 278 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0985% | 1,576 |
| Cost of funding earning assets | 0.7153% | 4,151 |
| Net interest margin | 4.3832% | 1,265 |
| Noninterest income to average assets | 0.6737% | 2,792 |
| Noninterest expense to average assets | 3.1026% | 2,908 |
| Loan and lease loss provision to assets | -0.1015% | 7,181 |
| Net operating income to assets | 1.0083% | 2,450 |
| Return on assets (ROA) | 1.0083% | 2,638 |
| Pretax return on assets | 1.6155% | 1,523 |
| Return on Equity (ROE) | 10.5651% | 2,206 |
| Retained earnings to average equity (ytd only) | 10.5651% | 1,152 |
| Net charge-offs to loans | -0.2916% | 7,061 |
| Credit loss provision to net charge-offs | 46.5077% | 3,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8449% | 4,587 |
| Assets per employee ($millions) | 4.5920% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 3,583 |
| Loan loss allowance to noncurrent loans | 89.5656% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.9356% | 2,990 |
| Noncurrent loans to loans | 1.8293% | 3,368 |
| Net loans and leases to total assets | 74.1112% | 1,041 |
| Net loans and leases to deposits | 90.7039% | 901 |
| Net loans and leases to core deposits | 102.6051% | 830 |
| Total domestic deposits to total assets | 81.7068% | 5,394 |
| Equity capital to assets | 9.5610% | 4,708 |
| Core capital (leverage) ratio | 8.6805% | 5,335 |
| Tier 1 risk-based capital ratio | 11.2071% | 6,441 |
| Total risk-based capital ratio | 12.4621% | 6,419 |
| Memoranda: | ||
| Average total assets | $2,150,974,000 | 329 |
| Average earning assets | $1,934,854,000 | 327 |
| Average equity | $205,280,500 | 357 |
| Average total loans | $1,610,412,500 | 283 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3077% | 5,740 |
| Cost of funding earning assets | 0.8218% | 4,694 |
| Net interest margin | 3.4859% | 5,199 |
| Noninterest income to average assets | 0.3224% | 5,238 |
| Noninterest expense to average assets | 1.8458% | 6,904 |
| Loan and lease loss provision to assets | 0.6562% | 1,549 |
| Net operating income to assets | 0.5972% | 4,010 |
| Return on assets (ROA) | 0.6253% | 4,057 |
| Pretax return on assets | 1.0063% | 3,221 |
| Return on Equity (ROE) | 7.5159% | 3,140 |
| Retained earnings to average equity (ytd only) | 7.5159% | 1,272 |
| Net charge-offs to loans | 0.5926% | 2,674 |
| Credit loss provision to net charge-offs | 141.8843% | 2,054 |
| Earnings coverage of net charge-offs (x) | 3.4997% | 3,496 |
| Efficiency ratio | 53.0406% | 6,609 |
| Assets per employee ($millions) | 4.5904% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 3,314 |
| Loan loss allowance to noncurrent loans | 81.1748% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 2.1225% | 2,825 |
| Noncurrent loans to loans | 2.0539% | 3,138 |
| Net loans and leases to total assets | 73.1386% | 1,428 |
| Net loans and leases to deposits | 90.0529% | 1,152 |
| Net loans and leases to core deposits | 102.9764% | 966 |
| Total domestic deposits to total assets | 81.2174% | 5,380 |
| Equity capital to assets | 9.5258% | 4,845 |
| Core capital (leverage) ratio | 15.2516% | 569 |
| Tier 1 risk-based capital ratio | 11.0953% | 6,404 |
| Total risk-based capital ratio | 12.3521% | 6,382 |
| Memoranda: | ||
| Average total assets | $1,266,882,800 | 516 |
| Average earning assets | $1,141,866,600 | 517 |
| Average equity | $105,403,200 | 653 |
| Average total loans | $988,747,600 | 425 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9928% | 3,118 |
| Cost of funding earning assets | 1.0068% | 3,631 |
| Net interest margin | 3.9860% | 2,971 |
| Noninterest income to average assets | 0.2987% | 5,475 |
| Noninterest expense to average assets | 2.1694% | 6,345 |
| Loan and lease loss provision to assets | 0.5902% | 1,668 |
| Net operating income to assets | 0.7278% | 3,472 |
| Return on assets (ROA) | 0.7730% | 3,447 |
| Pretax return on assets | 1.2200% | 2,560 |
| Return on Equity (ROE) | 10.0216% | 2,190 |
| Retained earnings to average equity (ytd only) | 10.0216% | 838 |
| Net charge-offs to loans | 0.2666% | 3,774 |
| Credit loss provision to net charge-offs | 277.0648% | 1,033 |
| Earnings coverage of net charge-offs (x) | 8.1670% | 2,224 |
| Efficiency ratio | 55.4962% | 6,339 |
| Assets per employee ($millions) | 6.3830% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7019% | 3,261 |
| Loan loss allowance to noncurrent loans | 153.1845% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 1.0302% | 4,705 |
| Noncurrent loans to loans | 1.1110% | 4,701 |
| Net loans and leases to total assets | 77.3281% | 799 |
| Net loans and leases to deposits | 94.1272% | 825 |
| Net loans and leases to core deposits | 114.1321% | 548 |
| Total domestic deposits to total assets | 82.1527% | 5,033 |
| Equity capital to assets | 7.5579% | 6,915 |
| Core capital (leverage) ratio | 7.0925% | 6,931 |
| Tier 1 risk-based capital ratio | 8.8485% | 7,129 |
| Total risk-based capital ratio | 10.1043% | 7,133 |
| Memoranda: | ||
| Average total assets | $1,053,412,000 | 630 |
| Average earning assets | $954,147,250 | 631 |
| Average equity | $81,249,250 | 827 |
| Average total loans | $841,585,000 | 500 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9958% | 3,175 |
| Cost of funding earning assets | 1.0256% | 3,778 |
| Net interest margin | 3.9702% | 2,991 |
| Noninterest income to average assets | 0.3579% | 5,025 |
| Noninterest expense to average assets | 2.2337% | 6,292 |
| Loan and lease loss provision to assets | 0.4507% | 2,166 |
| Net operating income to assets | 0.8058% | 3,045 |
| Return on assets (ROA) | 0.8755% | 2,844 |
| Pretax return on assets | 1.3793% | 1,862 |
| Return on Equity (ROE) | 11.2662% | 1,708 |
| Retained earnings to average equity (ytd only) | 11.2662% | 622 |
| Net charge-offs to loans | 0.2607% | 3,586 |
| Credit loss provision to net charge-offs | 215.2052% | 1,384 |
| Earnings coverage of net charge-offs (x) | 8.2183% | 2,096 |
| Efficiency ratio | 56.4788% | 6,368 |
| Assets per employee ($millions) | 6.6496% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 3,854 |
| Loan loss allowance to noncurrent loans | 117.8947% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.2480% | 4,403 |
| Noncurrent loans to loans | 1.3253% | 4,436 |
| Net loans and leases to total assets | 78.7697% | 674 |
| Net loans and leases to deposits | 96.5566% | 683 |
| Net loans and leases to core deposits | 118.7925% | 448 |
| Total domestic deposits to total assets | 81.5787% | 5,325 |
| Equity capital to assets | 7.6225% | 6,892 |
| Core capital (leverage) ratio | 7.2078% | 6,915 |
| Tier 1 risk-based capital ratio | 8.8571% | 7,192 |
| Total risk-based capital ratio | 10.1113% | 7,191 |
| Memoranda: | ||
| Average total assets | $1,023,698,330 | 661 |
| Average earning assets | $927,462,330 | 651 |
| Average equity | $79,548,000 | 847 |
| Average total loans | $822,509,670 | 517 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0434% | 2,891 |
| Cost of funding earning assets | 1.0539% | 3,829 |
| Net interest margin | 3.9894% | 2,729 |
| Noninterest income to average assets | 0.4171% | 4,568 |
| Noninterest expense to average assets | 2.3333% | 6,095 |
| Loan and lease loss provision to assets | 0.4142% | 2,119 |
| Net operating income to assets | 0.8309% | 2,879 |
| Return on assets (ROA) | 0.8808% | 2,722 |
| Pretax return on assets | 1.3760% | 1,791 |
| Return on Equity (ROE) | 11.2187% | 1,672 |
| Retained earnings to average equity (ytd only) | 11.2187% | 859 |
| Net charge-offs to loans | 0.2785% | 2,954 |
| Credit loss provision to net charge-offs | 184.7397% | 1,590 |
| Earnings coverage of net charge-offs (x) | 7.6355% | 1,923 |
| Efficiency ratio | 57.6774% | 6,305 |
| Assets per employee ($millions) | 6.5434% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 3,984 |
| Loan loss allowance to noncurrent loans | 229.5226% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 5,600 |
| Noncurrent loans to loans | 0.6733% | 5,683 |
| Net loans and leases to total assets | 79.3148% | 589 |
| Net loans and leases to deposits | 95.1245% | 744 |
| Net loans and leases to core deposits | 118.4728% | 461 |
| Total domestic deposits to total assets | 83.3800% | 4,753 |
| Equity capital to assets | 7.7320% | 6,726 |
| Core capital (leverage) ratio | 7.3764% | 6,811 |
| Tier 1 risk-based capital ratio | 9.0281% | 7,218 |
| Total risk-based capital ratio | 10.2822% | 7,225 |
| Memoranda: | ||
| Average total assets | $993,603,000 | 676 |
| Average earning assets | $903,684,000 | 672 |
| Average equity | $78,012,500 | 859 |
| Average total loans | $800,100,500 | 537 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1006% | 4,095 |
| Cost of funding earning assets | 1.3429% | 3,629 |
| Net interest margin | 3.7577% | 4,118 |
| Noninterest income to average assets | 0.3893% | 4,982 |
| Noninterest expense to average assets | 2.0521% | 6,940 |
| Loan and lease loss provision to assets | 0.7166% | 2,288 |
| Net operating income to assets | 0.6522% | 3,427 |
| Return on assets (ROA) | 0.6541% | 3,566 |
| Pretax return on assets | 1.0318% | 2,833 |
| Return on Equity (ROE) | 7.7791% | 2,786 |
| Retained earnings to average equity (ytd only) | 7.7791% | 1,047 |
| Net charge-offs to loans | 0.5118% | 3,569 |
| Credit loss provision to net charge-offs | 176.9989% | 1,878 |
| Earnings coverage of net charge-offs (x) | 4.3114% | 2,970 |
| Efficiency ratio | 54.0369% | 6,803 |
| Assets per employee ($millions) | 6.7125% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5942% | 3,596 |
| Loan loss allowance to noncurrent loans | 205.0100% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.7956% | 5,419 |
| Noncurrent loans to loans | 0.7776% | 5,487 |
| Net loans and leases to total assets | 79.2051% | 768 |
| Net loans and leases to deposits | 99.9702% | 579 |
| Net loans and leases to core deposits | 119.7770% | 534 |
| Total domestic deposits to total assets | 79.2287% | 6,025 |
| Equity capital to assets | 7.9793% | 6,516 |
| Core capital (leverage) ratio | 7.5424% | 6,665 |
| Tier 1 risk-based capital ratio | 9.4082% | 7,159 |
| Total risk-based capital ratio | 10.6630% | 7,163 |
| Memoranda: | ||
| Average total assets | $877,360,400 | 772 |
| Average earning assets | $795,749,600 | 766 |
| Average equity | $73,775,000 | 903 |
| Average total loans | $693,955,600 | 632 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0679% | 4,492 |
| Cost of funding earning assets | 1.3910% | 3,630 |
| Net interest margin | 3.6769% | 4,515 |
| Noninterest income to average assets | 0.2518% | 6,090 |
| Noninterest expense to average assets | 2.0046% | 7,040 |
| Loan and lease loss provision to assets | 0.5850% | 2,594 |
| Net operating income to assets | 0.6311% | 3,747 |
| Return on assets (ROA) | 0.6337% | 3,902 |
| Pretax return on assets | 0.9996% | 3,186 |
| Return on Equity (ROE) | 7.4301% | 3,134 |
| Retained earnings to average equity (ytd only) | 7.4301% | 1,628 |
| Net charge-offs to loans | 0.1149% | 5,388 |
| Credit loss provision to net charge-offs | 646.9880% | 453 |
| Earnings coverage of net charge-offs (x) | 17.4801% | 1,323 |
| Efficiency ratio | 55.9144% | 6,569 |
| Assets per employee ($millions) | 6.9100% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7733% | 2,880 |
| Loan loss allowance to noncurrent loans | 150.1000% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 1.2398% | 4,672 |
| Noncurrent loans to loans | 1.1814% | 4,880 |
| Net loans and leases to total assets | 77.4907% | 1,127 |
| Net loans and leases to deposits | 95.6276% | 1,032 |
| Net loans and leases to core deposits | 117.9080% | 687 |
| Total domestic deposits to total assets | 81.0338% | 5,351 |
| Equity capital to assets | 8.3058% | 6,501 |
| Core capital (leverage) ratio | 7.8459% | 6,521 |
| Tier 1 risk-based capital ratio | 9.8713% | 7,127 |
| Total risk-based capital ratio | 11.1284% | 7,116 |
| Memoranda: | ||
| Average total assets | $856,727,500 | 789 |
| Average earning assets | $776,689,000 | 785 |
| Average equity | $73,070,500 | 909 |
| Average total loans | $674,294,500 | 647 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0279% | 4,814 |
| Cost of funding earning assets | 1.4457% | 3,587 |
| Net interest margin | 3.5822% | 4,891 |
| Noninterest income to average assets | 0.2143% | 6,387 |
| Noninterest expense to average assets | 1.9574% | 7,175 |
| Loan and lease loss provision to assets | 0.6000% | 2,390 |
| Net operating income to assets | 0.5725% | 3,981 |
| Return on assets (ROA) | 0.5764% | 4,109 |
| Pretax return on assets | 0.9085% | 3,461 |
| Return on Equity (ROE) | 6.6949% | 3,441 |
| Retained earnings to average equity (ytd only) | 6.6949% | 1,978 |
| Net charge-offs to loans | 0.1141% | 5,031 |
| Credit loss provision to net charge-offs | 668.8830% | 556 |
| Earnings coverage of net charge-offs (x) | 16.7473% | 1,387 |
| Efficiency ratio | 56.5754% | 6,566 |
| Assets per employee ($millions) | 7.3023% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6780% | 3,158 |
| Loan loss allowance to noncurrent loans | 134.2919% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 1.3077% | 4,536 |
| Noncurrent loans to loans | 1.2495% | 4,877 |
| Net loans and leases to total assets | 78.3765% | 1,048 |
| Net loans and leases to deposits | 100.0597% | 717 |
| Net loans and leases to core deposits | 127.1472% | 483 |
| Total domestic deposits to total assets | 78.3297% | 6,194 |
| Equity capital to assets | 8.4103% | 6,284 |
| Core capital (leverage) ratio | 8.0347% | 6,226 |
| Tier 1 risk-based capital ratio | 9.4419% | 7,288 |
| Total risk-based capital ratio | 10.6968% | 7,291 |
| Memoranda: | ||
| Average total assets | $838,265,000 | 808 |
| Average earning assets | $759,476,670 | 810 |
| Average equity | $72,174,670 | 916 |
| Average total loans | $659,204,670 | 664 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0817% | 4,623 |
| Cost of funding earning assets | 1.5376% | 3,347 |
| Net interest margin | 3.5441% | 4,973 |
| Noninterest income to average assets | 0.2392% | 6,238 |
| Noninterest expense to average assets | 1.9501% | 7,251 |
| Loan and lease loss provision to assets | 0.4839% | 2,563 |
| Net operating income to assets | 0.6451% | 3,690 |
| Return on assets (ROA) | 0.6533% | 3,766 |
| Pretax return on assets | 1.0356% | 2,954 |
| Return on Equity (ROE) | 7.4944% | 3,120 |
| Retained earnings to average equity (ytd only) | 7.4944% | 1,929 |
| Net charge-offs to loans | 0.0231% | 5,253 |
| Credit loss provision to net charge-offs | 2,678.3784% | 190 |
| Earnings coverage of net charge-offs (x) | 83.4054% | 379 |
| Efficiency ratio | 56.4124% | 6,713 |
| Assets per employee ($millions) | 7.4220% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6081% | 3,402 |
| Loan loss allowance to noncurrent loans | 410.7602% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 6,705 |
| Noncurrent loans to loans | 0.3915% | 6,497 |
| Net loans and leases to total assets | 77.5516% | 1,231 |
| Net loans and leases to deposits | 95.3315% | 1,190 |
| Net loans and leases to core deposits | 121.0730% | 744 |
| Total domestic deposits to total assets | 81.3495% | 5,329 |
| Equity capital to assets | 8.6962% | 5,739 |
| Core capital (leverage) ratio | 8.1912% | 5,919 |
| Tier 1 risk-based capital ratio | 9.8725% | 7,110 |
| Total risk-based capital ratio | 11.1266% | 7,104 |
| Memoranda: | ||
| Average total assets | $819,258,000 | 842 |
| Average earning assets | $743,769,000 | 846 |
| Average equity | $71,413,000 | 929 |
| Average total loans | $639,548,000 | 716 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3511% | 4,937 |
| Cost of funding earning assets | 1.7143% | 4,436 |
| Net interest margin | 3.6368% | 4,400 |
| Noninterest income to average assets | 0.0953% | 7,291 |
| Noninterest expense to average assets | 2.0555% | 7,275 |
| Loan and lease loss provision to assets | 0.3598% | 4,645 |
| Net operating income to assets | 0.6349% | 3,197 |
| Return on assets (ROA) | 0.6349% | 3,255 |
| Pretax return on assets | 1.0380% | 2,463 |
| Return on Equity (ROE) | 7.3513% | 2,643 |
| Retained earnings to average equity (ytd only) | 7.3513% | 860 |
| Net charge-offs to loans | 0.0073% | 7,132 |
| Credit loss provision to net charge-offs | 6,158.5366% | 52 |
| Earnings coverage of net charge-offs (x) | 239.2683% | 117 |
| Efficiency ratio | 59.5230% | 6,554 |
| Assets per employee ($millions) | 7.5444% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 3,548 |
| Loan loss allowance to noncurrent loans | 441.7704% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 6,782 |
| Noncurrent loans to loans | 0.3477% | 6,583 |
| Net loans and leases to total assets | 76.1001% | 1,767 |
| Net loans and leases to deposits | 94.3211% | 1,555 |
| Net loans and leases to core deposits | 127.7066% | 1,407 |
| Total domestic deposits to total assets | 80.6819% | 5,445 |
| Equity capital to assets | 8.7380% | 5,534 |
| Core capital (leverage) ratio | 8.2766% | 5,660 |
| Tier 1 risk-based capital ratio | 10.1405% | 6,753 |
| Total risk-based capital ratio | 11.3938% | 6,715 |
| Memoranda: | ||
| Average total assets | $701,821,000 | 979 |
| Average earning assets | $648,020,600 | 961 |
| Average equity | $60,615,000 | 1,096 |
| Average total loans | $564,497,800 | 844 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3989% | 4,956 |
| Cost of funding earning assets | 1.6974% | 4,915 |
| Net interest margin | 3.7015% | 4,065 |
| Noninterest income to average assets | 0.0847% | 7,475 |
| Noninterest expense to average assets | 2.0183% | 7,349 |
| Loan and lease loss provision to assets | 0.4187% | 3,812 |
| Net operating income to assets | 0.6739% | 3,300 |
| Return on assets (ROA) | 0.6739% | 3,362 |
| Pretax return on assets | 1.0831% | 2,634 |
| Return on Equity (ROE) | 7.8300% | 2,717 |
| Retained earnings to average equity (ytd only) | 7.8300% | 1,188 |
| Net charge-offs to loans | -0.0007% | 7,576 |
| Credit loss provision to net charge-offs | -70,700.0000% | 7,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3375% | 6,820 |
| Assets per employee ($millions) | 7.4570% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 3,247 |
| Loan loss allowance to noncurrent loans | 2,673.0435% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 7,455 |
| Noncurrent loans to loans | 0.0575% | 7,359 |
| Net loans and leases to total assets | 78.4236% | 1,499 |
| Net loans and leases to deposits | 98.0965% | 1,319 |
| Net loans and leases to core deposits | 130.4614% | 1,407 |
| Total domestic deposits to total assets | 79.9453% | 5,450 |
| Equity capital to assets | 8.7923% | 5,813 |
| Core capital (leverage) ratio | 8.5571% | 5,383 |
| Tier 1 risk-based capital ratio | 10.2599% | 6,725 |
| Total risk-based capital ratio | 11.5132% | 6,663 |
| Memoranda: | ||
| Average total assets | $675,463,000 | 1,027 |
| Average earning assets | $626,907,500 | 1,015 |
| Average equity | $58,134,250 | 1,153 |
| Average total loans | $549,646,750 | 887 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3742% | 5,283 |
| Cost of funding earning assets | 1.6657% | 5,445 |
| Net interest margin | 3.7085% | 3,917 |
| Noninterest income to average assets | 0.0730% | 7,621 |
| Noninterest expense to average assets | 2.0571% | 7,362 |
| Loan and lease loss provision to assets | 0.4369% | 3,367 |
| Net operating income to assets | 0.6383% | 3,513 |
| Return on assets (ROA) | 0.6383% | 3,618 |
| Pretax return on assets | 1.0278% | 2,893 |
| Return on Equity (ROE) | 7.4785% | 2,993 |
| Retained earnings to average equity (ytd only) | 7.4785% | 1,397 |
| Net charge-offs to loans | -0.0008% | 7,462 |
| Credit loss provision to net charge-offs | -70,950.0000% | 7,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4106% | 6,785 |
| Assets per employee ($millions) | 7.6351% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 3,326 |
| Loan loss allowance to noncurrent loans | 469.8842% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 6,856 |
| Noncurrent loans to loans | 0.3141% | 6,726 |
| Net loans and leases to total assets | 78.4124% | 1,658 |
| Net loans and leases to deposits | 102.8180% | 1,011 |
| Net loans and leases to core deposits | 138.3291% | 1,087 |
| Total domestic deposits to total assets | 76.2633% | 6,493 |
| Equity capital to assets | 8.3173% | 6,307 |
| Core capital (leverage) ratio | 8.3895% | 5,642 |
| Tier 1 risk-based capital ratio | 9.9593% | 6,976 |
| Total risk-based capital ratio | 11.2119% | 6,898 |
| Memoranda: | ||
| Average total assets | $649,563,670 | 1,099 |
| Average earning assets | $604,068,000 | 1,064 |
| Average equity | $55,439,000 | 1,218 |
| Average total loans | $532,903,000 | 928 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1347% | 6,552 |
| Cost of funding earning assets | 1.6567% | 5,787 |
| Net interest margin | 3.4780% | 4,813 |
| Noninterest income to average assets | 0.1439% | 7,268 |
| Noninterest expense to average assets | 2.0782% | 7,172 |
| Loan and lease loss provision to assets | 0.3897% | 2,992 |
| Net operating income to assets | 0.5761% | 4,117 |
| Return on assets (ROA) | 0.5761% | 4,313 |
| Pretax return on assets | 0.9240% | 3,624 |
| Return on Equity (ROE) | 6.6497% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.6497% | 2,350 |
| Net charge-offs to loans | -0.0008% | 7,098 |
| Credit loss provision to net charge-offs | -59,600.0000% | 6,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2686% | 6,207 |
| Assets per employee ($millions) | 7.4960% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 3,193 |
| Loan loss allowance to noncurrent loans | 1,948.1013% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 7,419 |
| Noncurrent loans to loans | 0.0748% | 7,312 |
| Net loans and leases to total assets | 79.8400% | 1,423 |
| Net loans and leases to deposits | 107.6580% | 751 |
| Net loans and leases to core deposits | 142.6498% | 980 |
| Total domestic deposits to total assets | 74.1608% | 6,859 |
| Equity capital to assets | 8.1340% | 6,621 |
| Core capital (leverage) ratio | 8.7204% | 5,118 |
| Tier 1 risk-based capital ratio | 9.4485% | 7,469 |
| Total risk-based capital ratio | 10.7003% | 7,418 |
| Memoranda: | ||
| Average total assets | $611,679,000 | 1,165 |
| Average earning assets | $571,253,500 | 1,144 |
| Average equity | $52,994,500 | 1,280 |
| Average total loans | $510,719,500 | 979 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7886% | 6,471 |
| Cost of funding earning assets | 2.0901% | 6,097 |
| Net interest margin | 3.6985% | 4,479 |
| Noninterest income to average assets | 0.0475% | 7,902 |
| Noninterest expense to average assets | 2.0416% | 7,366 |
| Loan and lease loss provision to assets | 0.9464% | 1,562 |
| Net operating income to assets | 0.5056% | 4,705 |
| Return on assets (ROA) | 0.0029% | 6,223 |
| Pretax return on assets | -0.2523% | 6,412 |
| Return on Equity (ROE) | 0.0238% | 6,224 |
| Retained earnings to average equity (ytd only) | 0.0238% | 5,225 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9820% | 6,697 |
| Assets per employee ($millions) | 6.8001% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 2,971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 85.0774% | 726 |
| Net loans and leases to deposits | 132.4104% | 178 |
| Net loans and leases to core deposits | 160.6380% | 563 |
| Total domestic deposits to total assets | 64.2528% | 7,774 |
| Equity capital to assets | 9.2686% | 4,973 |
| Core capital (leverage) ratio | 12.4544% | 1,773 |
| Tier 1 risk-based capital ratio | 9.6709% | 7,116 |
| Total risk-based capital ratio | 10.9220% | 7,011 |
| Memoranda: | ||
| Average total assets | $340,861,800 | 1,952 |
| Average earning assets | $320,127,000 | 1,901 |
| Average equity | $42,026,600 | 1,593 |
| Average total loans | $283,801,600 | 1,700 |