Home > American Bank of Texas > Performance and Condition Ratios
American Bank of Texas, Performance and Condition Ratios
| 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 | 4.1720% | 2,602 |
| Cost of funding earning assets | 0.2276% | 4,810 |
| Net interest margin | 3.9444% | 1,836 |
| Noninterest income to average assets | 0.5609% | 2,869 |
| Noninterest expense to average assets | 2.0945% | 5,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4608% | 954 |
| Return on assets (ROA) | 1.5182% | 900 |
| Pretax return on assets | 2.2124% | 378 |
| Return on Equity (ROE) | 10.3837% | 1,903 |
| Retained earnings to average equity (ytd only) | 7.7942% | 1,259 |
| Net charge-offs to loans | 0.0049% | 3,738 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 679.9775% | 138 |
| Efficiency ratio | 49.5896% | 5,531 |
| Assets per employee ($millions) | 5.3301% | 2,015 |
| Cash dividends to net income (ytd only)* | 24.9381% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 2,345 |
| Loan loss allowance to noncurrent loans | 196.7209% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 2.0326% | 765 |
| Noncurrent loans to loans | 0.6956% | 2,944 |
| Net loans and leases to total assets | 64.7925% | 3,299 |
| Net loans and leases to deposits | 76.4037% | 3,364 |
| Net loans and leases to core deposits | 78.5382% | 3,609 |
| Total domestic deposits to total assets | 84.8028% | 2,895 |
| Equity capital to assets | 14.8930% | 764 |
| Core capital (leverage) ratio | 13.8412% | 897 |
| Tier 1 risk-based capital ratio | 16.4758% | 2,427 |
| Total risk-based capital ratio | 17.5708% | 2,440 |
| Memoranda: | ||
| Average total assets | $2,341,855,750 | 356 |
| Average earning assets | $2,174,687,750 | 347 |
| Average equity | $342,400,000 | 288 |
| Average total loans | $1,492,034,500 | 376 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 2,630 |
| Cost of funding earning assets | 0.2290% | 4,863 |
| Net interest margin | 3.9331% | 1,872 |
| Noninterest income to average assets | 0.5799% | 2,724 |
| Noninterest expense to average assets | 2.0914% | 5,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4745% | 934 |
| Return on assets (ROA) | 1.4831% | 967 |
| Pretax return on assets | 2.1538% | 411 |
| Return on Equity (ROE) | 10.2082% | 1,962 |
| Retained earnings to average equity (ytd only) | 6.3650% | 1,930 |
| Net charge-offs to loans | 0.0038% | 3,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 890.3214% | 56 |
| Efficiency ratio | 49.4094% | 5,600 |
| Assets per employee ($millions) | 4.9089% | 2,401 |
| Cash dividends to net income (ytd only)* | 37.6484% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 2,238 |
| Loan loss allowance to noncurrent loans | 179.8541% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 2.1187% | 751 |
| Noncurrent loans to loans | 0.7849% | 2,789 |
| Net loans and leases to total assets | 64.0914% | 3,348 |
| Net loans and leases to deposits | 75.4923% | 3,437 |
| Net loans and leases to core deposits | 77.6485% | 3,673 |
| Total domestic deposits to total assets | 84.8979% | 2,924 |
| Equity capital to assets | 14.8790% | 760 |
| Core capital (leverage) ratio | 13.6784% | 915 |
| Tier 1 risk-based capital ratio | 15.5578% | 2,839 |
| Total risk-based capital ratio | 16.6238% | 2,849 |
| Memoranda: | ||
| Average total assets | $2,328,293,000 | 356 |
| Average earning assets | $2,162,421,330 | 350 |
| Average equity | $338,256,000 | 290 |
| Average total loans | $1,467,670,330 | 379 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 2,793 |
| Cost of funding earning assets | 0.2321% | 4,880 |
| Net interest margin | 3.8842% | 1,982 |
| Noninterest income to average assets | 0.5339% | 2,904 |
| Noninterest expense to average assets | 2.0947% | 5,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4044% | 1,026 |
| Return on assets (ROA) | 1.4185% | 1,067 |
| Pretax return on assets | 2.0725% | 491 |
| Return on Equity (ROE) | 9.8840% | 2,037 |
| Retained earnings to average equity (ytd only) | 2.6886% | 4,165 |
| Net charge-offs to loans | 0.0042% | 2,979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 794.7333% | 59 |
| Efficiency ratio | 50.5188% | 5,597 |
| Assets per employee ($millions) | 4.9063% | 2,449 |
| Cash dividends to net income (ytd only)* | 72.7979% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 2,112 |
| Loan loss allowance to noncurrent loans | 146.7246% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 2.1125% | 803 |
| Noncurrent loans to loans | 1.0026% | 2,377 |
| Net loans and leases to total assets | 62.4566% | 3,459 |
| Net loans and leases to deposits | 73.3916% | 3,513 |
| Net loans and leases to core deposits | 75.5124% | 3,730 |
| Total domestic deposits to total assets | 85.1005% | 3,091 |
| Equity capital to assets | 14.5886% | 809 |
| Core capital (leverage) ratio | 13.4241% | 1,014 |
| Tier 1 risk-based capital ratio | 15.7683% | 2,795 |
| Total risk-based capital ratio | 16.8796% | 2,782 |
| Memoranda: | ||
| Average total assets | $2,324,125,500 | 353 |
| Average earning assets | $2,161,585,500 | 347 |
| Average equity | $333,550,500 | 291 |
| Average total loans | $1,441,995,000 | 384 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1005% | 2,917 |
| Cost of funding earning assets | 0.2455% | 4,833 |
| Net interest margin | 3.8550% | 2,184 |
| Noninterest income to average assets | 0.5791% | 2,837 |
| Noninterest expense to average assets | 2.1232% | 5,205 |
| Loan and lease loss provision to assets | -0.0134% | 5,641 |
| Net operating income to assets | 1.3871% | 1,060 |
| Return on assets (ROA) | 1.3889% | 1,099 |
| Pretax return on assets | 2.0422% | 493 |
| Return on Equity (ROE) | 9.7303% | 2,114 |
| Retained earnings to average equity (ytd only) | 7.5023% | 1,098 |
| Net charge-offs to loans | 0.0023% | 4,396 |
| Credit loss provision to net charge-offs | -937.5000% | 5,551 |
| Earnings coverage of net charge-offs (x) | 1,413.6563% | 32 |
| Efficiency ratio | 51.1690% | 5,690 |
| Assets per employee ($millions) | 5.0047% | 2,358 |
| Cash dividends to net income (ytd only)* | 22.8973% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 1,973 |
| Loan loss allowance to noncurrent loans | 80.5492% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 2.0935% | 822 |
| Noncurrent loans to loans | 1.8702% | 1,147 |
| Net loans and leases to total assets | 59.8118% | 3,863 |
| Net loans and leases to deposits | 69.7658% | 3,949 |
| Net loans and leases to core deposits | 71.8562% | 4,145 |
| Total domestic deposits to total assets | 85.7323% | 2,758 |
| Equity capital to assets | 14.1193% | 892 |
| Core capital (leverage) ratio | 13.4396% | 992 |
| Tier 1 risk-based capital ratio | 16.4496% | 2,509 |
| Total risk-based capital ratio | 17.6183% | 2,499 |
| Memoranda: | ||
| Average total assets | $2,232,593,200 | 351 |
| Average earning assets | $2,067,737,800 | 348 |
| Average equity | $318,676,200 | 287 |
| Average total loans | $1,408,432,000 | 369 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0063% | 3,312 |
| Cost of funding earning assets | 0.2484% | 4,897 |
| Net interest margin | 3.7579% | 2,531 |
| Noninterest income to average assets | 0.5852% | 2,821 |
| Noninterest expense to average assets | 2.1235% | 5,229 |
| Loan and lease loss provision to assets | -0.0181% | 5,840 |
| Net operating income to assets | 1.3336% | 1,258 |
| Return on assets (ROA) | 1.3336% | 1,310 |
| Pretax return on assets | 1.9559% | 659 |
| Return on Equity (ROE) | 9.3164% | 2,408 |
| Retained earnings to average equity (ytd only) | 6.4215% | 2,006 |
| Net charge-offs to loans | -0.0037% | 4,779 |
| Credit loss provision to net charge-offs | 769.2308% | 453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2865% | 5,634 |
| Assets per employee ($millions) | 4.7540% | 2,618 |
| Cash dividends to net income (ytd only)* | 31.0728% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 2,028 |
| Loan loss allowance to noncurrent loans | 61.1357% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 2.7391% | 589 |
| Noncurrent loans to loans | 2.5059% | 816 |
| Net loans and leases to total assets | 62.3699% | 3,553 |
| Net loans and leases to deposits | 73.2858% | 3,617 |
| Net loans and leases to core deposits | 75.5648% | 3,846 |
| Total domestic deposits to total assets | 85.1049% | 2,967 |
| Equity capital to assets | 14.6083% | 836 |
| Core capital (leverage) ratio | 13.4117% | 1,055 |
| Tier 1 risk-based capital ratio | 16.1738% | 2,724 |
| Total risk-based capital ratio | 17.3610% | 2,703 |
| Memoranda: | ||
| Average total assets | $2,203,943,750 | 358 |
| Average earning assets | $2,038,599,750 | 355 |
| Average equity | $315,493,250 | 297 |
| Average total loans | $1,404,197,750 | 374 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0527% | 3,061 |
| Cost of funding earning assets | 0.2499% | 4,944 |
| Net interest margin | 3.8028% | 2,297 |
| Noninterest income to average assets | 0.5686% | 2,915 |
| Noninterest expense to average assets | 2.0894% | 5,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3581% | 1,171 |
| Return on assets (ROA) | 1.3581% | 1,216 |
| Pretax return on assets | 1.9932% | 599 |
| Return on Equity (ROE) | 9.5530% | 2,277 |
| Retained earnings to average equity (ytd only) | 5.3297% | 2,652 |
| Net charge-offs to loans | -0.0057% | 4,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1776% | 5,782 |
| Assets per employee ($millions) | 4.7433% | 2,614 |
| Cash dividends to net income (ytd only)* | 44.2093% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5687% | 2,020 |
| Loan loss allowance to noncurrent loans | 77.7173% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 2.4706% | 772 |
| Noncurrent loans to loans | 2.0185% | 1,203 |
| Net loans and leases to total assets | 62.2762% | 3,514 |
| Net loans and leases to deposits | 72.9358% | 3,625 |
| Net loans and leases to core deposits | 75.2289% | 3,830 |
| Total domestic deposits to total assets | 85.3849% | 2,975 |
| Equity capital to assets | 14.3464% | 867 |
| Core capital (leverage) ratio | 13.3132% | 1,043 |
| Tier 1 risk-based capital ratio | 15.8903% | 2,907 |
| Total risk-based capital ratio | 17.1012% | 2,887 |
| Memoranda: | ||
| Average total assets | $2,198,557,000 | 358 |
| Average earning assets | $2,031,589,330 | 355 |
| Average equity | $312,551,330 | 301 |
| Average total loans | $1,403,524,000 | 372 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9639% | 3,364 |
| Cost of funding earning assets | 0.2522% | 4,998 |
| Net interest margin | 3.7116% | 2,579 |
| Noninterest income to average assets | 0.5437% | 2,998 |
| Noninterest expense to average assets | 2.0941% | 5,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2833% | 1,330 |
| Return on assets (ROA) | 1.2833% | 1,413 |
| Pretax return on assets | 1.8782% | 746 |
| Return on Equity (ROE) | 9.0689% | 2,415 |
| Retained earnings to average equity (ytd only) | 4.8239% | 3,163 |
| Net charge-offs to loans | -0.0128% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7174% | 5,765 |
| Assets per employee ($millions) | 4.6864% | 2,785 |
| Cash dividends to net income (ytd only)* | 46.8085% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 2,306 |
| Loan loss allowance to noncurrent loans | 89.4424% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 2.3188% | 959 |
| Noncurrent loans to loans | 1.7144% | 1,597 |
| Net loans and leases to total assets | 63.8329% | 3,114 |
| Net loans and leases to deposits | 74.7847% | 3,183 |
| Net loans and leases to core deposits | 77.4812% | 3,430 |
| Total domestic deposits to total assets | 85.3556% | 3,242 |
| Equity capital to assets | 14.2685% | 900 |
| Core capital (leverage) ratio | 13.1326% | 1,112 |
| Tier 1 risk-based capital ratio | 15.8904% | 2,975 |
| Total risk-based capital ratio | 17.1213% | 2,922 |
| Memoranda: | ||
| Average total assets | $2,197,392,000 | 357 |
| Average earning assets | $2,029,826,000 | 349 |
| Average equity | $310,953,000 | 301 |
| Average total loans | $1,409,049,500 | 363 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0342% | 3,579 |
| Cost of funding earning assets | 0.2766% | 5,031 |
| Net interest margin | 3.7576% | 2,781 |
| Noninterest income to average assets | 0.6191% | 2,744 |
| Noninterest expense to average assets | 2.2064% | 5,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2601% | 1,401 |
| Return on assets (ROA) | 1.2604% | 1,455 |
| Pretax return on assets | 1.8713% | 679 |
| Return on Equity (ROE) | 9.0201% | 2,571 |
| Retained earnings to average equity (ytd only) | 5.0124% | 2,590 |
| Net charge-offs to loans | 0.0146% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 208.7917% | 254 |
| Efficiency ratio | 54.1154% | 5,830 |
| Assets per employee ($millions) | 4.6842% | 2,752 |
| Cash dividends to net income (ytd only)* | 44.4313% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 2,210 |
| Loan loss allowance to noncurrent loans | 113.7462% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 2.0810% | 1,196 |
| Noncurrent loans to loans | 1.3758% | 2,131 |
| Net loans and leases to total assets | 62.4276% | 3,447 |
| Net loans and leases to deposits | 72.7577% | 3,590 |
| Net loans and leases to core deposits | 75.2503% | 3,795 |
| Total domestic deposits to total assets | 85.8021% | 2,947 |
| Equity capital to assets | 14.0335% | 940 |
| Core capital (leverage) ratio | 12.9063% | 1,176 |
| Tier 1 risk-based capital ratio | 16.5022% | 2,712 |
| Total risk-based capital ratio | 17.7527% | 2,661 |
| Memoranda: | ||
| Average total assets | $2,142,792,400 | 350 |
| Average earning assets | $1,972,049,600 | 344 |
| Average equity | $299,419,000 | 296 |
| Average total loans | $1,318,911,800 | 362 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 3,973 |
| Cost of funding earning assets | 0.2773% | 5,128 |
| Net interest margin | 3.6716% | 3,143 |
| Noninterest income to average assets | 0.6405% | 2,623 |
| Noninterest expense to average assets | 2.2130% | 5,325 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2144% | 1,633 |
| Return on assets (ROA) | 1.2145% | 1,696 |
| Pretax return on assets | 1.8061% | 884 |
| Return on Equity (ROE) | 8.7010% | 2,841 |
| Retained earnings to average equity (ytd only) | 4.7980% | 3,216 |
| Net charge-offs to loans | 0.0150% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 197.5498% | 324 |
| Efficiency ratio | 55.0629% | 5,739 |
| Assets per employee ($millions) | 4.7006% | 2,669 |
| Cash dividends to net income (ytd only)* | 44.8569% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 2,336 |
| Loan loss allowance to noncurrent loans | 107.1131% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 2.1698% | 1,282 |
| Noncurrent loans to loans | 1.4834% | 2,189 |
| Net loans and leases to total assets | 61.7833% | 3,515 |
| Net loans and leases to deposits | 72.0230% | 3,683 |
| Net loans and leases to core deposits | 74.5858% | 3,889 |
| Total domestic deposits to total assets | 85.7828% | 2,966 |
| Equity capital to assets | 13.8454% | 1,053 |
| Core capital (leverage) ratio | 12.9629% | 1,195 |
| Tier 1 risk-based capital ratio | 16.7078% | 2,724 |
| Total risk-based capital ratio | 17.9588% | 2,677 |
| Memoranda: | ||
| Average total assets | $2,129,273,250 | 349 |
| Average earning assets | $1,959,295,000 | 341 |
| Average equity | $297,199,500 | 295 |
| Average total loans | $1,300,325,500 | 364 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9314% | 4,008 |
| Cost of funding earning assets | 0.2816% | 5,162 |
| Net interest margin | 3.6498% | 3,145 |
| Noninterest income to average assets | 0.6788% | 2,382 |
| Noninterest expense to average assets | 2.2119% | 5,383 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2173% | 1,541 |
| Return on assets (ROA) | 1.2175% | 1,598 |
| Pretax return on assets | 1.8217% | 813 |
| Return on Equity (ROE) | 8.6986% | 2,729 |
| Retained earnings to average equity (ytd only) | 4.7349% | 3,123 |
| Net charge-offs to loans | 0.0017% | 4,338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1,746.0000% | 21 |
| Efficiency ratio | 54.8402% | 5,842 |
| Assets per employee ($millions) | 4.5472% | 2,851 |
| Cash dividends to net income (ytd only)* | 45.5678% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6377% | 2,330 |
| Loan loss allowance to noncurrent loans | 85.9158% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 2.2729% | 1,324 |
| Noncurrent loans to loans | 1.9062% | 1,794 |
| Net loans and leases to total assets | 62.1795% | 3,367 |
| Net loans and leases to deposits | 72.6994% | 3,481 |
| Net loans and leases to core deposits | 75.3473% | 3,699 |
| Total domestic deposits to total assets | 85.5296% | 3,274 |
| Equity capital to assets | 14.1159% | 923 |
| Core capital (leverage) ratio | 12.9483% | 1,172 |
| Tier 1 risk-based capital ratio | 16.6612% | 2,758 |
| Total risk-based capital ratio | 17.9125% | 2,722 |
| Memoranda: | ||
| Average total assets | $2,108,876,330 | 350 |
| Average earning assets | $1,938,265,330 | 339 |
| Average equity | $295,173,000 | 294 |
| Average total loans | $1,275,370,000 | 366 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9133% | 4,025 |
| Cost of funding earning assets | 0.2879% | 5,194 |
| Net interest margin | 3.6254% | 3,159 |
| Noninterest income to average assets | 0.6612% | 2,398 |
| Noninterest expense to average assets | 2.1504% | 5,576 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2064% | 1,473 |
| Return on assets (ROA) | 1.2064% | 1,535 |
| Pretax return on assets | 1.8377% | 753 |
| Return on Equity (ROE) | 8.6561% | 2,618 |
| Retained earnings to average equity (ytd only) | 8.3147% | 1,492 |
| Net charge-offs to loans | 0.0019% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1,609.1667% | 12 |
| Efficiency ratio | 53.9207% | 6,014 |
| Assets per employee ($millions) | 4.5904% | 2,827 |
| Cash dividends to net income (ytd only)* | 3.9445% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7282% | 2,255 |
| Loan loss allowance to noncurrent loans | 78.2590% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 2.6620% | 1,154 |
| Noncurrent loans to loans | 2.2083% | 1,645 |
| Net loans and leases to total assets | 58.9614% | 3,706 |
| Net loans and leases to deposits | 68.9073% | 3,751 |
| Net loans and leases to core deposits | 71.6725% | 3,902 |
| Total domestic deposits to total assets | 85.5663% | 3,579 |
| Equity capital to assets | 13.9922% | 916 |
| Core capital (leverage) ratio | 13.0767% | 1,136 |
| Tier 1 risk-based capital ratio | 18.4855% | 2,131 |
| Total risk-based capital ratio | 19.7386% | 2,092 |
| Memoranda: | ||
| Average total assets | $2,101,536,500 | 353 |
| Average earning assets | $1,928,485,000 | 345 |
| Average equity | $292,880,500 | 292 |
| Average total loans | $1,241,854,500 | 371 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 3,823 |
| Cost of funding earning assets | 0.3400% | 5,240 |
| Net interest margin | 3.7385% | 2,902 |
| Noninterest income to average assets | 0.6656% | 2,730 |
| Noninterest expense to average assets | 2.3875% | 5,107 |
| Loan and lease loss provision to assets | -0.0544% | 6,395 |
| Net operating income to assets | 1.1551% | 1,738 |
| Return on assets (ROA) | 1.1589% | 1,782 |
| Pretax return on assets | 1.7387% | 877 |
| Return on Equity (ROE) | 8.3012% | 2,883 |
| Retained earnings to average equity (ytd only) | 5.0061% | 2,592 |
| Net charge-offs to loans | 0.0061% | 5,346 |
| Credit loss provision to net charge-offs | -1,473.3333% | 6,278 |
| Earnings coverage of net charge-offs (x) | 454.9333% | 87 |
| Efficiency ratio | 56.9904% | 5,852 |
| Assets per employee ($millions) | 4.4878% | 2,926 |
| Cash dividends to net income (ytd only)* | 39.6943% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8159% | 2,016 |
| Loan loss allowance to noncurrent loans | 83.2331% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 2.6255% | 1,286 |
| Noncurrent loans to loans | 2.1817% | 1,790 |
| Net loans and leases to total assets | 57.1140% | 4,177 |
| Net loans and leases to deposits | 66.5390% | 4,236 |
| Net loans and leases to core deposits | 69.1091% | 4,382 |
| Total domestic deposits to total assets | 85.8354% | 3,345 |
| Equity capital to assets | 13.8798% | 939 |
| Core capital (leverage) ratio | 12.8561% | 1,196 |
| Tier 1 risk-based capital ratio | 18.6259% | 2,040 |
| Total risk-based capital ratio | 19.8797% | 2,003 |
| Memoranda: | ||
| Average total assets | $2,032,610,400 | 352 |
| Average earning assets | $1,848,866,800 | 349 |
| Average equity | $283,754,400 | 288 |
| Average total loans | $1,231,571,000 | 362 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 3,821 |
| Cost of funding earning assets | 0.3528% | 5,270 |
| Net interest margin | 3.7332% | 2,910 |
| Noninterest income to average assets | 0.6709% | 2,773 |
| Noninterest expense to average assets | 2.4076% | 5,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1014% | 2,002 |
| Return on assets (ROA) | 1.1065% | 2,056 |
| Pretax return on assets | 1.6611% | 1,181 |
| Return on Equity (ROE) | 7.9142% | 3,166 |
| Retained earnings to average equity (ytd only) | 3.6892% | 4,075 |
| Net charge-offs to loans | 0.0019% | 5,180 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1,391.7983% | 23 |
| Efficiency ratio | 57.5464% | 5,744 |
| Assets per employee ($millions) | 4.4544% | 2,947 |
| Cash dividends to net income (ytd only)* | 53.3851% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8815% | 2,056 |
| Loan loss allowance to noncurrent loans | 84.9149% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 2.7954% | 1,340 |
| Noncurrent loans to loans | 2.2158% | 2,003 |
| Net loans and leases to total assets | 58.8104% | 3,878 |
| Net loans and leases to deposits | 68.5685% | 3,987 |
| Net loans and leases to core deposits | 71.3023% | 4,176 |
| Total domestic deposits to total assets | 85.7689% | 3,369 |
| Equity capital to assets | 13.8287% | 1,011 |
| Core capital (leverage) ratio | 12.7746% | 1,298 |
| Tier 1 risk-based capital ratio | 18.0297% | 2,315 |
| Total risk-based capital ratio | 19.2844% | 2,276 |
| Memoranda: | ||
| Average total assets | $2,020,183,500 | 356 |
| Average earning assets | $1,834,558,250 | 350 |
| Average equity | $282,437,750 | 287 |
| Average total loans | $1,236,640,750 | 360 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0491% | 3,926 |
| Cost of funding earning assets | 0.3540% | 5,362 |
| Net interest margin | 3.6952% | 2,973 |
| Noninterest income to average assets | 0.6640% | 2,832 |
| Noninterest expense to average assets | 2.4241% | 4,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0597% | 2,080 |
| Return on assets (ROA) | 1.0673% | 2,167 |
| Pretax return on assets | 1.6037% | 1,367 |
| Return on Equity (ROE) | 7.6062% | 3,285 |
| Retained earnings to average equity (ytd only) | 4.3429% | 3,507 |
| Net charge-offs to loans | 0.0137% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 188.1765% | 270 |
| Efficiency ratio | 58.5882% | 5,656 |
| Assets per employee ($millions) | 4.3315% | 3,124 |
| Cash dividends to net income (ytd only)* | 42.9024% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8682% | 2,199 |
| Loan loss allowance to noncurrent loans | 70.4724% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 3.1647% | 1,257 |
| Noncurrent loans to loans | 2.6510% | 1,726 |
| Net loans and leases to total assets | 59.9610% | 3,662 |
| Net loans and leases to deposits | 70.3640% | 3,668 |
| Net loans and leases to core deposits | 72.8304% | 3,954 |
| Total domestic deposits to total assets | 85.2155% | 3,786 |
| Equity capital to assets | 13.9015% | 995 |
| Core capital (leverage) ratio | 13.0189% | 1,152 |
| Tier 1 risk-based capital ratio | 17.8871% | 2,357 |
| Total risk-based capital ratio | 19.1417% | 2,324 |
| Memoranda: | ||
| Average total assets | $2,009,092,330 | 357 |
| Average earning assets | $1,822,710,670 | 350 |
| Average equity | $281,928,330 | 286 |
| Average total loans | $1,238,586,000 | 355 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0268% | 4,008 |
| Cost of funding earning assets | 0.3634% | 5,425 |
| Net interest margin | 3.6634% | 3,016 |
| Noninterest income to average assets | 0.5993% | 3,142 |
| Noninterest expense to average assets | 2.4527% | 4,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9679% | 2,358 |
| Return on assets (ROA) | 0.9831% | 2,428 |
| Pretax return on assets | 1.4923% | 1,576 |
| Return on Equity (ROE) | 6.9729% | 3,501 |
| Retained earnings to average equity (ytd only) | 6.1228% | 2,611 |
| Net charge-offs to loans | 0.0126% | 3,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 188.5897% | 214 |
| Efficiency ratio | 60.7172% | 5,489 |
| Assets per employee ($millions) | 4.1849% | 3,569 |
| Cash dividends to net income (ytd only)* | 12.1926% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8712% | 2,387 |
| Loan loss allowance to noncurrent loans | 65.1196% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 3.3286% | 1,313 |
| Noncurrent loans to loans | 2.8735% | 1,760 |
| Net loans and leases to total assets | 61.1660% | 3,228 |
| Net loans and leases to deposits | 72.0813% | 3,174 |
| Net loans and leases to core deposits | 74.2847% | 3,542 |
| Total domestic deposits to total assets | 84.8570% | 4,113 |
| Equity capital to assets | 14.3261% | 928 |
| Core capital (leverage) ratio | 13.0958% | 1,078 |
| Tier 1 risk-based capital ratio | 18.1861% | 2,291 |
| Total risk-based capital ratio | 19.4413% | 2,258 |
| Memoranda: | ||
| Average total assets | $2,002,226,500 | 360 |
| Average earning assets | $1,816,040,000 | 353 |
| Average equity | $282,291,000 | 290 |
| Average total loans | $1,239,880,500 | 358 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3524% | 4,019 |
| Cost of funding earning assets | 0.4506% | 5,576 |
| Net interest margin | 3.9018% | 2,820 |
| Noninterest income to average assets | 0.6362% | 3,074 |
| Noninterest expense to average assets | 2.5895% | 4,775 |
| Loan and lease loss provision to assets | 0.0767% | 4,756 |
| Net operating income to assets | 0.9507% | 2,542 |
| Return on assets (ROA) | 0.9528% | 2,783 |
| Pretax return on assets | 1.4465% | 1,870 |
| Return on Equity (ROE) | 6.7075% | 3,811 |
| Retained earnings to average equity (ytd only) | 3.4375% | 3,805 |
| Net charge-offs to loans | 0.2088% | 3,714 |
| Credit loss provision to net charge-offs | 61.7284% | 4,399 |
| Earnings coverage of net charge-offs (x) | 12.2325% | 1,949 |
| Efficiency ratio | 60.9949% | 5,386 |
| Assets per employee ($millions) | 4.3458% | 3,265 |
| Cash dividends to net income (ytd only)* | 48.7523% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8641% | 2,409 |
| Loan loss allowance to noncurrent loans | 56.9603% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 3.6352% | 1,228 |
| Noncurrent loans to loans | 3.2726% | 1,568 |
| Net loans and leases to total assets | 60.3784% | 3,536 |
| Net loans and leases to deposits | 72.2600% | 3,368 |
| Net loans and leases to core deposits | 74.5634% | 3,709 |
| Total domestic deposits to total assets | 83.5571% | 4,516 |
| Equity capital to assets | 13.8758% | 1,092 |
| Core capital (leverage) ratio | 12.8019% | 1,199 |
| Tier 1 risk-based capital ratio | 17.5797% | 2,427 |
| Total risk-based capital ratio | 18.8346% | 2,391 |
| Memoranda: | ||
| Average total assets | $1,955,747,000 | 359 |
| Average earning assets | $1,740,875,200 | 360 |
| Average equity | $277,821,800 | 289 |
| Average total loans | $1,163,906,800 | 376 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 4,095 |
| Cost of funding earning assets | 0.4704% | 5,636 |
| Net interest margin | 3.9187% | 2,845 |
| Noninterest income to average assets | 0.6865% | 2,776 |
| Noninterest expense to average assets | 2.5874% | 4,784 |
| Loan and lease loss provision to assets | 0.1031% | 4,289 |
| Net operating income to assets | 0.9718% | 2,649 |
| Return on assets (ROA) | 0.9723% | 2,871 |
| Pretax return on assets | 1.4704% | 2,000 |
| Return on Equity (ROE) | 6.8032% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.2813% | 2,501 |
| Net charge-offs to loans | 0.2614% | 3,155 |
| Credit loss provision to net charge-offs | 66.8747% | 3,986 |
| Earnings coverage of net charge-offs (x) | 10.1997% | 2,216 |
| Efficiency ratio | 60.1834% | 5,464 |
| Assets per employee ($millions) | 3.9999% | 3,869 |
| Cash dividends to net income (ytd only)* | 7.6716% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9465% | 2,337 |
| Loan loss allowance to noncurrent loans | 72.4839% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 3.8152% | 1,286 |
| Noncurrent loans to loans | 2.6854% | 2,111 |
| Net loans and leases to total assets | 60.2944% | 3,717 |
| Net loans and leases to deposits | 72.0221% | 3,608 |
| Net loans and leases to core deposits | 74.3716% | 3,925 |
| Total domestic deposits to total assets | 83.7166% | 4,350 |
| Equity capital to assets | 14.5910% | 941 |
| Core capital (leverage) ratio | 13.1726% | 1,121 |
| Tier 1 risk-based capital ratio | 18.1593% | 2,281 |
| Total risk-based capital ratio | 19.4147% | 2,257 |
| Memoranda: | ||
| Average total assets | $1,939,484,500 | 365 |
| Average earning assets | $1,719,200,250 | 365 |
| Average equity | $277,176,750 | 290 |
| Average total loans | $1,144,058,500 | 384 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4240% | 4,091 |
| Cost of funding earning assets | 0.4902% | 5,682 |
| Net interest margin | 3.9337% | 2,773 |
| Noninterest income to average assets | 0.6916% | 2,714 |
| Noninterest expense to average assets | 2.5573% | 4,932 |
| Loan and lease loss provision to assets | 0.1550% | 3,581 |
| Net operating income to assets | 0.9652% | 2,602 |
| Return on assets (ROA) | 0.9653% | 2,847 |
| Pretax return on assets | 1.4506% | 2,006 |
| Return on Equity (ROE) | 6.8026% | 3,884 |
| Retained earnings to average equity (ytd only) | 6.6096% | 2,327 |
| Net charge-offs to loans | -0.0672% | 6,746 |
| Credit loss provision to net charge-offs | -396.8254% | 6,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4201% | 5,673 |
| Assets per employee ($millions) | 3.9748% | 3,932 |
| Cash dividends to net income (ytd only)* | 2.8370% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2545% | 1,666 |
| Loan loss allowance to noncurrent loans | 79.4181% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 4.0073% | 1,269 |
| Noncurrent loans to loans | 2.8387% | 2,110 |
| Net loans and leases to total assets | 57.8432% | 4,188 |
| Net loans and leases to deposits | 68.8604% | 4,068 |
| Net loans and leases to core deposits | 71.2314% | 4,387 |
| Total domestic deposits to total assets | 84.0007% | 4,316 |
| Equity capital to assets | 14.3488% | 957 |
| Core capital (leverage) ratio | 12.8976% | 1,178 |
| Tier 1 risk-based capital ratio | 18.3699% | 2,171 |
| Total risk-based capital ratio | 19.6284% | 2,130 |
| Memoranda: | ||
| Average total assets | $1,935,325,670 | 367 |
| Average earning assets | $1,707,747,000 | 367 |
| Average equity | $274,632,000 | 293 |
| Average total loans | $1,125,315,670 | 387 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 3,976 |
| Cost of funding earning assets | 0.5097% | 5,755 |
| Net interest margin | 3.9771% | 2,600 |
| Noninterest income to average assets | 0.5882% | 3,308 |
| Noninterest expense to average assets | 2.4935% | 5,168 |
| Loan and lease loss provision to assets | 0.3110% | 2,023 |
| Net operating income to assets | 0.8543% | 3,134 |
| Return on assets (ROA) | 0.8543% | 3,371 |
| Pretax return on assets | 1.2737% | 2,634 |
| Return on Equity (ROE) | 6.0540% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.6646% | 3,159 |
| Net charge-offs to loans | 0.0381% | 4,166 |
| Credit loss provision to net charge-offs | 1,415.0943% | 245 |
| Earnings coverage of net charge-offs (x) | 72.1038% | 462 |
| Efficiency ratio | 59.0828% | 5,759 |
| Assets per employee ($millions) | 3.9969% | 4,017 |
| Cash dividends to net income (ytd only)* | 6.4320% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3095% | 1,659 |
| Loan loss allowance to noncurrent loans | 65.9324% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 5.6190% | 864 |
| Noncurrent loans to loans | 3.5029% | 1,783 |
| Net loans and leases to total assets | 55.5268% | 4,464 |
| Net loans and leases to deposits | 66.1427% | 4,360 |
| Net loans and leases to core deposits | 68.5450% | 4,621 |
| Total domestic deposits to total assets | 83.9500% | 4,517 |
| Equity capital to assets | 14.1006% | 990 |
| Core capital (leverage) ratio | 12.7505% | 1,221 |
| Tier 1 risk-based capital ratio | 17.9839% | 2,295 |
| Total risk-based capital ratio | 19.2420% | 2,267 |
| Memoranda: | ||
| Average total assets | $1,929,172,000 | 368 |
| Average earning assets | $1,692,879,500 | 365 |
| Average equity | $272,217,500 | 292 |
| Average total loans | $1,111,694,500 | 388 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1697% | 2,189 |
| Cost of funding earning assets | 0.7054% | 5,503 |
| Net interest margin | 4.4644% | 1,217 |
| Noninterest income to average assets | 0.2450% | 5,785 |
| Noninterest expense to average assets | 2.5733% | 5,191 |
| Loan and lease loss provision to assets | 0.3587% | 2,852 |
| Net operating income to assets | 0.9050% | 2,578 |
| Return on assets (ROA) | 0.9066% | 2,701 |
| Pretax return on assets | 1.3438% | 1,972 |
| Return on Equity (ROE) | 6.6662% | 3,557 |
| Retained earnings to average equity (ytd only) | 4.9729% | 2,660 |
| Net charge-offs to loans | 0.5008% | 2,988 |
| Credit loss provision to net charge-offs | 101.6821% | 3,417 |
| Earnings coverage of net charge-offs (x) | 4.8192% | 2,969 |
| Efficiency ratio | 58.5952% | 5,962 |
| Assets per employee ($millions) | 4.1467% | 3,556 |
| Cash dividends to net income (ytd only)* | 25.4005% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1912% | 1,814 |
| Loan loss allowance to noncurrent loans | 132.7110% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 5.6060% | 905 |
| Noncurrent loans to loans | 1.6511% | 3,685 |
| Net loans and leases to total assets | 67.8897% | 2,419 |
| Net loans and leases to deposits | 81.0742% | 2,345 |
| Net loans and leases to core deposits | 84.0699% | 2,883 |
| Total domestic deposits to total assets | 83.7377% | 4,436 |
| Equity capital to assets | 13.7269% | 1,161 |
| Core capital (leverage) ratio | 13.5582% | 946 |
| Tier 1 risk-based capital ratio | 16.5660% | 2,794 |
| Total risk-based capital ratio | 17.8235% | 2,759 |
| Memoranda: | ||
| Average total assets | $1,129,013,600 | 580 |
| Average earning assets | $1,018,779,800 | 576 |
| Average equity | $153,551,200 | 456 |
| Average total loans | $795,332,400 | 514 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 2,506 |
| Cost of funding earning assets | 0.7252% | 5,625 |
| Net interest margin | 4.3973% | 1,414 |
| Noninterest income to average assets | 0.1676% | 6,389 |
| Noninterest expense to average assets | 2.4947% | 5,480 |
| Loan and lease loss provision to assets | 0.1687% | 4,358 |
| Net operating income to assets | 0.9991% | 2,327 |
| Return on assets (ROA) | 1.0012% | 2,465 |
| Pretax return on assets | 1.4806% | 1,700 |
| Return on Equity (ROE) | 7.3791% | 3,344 |
| Retained earnings to average equity (ytd only) | 7.1174% | 1,908 |
| Net charge-offs to loans | 0.1638% | 4,475 |
| Credit loss provision to net charge-offs | 145.7055% | 2,169 |
| Earnings coverage of net charge-offs (x) | 14.2167% | 1,550 |
| Efficiency ratio | 58.5716% | 5,921 |
| Assets per employee ($millions) | 4.1466% | 3,548 |
| Cash dividends to net income (ytd only)* | 3.5474% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3772% | 1,573 |
| Loan loss allowance to noncurrent loans | 109.2456% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 6.6261% | 769 |
| Noncurrent loans to loans | 2.1761% | 3,145 |
| Net loans and leases to total assets | 64.0613% | 3,295 |
| Net loans and leases to deposits | 76.7433% | 3,205 |
| Net loans and leases to core deposits | 79.9312% | 3,648 |
| Total domestic deposits to total assets | 83.4748% | 4,491 |
| Equity capital to assets | 13.8397% | 1,232 |
| Core capital (leverage) ratio | 13.6908% | 984 |
| Tier 1 risk-based capital ratio | 17.6068% | 2,394 |
| Total risk-based capital ratio | 18.8663% | 2,363 |
| Memoranda: | ||
| Average total assets | $1,126,180,500 | 590 |
| Average earning assets | $1,017,578,500 | 585 |
| Average equity | $152,805,500 | 466 |
| Average total loans | $796,285,000 | 520 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1409% | 2,511 |
| Cost of funding earning assets | 0.7415% | 5,723 |
| Net interest margin | 4.3994% | 1,368 |
| Noninterest income to average assets | 0.2937% | 5,533 |
| Noninterest expense to average assets | 2.5018% | 5,528 |
| Loan and lease loss provision to assets | 0.2405% | 3,506 |
| Net operating income to assets | 1.0359% | 2,083 |
| Return on assets (ROA) | 1.0147% | 2,264 |
| Pretax return on assets | 1.5069% | 1,510 |
| Return on Equity (ROE) | 7.5294% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.2651% | 1,756 |
| Net charge-offs to loans | 0.1358% | 4,388 |
| Credit loss provision to net charge-offs | 244.5652% | 1,241 |
| Earnings coverage of net charge-offs (x) | 18.0924% | 1,274 |
| Efficiency ratio | 56.8177% | 6,317 |
| Assets per employee ($millions) | 4.1029% | 3,543 |
| Cash dividends to net income (ytd only)* | 3.5106% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3428% | 1,674 |
| Loan loss allowance to noncurrent loans | 69.3965% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 6.9890% | 731 |
| Noncurrent loans to loans | 3.3759% | 2,105 |
| Net loans and leases to total assets | 66.5357% | 2,926 |
| Net loans and leases to deposits | 79.4477% | 2,901 |
| Net loans and leases to core deposits | 82.5746% | 3,418 |
| Total domestic deposits to total assets | 83.7478% | 4,451 |
| Equity capital to assets | 13.6322% | 1,234 |
| Core capital (leverage) ratio | 13.5478% | 983 |
| Tier 1 risk-based capital ratio | 17.0974% | 2,480 |
| Total risk-based capital ratio | 18.3570% | 2,453 |
| Memoranda: | ||
| Average total assets | $1,122,850,330 | 600 |
| Average earning assets | $1,017,599,000 | 589 |
| Average equity | $151,326,330 | 470 |
| Average total loans | $813,190,000 | 523 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2024% | 2,214 |
| Cost of funding earning assets | 0.7587% | 5,809 |
| Net interest margin | 4.4437% | 1,189 |
| Noninterest income to average assets | 0.3442% | 5,164 |
| Noninterest expense to average assets | 2.6259% | 5,128 |
| Loan and lease loss provision to assets | 0.2415% | 3,261 |
| Net operating income to assets | 1.0297% | 2,074 |
| Return on assets (ROA) | 1.0343% | 2,105 |
| Pretax return on assets | 1.5319% | 1,354 |
| Return on Equity (ROE) | 7.7194% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.7194% | 1,835 |
| Net charge-offs to loans | 0.0686% | 4,238 |
| Credit loss provision to net charge-offs | 472.0280% | 752 |
| Earnings coverage of net charge-offs (x) | 34.5315% | 751 |
| Efficiency ratio | 58.1935% | 6,247 |
| Assets per employee ($millions) | 4.0965% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1342% | 2,111 |
| Loan loss allowance to noncurrent loans | 38.6053% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 7.1095% | 744 |
| Noncurrent loans to loans | 5.5283% | 1,185 |
| Net loans and leases to total assets | 72.2285% | 1,673 |
| Net loans and leases to deposits | 86.1880% | 1,699 |
| Net loans and leases to core deposits | 89.9536% | 2,352 |
| Total domestic deposits to total assets | 83.8034% | 4,570 |
| Equity capital to assets | 13.3782% | 1,223 |
| Core capital (leverage) ratio | 13.4957% | 967 |
| Tier 1 risk-based capital ratio | 16.1105% | 2,856 |
| Total risk-based capital ratio | 17.3688% | 2,822 |
| Memoranda: | ||
| Average total assets | $1,118,073,500 | 604 |
| Average earning assets | $1,018,608,500 | 597 |
| Average equity | $149,803,500 | 471 |
| Average total loans | $834,021,000 | 526 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2657% | 3,294 |
| Cost of funding earning assets | 1.0184% | 5,599 |
| Net interest margin | 4.2473% | 2,008 |
| Noninterest income to average assets | 0.3697% | 5,141 |
| Noninterest expense to average assets | 2.7201% | 4,901 |
| Loan and lease loss provision to assets | 0.5690% | 2,852 |
| Net operating income to assets | 0.6942% | 3,252 |
| Return on assets (ROA) | 0.6986% | 3,362 |
| Pretax return on assets | 1.0125% | 2,887 |
| Return on Equity (ROE) | 5.3152% | 3,942 |
| Retained earnings to average equity (ytd only) | 5.0060% | 2,405 |
| Net charge-offs to loans | 0.6430% | 3,090 |
| Credit loss provision to net charge-offs | 112.2995% | 3,890 |
| Earnings coverage of net charge-offs (x) | 3.1086% | 3,521 |
| Efficiency ratio | 61.6873% | 5,780 |
| Assets per employee ($millions) | 3.9767% | 3,835 |
| Cash dividends to net income (ytd only)* | 5.8177% | 3,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0726% | 2,125 |
| Loan loss allowance to noncurrent loans | 36.9435% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 7.4757% | 697 |
| Noncurrent loans to loans | 5.6102% | 1,162 |
| Net loans and leases to total assets | 73.8405% | 1,689 |
| Net loans and leases to deposits | 87.9921% | 1,792 |
| Net loans and leases to core deposits | 92.3841% | 2,453 |
| Total domestic deposits to total assets | 83.9172% | 4,393 |
| Equity capital to assets | 13.4190% | 1,211 |
| Core capital (leverage) ratio | 13.2641% | 1,044 |
| Tier 1 risk-based capital ratio | 15.8967% | 2,797 |
| Total risk-based capital ratio | 17.1544% | 2,750 |
| Memoranda: | ||
| Average total assets | $1,107,208,000 | 597 |
| Average earning assets | $1,023,308,800 | 588 |
| Average equity | $145,525,400 | 470 |
| Average total loans | $872,418,800 | 516 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2206% | 3,737 |
| Cost of funding earning assets | 1.0755% | 5,570 |
| Net interest margin | 4.1451% | 2,425 |
| Noninterest income to average assets | 0.4388% | 4,647 |
| Noninterest expense to average assets | 2.6469% | 5,125 |
| Loan and lease loss provision to assets | 0.6049% | 2,520 |
| Net operating income to assets | 0.7133% | 3,357 |
| Return on assets (ROA) | 0.7133% | 3,507 |
| Pretax return on assets | 1.0341% | 3,057 |
| Return on Equity (ROE) | 5.4559% | 4,055 |
| Retained earnings to average equity (ytd only) | 5.1336% | 2,889 |
| Net charge-offs to loans | 0.5890% | 2,974 |
| Credit loss provision to net charge-offs | 128.9453% | 3,150 |
| Earnings coverage of net charge-offs (x) | 3.4937% | 3,420 |
| Efficiency ratio | 60.1140% | 5,932 |
| Assets per employee ($millions) | 3.9584% | 3,924 |
| Cash dividends to net income (ytd only)* | 5.9062% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1662% | 1,864 |
| Loan loss allowance to noncurrent loans | 34.6578% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 7.7269% | 661 |
| Noncurrent loans to loans | 6.2502% | 970 |
| Net loans and leases to total assets | 72.1871% | 2,213 |
| Net loans and leases to deposits | 85.8833% | 2,371 |
| Net loans and leases to core deposits | 91.1195% | 2,937 |
| Total domestic deposits to total assets | 84.0525% | 4,106 |
| Equity capital to assets | 13.3151% | 1,440 |
| Core capital (leverage) ratio | 12.9933% | 1,236 |
| Tier 1 risk-based capital ratio | 16.0113% | 2,757 |
| Total risk-based capital ratio | 17.2701% | 2,702 |
| Memoranda: | ||
| Average total assets | $1,107,631,500 | 596 |
| Average earning assets | $1,027,973,250 | 579 |
| Average equity | $144,819,500 | 467 |
| Average total loans | $882,125,000 | 507 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2041% | 3,934 |
| Cost of funding earning assets | 1.1304% | 5,520 |
| Net interest margin | 4.0737% | 2,686 |
| Noninterest income to average assets | 0.2814% | 5,894 |
| Noninterest expense to average assets | 2.5770% | 5,422 |
| Loan and lease loss provision to assets | 0.5644% | 2,515 |
| Net operating income to assets | 0.6523% | 3,616 |
| Return on assets (ROA) | 0.6523% | 3,772 |
| Pretax return on assets | 0.9397% | 3,347 |
| Return on Equity (ROE) | 5.0202% | 4,279 |
| Retained earnings to average equity (ytd only) | 4.7422% | 3,053 |
| Net charge-offs to loans | 0.2395% | 4,164 |
| Credit loss provision to net charge-offs | 288.8170% | 1,289 |
| Earnings coverage of net charge-offs (x) | 7.6969% | 2,253 |
| Efficiency ratio | 61.4152% | 5,788 |
| Assets per employee ($millions) | 3.9271% | 3,916 |
| Cash dividends to net income (ytd only)* | 5.5371% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1392% | 1,885 |
| Loan loss allowance to noncurrent loans | 28.6026% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 7.4106% | 685 |
| Noncurrent loans to loans | 7.4791% | 720 |
| Net loans and leases to total assets | 76.4155% | 1,415 |
| Net loans and leases to deposits | 90.7757% | 1,728 |
| Net loans and leases to core deposits | 97.1257% | 2,316 |
| Total domestic deposits to total assets | 84.1806% | 4,024 |
| Equity capital to assets | 13.0219% | 1,561 |
| Core capital (leverage) ratio | 12.7339% | 1,314 |
| Tier 1 risk-based capital ratio | 15.2330% | 3,045 |
| Total risk-based capital ratio | 16.4922% | 2,995 |
| Memoranda: | ||
| Average total assets | $1,107,392,670 | 592 |
| Average earning assets | $1,032,907,000 | 577 |
| Average equity | $143,900,000 | 470 |
| Average total loans | $903,567,000 | 495 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1723% | 4,181 |
| Cost of funding earning assets | 1.1655% | 5,574 |
| Net interest margin | 4.0069% | 2,847 |
| Noninterest income to average assets | 0.7011% | 2,601 |
| Noninterest expense to average assets | 2.4849% | 5,786 |
| Loan and lease loss provision to assets | 0.6797% | 1,873 |
| Net operating income to assets | 0.8740% | 2,658 |
| Return on assets (ROA) | 0.8740% | 2,739 |
| Pretax return on assets | 1.2778% | 2,111 |
| Return on Equity (ROE) | 6.7330% | 3,486 |
| Retained earnings to average equity (ytd only) | 6.4538% | 2,372 |
| Net charge-offs to loans | 0.1070% | 4,358 |
| Credit loss provision to net charge-offs | 762.1951% | 592 |
| Earnings coverage of net charge-offs (x) | 21.9512% | 1,107 |
| Efficiency ratio | 54.3452% | 6,938 |
| Assets per employee ($millions) | 3.9138% | 4,061 |
| Cash dividends to net income (ytd only)* | 4.1477% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9822% | 2,235 |
| Loan loss allowance to noncurrent loans | 21.6355% | 6,931 |
| Noncurrent assets plus other real estate owned to assets | 8.4689% | 563 |
| Noncurrent loans to loans | 9.1617% | 519 |
| Net loans and leases to total assets | 81.0390% | 712 |
| Net loans and leases to deposits | 96.4324% | 1,059 |
| Net loans and leases to core deposits | 104.1517% | 1,726 |
| Total domestic deposits to total assets | 84.0371% | 4,131 |
| Equity capital to assets | 12.9778% | 1,535 |
| Core capital (leverage) ratio | 12.8850% | 1,253 |
| Tier 1 risk-based capital ratio | 14.7168% | 3,250 |
| Total risk-based capital ratio | 15.9749% | 3,207 |
| Memoranda: | ||
| Average total assets | $1,103,443,000 | 614 |
| Average earning assets | $1,030,326,000 | 595 |
| Average equity | $143,234,000 | 475 |
| Average total loans | $919,907,500 | 509 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8179% | 2,585 |
| Cost of funding earning assets | 1.4496% | 5,726 |
| Net interest margin | 4.3683% | 1,523 |
| Noninterest income to average assets | 0.7825% | 2,494 |
| Noninterest expense to average assets | 2.7456% | 5,178 |
| Loan and lease loss provision to assets | 0.5874% | 3,445 |
| Net operating income to assets | 1.0476% | 1,676 |
| Return on assets (ROA) | 1.0482% | 1,714 |
| Pretax return on assets | 1.5574% | 1,059 |
| Return on Equity (ROE) | 8.3015% | 2,262 |
| Retained earnings to average equity (ytd only) | 7.8928% | 730 |
| Net charge-offs to loans | 0.0888% | 6,235 |
| Credit loss provision to net charge-offs | 813.1378% | 359 |
| Earnings coverage of net charge-offs (x) | 29.6773% | 776 |
| Efficiency ratio | 54.6793% | 7,161 |
| Assets per employee ($millions) | 3.7771% | 4,329 |
| Cash dividends to net income (ytd only)* | 4.9226% | 3,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8013% | 2,542 |
| Loan loss allowance to noncurrent loans | 45.0073% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 4.1112% | 1,599 |
| Noncurrent loans to loans | 4.0023% | 1,853 |
| Net loans and leases to total assets | 82.5521% | 602 |
| Net loans and leases to deposits | 97.9173% | 1,111 |
| Net loans and leases to core deposits | 122.1229% | 1,770 |
| Total domestic deposits to total assets | 84.3080% | 3,888 |
| Equity capital to assets | 12.9836% | 1,514 |
| Core capital (leverage) ratio | 12.4816% | 1,465 |
| Tier 1 risk-based capital ratio | 14.3849% | 3,273 |
| Total risk-based capital ratio | 15.6407% | 3,220 |
| Memoranda: | ||
| Average total assets | $1,085,246,000 | 621 |
| Average earning assets | $1,020,348,600 | 594 |
| Average equity | $137,035,800 | 490 |
| Average total loans | $883,174,600 | 541 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7887% | 2,939 |
| Cost of funding earning assets | 1.4947% | 5,844 |
| Net interest margin | 4.2940% | 1,742 |
| Noninterest income to average assets | 0.7222% | 2,870 |
| Noninterest expense to average assets | 2.6686% | 5,463 |
| Loan and lease loss provision to assets | 0.5018% | 3,381 |
| Net operating income to assets | 1.0736% | 1,819 |
| Return on assets (ROA) | 1.0736% | 1,872 |
| Pretax return on assets | 1.5984% | 1,180 |
| Return on Equity (ROE) | 8.5632% | 2,427 |
| Retained earnings to average equity (ytd only) | 8.2046% | 1,082 |
| Net charge-offs to loans | 0.0993% | 5,678 |
| Credit loss provision to net charge-offs | 625.9601% | 602 |
| Earnings coverage of net charge-offs (x) | 26.1981% | 1,027 |
| Efficiency ratio | 54.4466% | 7,187 |
| Assets per employee ($millions) | 3.7052% | 4,415 |
| Cash dividends to net income (ytd only)* | 4.1867% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 3,061 |
| Loan loss allowance to noncurrent loans | 48.2403% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 3.3280% | 2,027 |
| Noncurrent loans to loans | 3.2806% | 2,303 |
| Net loans and leases to total assets | 81.4919% | 895 |
| Net loans and leases to deposits | 96.6423% | 1,495 |
| Net loans and leases to core deposits | 120.6408% | 2,193 |
| Total domestic deposits to total assets | 84.3233% | 3,566 |
| Equity capital to assets | 12.7856% | 1,793 |
| Core capital (leverage) ratio | 12.4510% | 1,601 |
| Tier 1 risk-based capital ratio | 14.1577% | 3,466 |
| Total risk-based capital ratio | 15.4109% | 3,409 |
| Memoranda: | ||
| Average total assets | $1,082,719,000 | 633 |
| Average earning assets | $1,020,348,250 | 602 |
| Average equity | $135,740,750 | 505 |
| Average total loans | $873,762,000 | 555 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6943% | 3,575 |
| Cost of funding earning assets | 1.5494% | 5,929 |
| Net interest margin | 4.1449% | 2,179 |
| Noninterest income to average assets | 0.7388% | 2,768 |
| Noninterest expense to average assets | 2.6790% | 5,459 |
| Loan and lease loss provision to assets | 0.5015% | 3,029 |
| Net operating income to assets | 0.9929% | 2,138 |
| Return on assets (ROA) | 0.9929% | 2,232 |
| Pretax return on assets | 1.4612% | 1,560 |
| Return on Equity (ROE) | 7.9738% | 2,778 |
| Retained earnings to average equity (ytd only) | 7.4294% | 1,423 |
| Net charge-offs to loans | 0.1131% | 5,029 |
| Credit loss provision to net charge-offs | 554.4148% | 837 |
| Earnings coverage of net charge-offs (x) | 21.6982% | 1,252 |
| Efficiency ratio | 56.1522% | 7,103 |
| Assets per employee ($millions) | 3.6646% | 4,410 |
| Cash dividends to net income (ytd only)* | 6.8275% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 3,248 |
| Loan loss allowance to noncurrent loans | 44.1227% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 3.3881% | 1,848 |
| Noncurrent loans to loans | 3.3781% | 2,083 |
| Net loans and leases to total assets | 80.2116% | 1,274 |
| Net loans and leases to deposits | 94.7381% | 1,985 |
| Net loans and leases to core deposits | 115.7292% | 2,733 |
| Total domestic deposits to total assets | 84.6667% | 3,408 |
| Equity capital to assets | 12.5369% | 1,906 |
| Core capital (leverage) ratio | 12.2561% | 1,716 |
| Tier 1 risk-based capital ratio | 14.0851% | 3,470 |
| Total risk-based capital ratio | 15.3371% | 3,404 |
| Memoranda: | ||
| Average total assets | $1,076,814,000 | 646 |
| Average earning assets | $1,013,932,670 | 616 |
| Average equity | $134,088,670 | 518 |
| Average total loans | $861,287,670 | 576 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5966% | 4,374 |
| Cost of funding earning assets | 1.6285% | 5,909 |
| Net interest margin | 3.9681% | 2,785 |
| Noninterest income to average assets | 0.7253% | 2,734 |
| Noninterest expense to average assets | 2.5762% | 5,546 |
| Loan and lease loss provision to assets | 0.5042% | 2,454 |
| Net operating income to assets | 0.9374% | 2,556 |
| Return on assets (ROA) | 0.9374% | 2,686 |
| Pretax return on assets | 1.3733% | 2,048 |
| Return on Equity (ROE) | 7.5540% | 3,351 |
| Retained earnings to average equity (ytd only) | 6.8769% | 2,252 |
| Net charge-offs to loans | 0.0042% | 5,656 |
| Credit loss provision to net charge-offs | 15,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 558.5556% | 42 |
| Efficiency ratio | 56.2096% | 6,944 |
| Assets per employee ($millions) | 3.5658% | 4,656 |
| Cash dividends to net income (ytd only)* | 8.9641% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 3,334 |
| Loan loss allowance to noncurrent loans | 63.2083% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 2.3128% | 2,486 |
| Noncurrent loans to loans | 2.2646% | 2,908 |
| Net loans and leases to total assets | 78.3730% | 1,726 |
| Net loans and leases to deposits | 92.5296% | 2,508 |
| Net loans and leases to core deposits | 113.4781% | 3,058 |
| Total domestic deposits to total assets | 84.7005% | 3,361 |
| Equity capital to assets | 12.3561% | 2,053 |
| Core capital (leverage) ratio | 12.2028% | 1,815 |
| Tier 1 risk-based capital ratio | 14.1119% | 3,518 |
| Total risk-based capital ratio | 15.3632% | 3,449 |
| Memoranda: | ||
| Average total assets | $1,071,033,500 | 650 |
| Average earning assets | $1,006,330,500 | 620 |
| Average equity | $132,909,000 | 516 |
| Average total loans | $848,825,500 | 585 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3815% | 3,515 |
| Cost of funding earning assets | 2.1392% | 5,880 |
| Net interest margin | 4.2422% | 2,147 |
| Noninterest income to average assets | 0.7386% | 2,853 |
| Noninterest expense to average assets | 2.7462% | 5,064 |
| Loan and lease loss provision to assets | 0.5550% | 2,594 |
| Net operating income to assets | 0.9620% | 2,733 |
| Return on assets (ROA) | 1.0343% | 2,312 |
| Pretax return on assets | 1.5265% | 1,607 |
| Return on Equity (ROE) | 8.5585% | 2,809 |
| Retained earnings to average equity (ytd only) | 7.3779% | 1,028 |
| Net charge-offs to loans | 0.6961% | 1,764 |
| Credit loss provision to net charge-offs | 105.6300% | 5,072 |
| Earnings coverage of net charge-offs (x) | 3.7592% | 4,230 |
| Efficiency ratio | 56.5897% | 6,929 |
| Assets per employee ($millions) | 3.4242% | 4,870 |
| Cash dividends to net income (ytd only)* | 13.7944% | 4,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 3,672 |
| Loan loss allowance to noncurrent loans | 74.2873% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 2.0964% | 2,345 |
| Noncurrent loans to loans | 1.7711% | 3,110 |
| Net loans and leases to total assets | 77.9491% | 2,156 |
| Net loans and leases to deposits | 92.0908% | 3,119 |
| Net loans and leases to core deposits | 111.7883% | 3,585 |
| Total domestic deposits to total assets | 84.6438% | 3,009 |
| Equity capital to assets | 12.4640% | 2,035 |
| Core capital (leverage) ratio | 12.0619% | 1,939 |
| Tier 1 risk-based capital ratio | 14.2115% | 3,442 |
| Total risk-based capital ratio | 15.4472% | 3,372 |
| Memoranda: | ||
| Average total assets | $1,051,338,000 | 630 |
| Average earning assets | $987,048,000 | 610 |
| Average equity | $127,055,400 | 539 |
| Average total loans | $793,580,600 | 598 |