Home > Commerce Bank & Trust Company > Performance and Condition Ratios
Commerce Bank & Trust Company, Performance and Condition Ratios
| 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 | 3.4225% | 4,937 |
| Cost of funding earning assets | 0.4342% | 2,861 |
| Net interest margin | 2.9882% | 4,944 |
| Noninterest income to average assets | 0.4652% | 3,243 |
| Noninterest expense to average assets | 1.8130% | 5,259 |
| Loan and lease loss provision to assets | -0.0657% | 5,543 |
| Net operating income to assets | 0.9318% | 2,873 |
| Return on assets (ROA) | 0.9318% | 2,931 |
| Pretax return on assets | 1.5707% | 1,512 |
| Return on Equity (ROE) | 10.3778% | 1,958 |
| Retained earnings to average equity (ytd only) | 8.5450% | 990 |
| Net charge-offs to loans | 0.1710% | 1,222 |
| Credit loss provision to net charge-offs | -55.3552% | 4,451 |
| Earnings coverage of net charge-offs (x) | 12.6831% | 2,407 |
| Efficiency ratio | 54.6414% | 4,887 |
| Assets per employee ($millions) | 8.0911% | 613 |
| Cash dividends to net income (ytd only)* | 17.6606% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,662 |
| Loan loss allowance to noncurrent loans | 47.1550% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 1.7329% | 821 |
| Noncurrent loans to loans | 2.2709% | 706 |
| Net loans and leases to total assets | 75.4889% | 1,684 |
| Net loans and leases to deposits | 85.9752% | 2,294 |
| Net loans and leases to core deposits | 91.0551% | 2,523 |
| Total domestic deposits to total assets | 87.8031% | 1,467 |
| Equity capital to assets | 10.4228% | 3,449 |
| Core capital (leverage) ratio | 9.9840% | 3,585 |
| Tier 1 risk-based capital ratio | 11.5978% | 4,884 |
| Total risk-based capital ratio | 12.5915% | 4,937 |
| Memoranda: | ||
| Average total assets | $2,056,242,000 | 398 |
| Average earning assets | $1,963,018,000 | 381 |
| Average equity | $184,633,500 | 467 |
| Average total loans | $1,426,866,750 | 408 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3045% | 5,098 |
| Cost of funding earning assets | 0.4102% | 2,974 |
| Net interest margin | 2.8942% | 5,106 |
| Noninterest income to average assets | 0.4537% | 3,328 |
| Noninterest expense to average assets | 1.7756% | 5,337 |
| Loan and lease loss provision to assets | -0.0481% | 5,601 |
| Net operating income to assets | 0.8884% | 2,973 |
| Return on assets (ROA) | 0.8884% | 3,030 |
| Pretax return on assets | 1.4947% | 1,661 |
| Return on Equity (ROE) | 10.3708% | 1,887 |
| Retained earnings to average equity (ytd only) | 8.0132% | 1,160 |
| Net charge-offs to loans | 0.1433% | 1,294 |
| Credit loss provision to net charge-offs | -49.8058% | 4,287 |
| Earnings coverage of net charge-offs (x) | 14.9718% | 2,045 |
| Efficiency ratio | 55.1063% | 4,914 |
| Assets per employee ($millions) | 8.6555% | 472 |
| Cash dividends to net income (ytd only)* | 22.7326% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 3,386 |
| Loan loss allowance to noncurrent loans | 73.7569% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.1358% | 1,521 |
| Noncurrent loans to loans | 1.5410% | 1,208 |
| Net loans and leases to total assets | 72.8663% | 2,067 |
| Net loans and leases to deposits | 82.2038% | 2,681 |
| Net loans and leases to core deposits | 86.9003% | 2,802 |
| Total domestic deposits to total assets | 88.6411% | 1,137 |
| Equity capital to assets | 9.6012% | 4,312 |
| Core capital (leverage) ratio | 8.8589% | 4,889 |
| Tier 1 risk-based capital ratio | 11.1054% | 5,198 |
| Total risk-based capital ratio | 12.1725% | 5,202 |
| Memoranda: | ||
| Average total assets | $2,132,125,330 | 393 |
| Average earning assets | $2,039,430,000 | 378 |
| Average equity | $182,648,000 | 472 |
| Average total loans | $1,437,380,330 | 404 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1136% | 5,354 |
| Cost of funding earning assets | 0.3818% | 3,191 |
| Net interest margin | 2.7318% | 5,347 |
| Noninterest income to average assets | 0.4384% | 3,391 |
| Noninterest expense to average assets | 1.7041% | 5,472 |
| Loan and lease loss provision to assets | -0.1802% | 5,787 |
| Net operating income to assets | 0.9117% | 2,702 |
| Return on assets (ROA) | 0.9117% | 2,755 |
| Pretax return on assets | 1.5329% | 1,436 |
| Return on Equity (ROE) | 11.2329% | 1,489 |
| Retained earnings to average equity (ytd only) | 8.8603% | 1,126 |
| Net charge-offs to loans | 0.2087% | 836 |
| Credit loss provision to net charge-offs | -133.5106% | 3,988 |
| Earnings coverage of net charge-offs (x) | 10.0226% | 1,961 |
| Efficiency ratio | 55.7480% | 4,959 |
| Assets per employee ($millions) | 9.5253% | 356 |
| Cash dividends to net income (ytd only)* | 21.1220% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,717 |
| Loan loss allowance to noncurrent loans | 79.5642% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 0.9077% | 2,040 |
| Noncurrent loans to loans | 1.3827% | 1,458 |
| Net loans and leases to total assets | 64.9273% | 3,128 |
| Net loans and leases to deposits | 71.8012% | 3,625 |
| Net loans and leases to core deposits | 74.3311% | 3,806 |
| Total domestic deposits to total assets | 90.4264% | 501 |
| Equity capital to assets | 8.2398% | 5,392 |
| Core capital (leverage) ratio | 8.3897% | 5,316 |
| Tier 1 risk-based capital ratio | 10.7271% | 5,449 |
| Total risk-based capital ratio | 11.7705% | 5,450 |
| Memoranda: | ||
| Average total assets | $2,228,773,500 | 378 |
| Average earning assets | $2,136,203,000 | 361 |
| Average equity | $180,897,000 | 470 |
| Average total loans | $1,441,573,000 | 405 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1605% | 5,351 |
| Cost of funding earning assets | 0.4023% | 2,976 |
| Net interest margin | 2.7582% | 5,344 |
| Noninterest income to average assets | 0.4909% | 3,295 |
| Noninterest expense to average assets | 1.7577% | 5,515 |
| Loan and lease loss provision to assets | 0.2894% | 662 |
| Net operating income to assets | 0.6424% | 4,033 |
| Return on assets (ROA) | 0.6424% | 4,141 |
| Pretax return on assets | 1.0795% | 3,180 |
| Return on Equity (ROE) | 7.7266% | 3,099 |
| Retained earnings to average equity (ytd only) | 5.2308% | 2,182 |
| Net charge-offs to loans | 0.1034% | 2,239 |
| Credit loss provision to net charge-offs | 424.6326% | 758 |
| Earnings coverage of net charge-offs (x) | 20.0875% | 1,873 |
| Efficiency ratio | 56.2177% | 5,046 |
| Assets per employee ($millions) | 9.7311% | 333 |
| Cash dividends to net income (ytd only)* | 32.3014% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,838 |
| Loan loss allowance to noncurrent loans | 115.8783% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.6857% | 2,657 |
| Noncurrent loans to loans | 1.0762% | 1,932 |
| Net loans and leases to total assets | 62.9242% | 3,488 |
| Net loans and leases to deposits | 69.5942% | 3,946 |
| Net loans and leases to core deposits | 71.9779% | 4,082 |
| Total domestic deposits to total assets | 90.4159% | 475 |
| Equity capital to assets | 7.9941% | 5,564 |
| Core capital (leverage) ratio | 8.8974% | 4,856 |
| Tier 1 risk-based capital ratio | 10.6229% | 5,515 |
| Total risk-based capital ratio | 11.7914% | 5,486 |
| Memoranda: | ||
| Average total assets | $2,096,925,400 | 383 |
| Average earning assets | $2,003,836,600 | 366 |
| Average equity | $174,333,000 | 472 |
| Average total loans | $1,381,611,600 | 394 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1928% | 5,367 |
| Cost of funding earning assets | 0.4078% | 2,945 |
| Net interest margin | 2.7850% | 5,380 |
| Noninterest income to average assets | 0.4892% | 3,328 |
| Noninterest expense to average assets | 1.7637% | 5,559 |
| Loan and lease loss provision to assets | 0.3585% | 441 |
| Net operating income to assets | 0.6132% | 4,239 |
| Return on assets (ROA) | 0.6132% | 4,351 |
| Pretax return on assets | 1.0264% | 3,528 |
| Return on Equity (ROE) | 7.2991% | 3,402 |
| Retained earnings to average equity (ytd only) | 4.7809% | 2,969 |
| Net charge-offs to loans | 0.1093% | 1,851 |
| Credit loss provision to net charge-offs | 493.6776% | 717 |
| Earnings coverage of net charge-offs (x) | 19.0685% | 1,961 |
| Efficiency ratio | 56.0161% | 5,065 |
| Assets per employee ($millions) | 8.2766% | 525 |
| Cash dividends to net income (ytd only)* | 34.5005% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,931 |
| Loan loss allowance to noncurrent loans | 120.0834% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.7875% | 2,579 |
| Noncurrent loans to loans | 1.0442% | 2,150 |
| Net loans and leases to total assets | 72.3593% | 2,136 |
| Net loans and leases to deposits | 81.5080% | 2,798 |
| Net loans and leases to core deposits | 84.8063% | 3,054 |
| Total domestic deposits to total assets | 88.7758% | 1,015 |
| Equity capital to assets | 9.2274% | 4,948 |
| Core capital (leverage) ratio | 8.9229% | 4,916 |
| Tier 1 risk-based capital ratio | 10.6401% | 5,554 |
| Total risk-based capital ratio | 11.8101% | 5,515 |
| Memoranda: | ||
| Average total assets | $2,061,620,500 | 388 |
| Average earning assets | $1,968,693,250 | 374 |
| Average equity | $173,186,250 | 475 |
| Average total loans | $1,370,484,500 | 400 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1433% | 5,502 |
| Cost of funding earning assets | 0.3971% | 3,073 |
| Net interest margin | 2.7461% | 5,511 |
| Noninterest income to average assets | 0.4737% | 3,377 |
| Noninterest expense to average assets | 1.7363% | 5,659 |
| Loan and lease loss provision to assets | 0.5012% | 261 |
| Net operating income to assets | 0.5166% | 4,615 |
| Return on assets (ROA) | 0.5166% | 4,729 |
| Pretax return on assets | 0.8620% | 4,076 |
| Return on Equity (ROE) | 6.3379% | 3,883 |
| Retained earnings to average equity (ytd only) | 3.7953% | 3,471 |
| Net charge-offs to loans | 0.1626% | 1,361 |
| Credit loss provision to net charge-offs | 478.4810% | 682 |
| Earnings coverage of net charge-offs (x) | 13.0136% | 2,153 |
| Efficiency ratio | 56.0170% | 5,146 |
| Assets per employee ($millions) | 9.3983% | 340 |
| Cash dividends to net income (ytd only)* | 40.1173% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,936 |
| Loan loss allowance to noncurrent loans | 111.8771% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 2,752 |
| Noncurrent loans to loans | 1.1379% | 2,025 |
| Net loans and leases to total assets | 62.7255% | 3,540 |
| Net loans and leases to deposits | 69.4500% | 4,037 |
| Net loans and leases to core deposits | 71.8877% | 4,188 |
| Total domestic deposits to total assets | 90.3176% | 382 |
| Equity capital to assets | 8.0989% | 5,771 |
| Core capital (leverage) ratio | 8.4915% | 5,374 |
| Tier 1 risk-based capital ratio | 10.6452% | 5,607 |
| Total risk-based capital ratio | 11.8183% | 5,557 |
| Memoranda: | ||
| Average total assets | $2,111,529,330 | 381 |
| Average earning assets | $2,019,049,670 | 369 |
| Average equity | $172,108,670 | 478 |
| Average total loans | $1,360,312,330 | 402 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2234% | 5,453 |
| Cost of funding earning assets | 0.3990% | 3,078 |
| Net interest margin | 2.8244% | 5,433 |
| Noninterest income to average assets | 0.4523% | 3,464 |
| Noninterest expense to average assets | 1.7627% | 5,687 |
| Loan and lease loss provision to assets | 0.3561% | 418 |
| Net operating income to assets | 0.6208% | 4,088 |
| Return on assets (ROA) | 0.6208% | 4,207 |
| Pretax return on assets | 1.0342% | 3,342 |
| Return on Equity (ROE) | 7.5920% | 3,134 |
| Retained earnings to average equity (ytd only) | 5.0061% | 2,940 |
| Net charge-offs to loans | 0.1609% | 1,166 |
| Credit loss provision to net charge-offs | 341.1335% | 786 |
| Earnings coverage of net charge-offs (x) | 13.3181% | 1,743 |
| Efficiency ratio | 55.9046% | 5,199 |
| Assets per employee ($millions) | 9.5078% | 331 |
| Cash dividends to net income (ytd only)* | 34.0609% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 4,302 |
| Loan loss allowance to noncurrent loans | 99.6212% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 2,998 |
| Noncurrent loans to loans | 1.0615% | 2,267 |
| Net loans and leases to total assets | 62.1591% | 3,503 |
| Net loans and leases to deposits | 68.5556% | 3,996 |
| Net loans and leases to core deposits | 70.5679% | 4,195 |
| Total domestic deposits to total assets | 90.6697% | 374 |
| Equity capital to assets | 7.9194% | 5,851 |
| Core capital (leverage) ratio | 8.4566% | 5,431 |
| Tier 1 risk-based capital ratio | 10.6243% | 5,696 |
| Total risk-based capital ratio | 11.6072% | 5,728 |
| Memoranda: | ||
| Average total assets | $2,095,884,000 | 384 |
| Average earning assets | $2,004,091,500 | 371 |
| Average equity | $171,390,500 | 477 |
| Average total loans | $1,359,755,000 | 403 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2135% | 5,504 |
| Cost of funding earning assets | 0.4173% | 2,971 |
| Net interest margin | 2.7962% | 5,518 |
| Noninterest income to average assets | 0.5158% | 3,224 |
| Noninterest expense to average assets | 1.8397% | 5,685 |
| Loan and lease loss provision to assets | 0.3134% | 528 |
| Net operating income to assets | 0.6196% | 4,183 |
| Return on assets (ROA) | 0.6196% | 4,277 |
| Pretax return on assets | 1.0281% | 3,356 |
| Return on Equity (ROE) | 7.1784% | 3,417 |
| Retained earnings to average equity (ytd only) | 6.5076% | 1,537 |
| Net charge-offs to loans | 0.3880% | 740 |
| Credit loss provision to net charge-offs | 123.1162% | 2,105 |
| Earnings coverage of net charge-offs (x) | 5.2702% | 3,417 |
| Efficiency ratio | 57.8321% | 5,160 |
| Assets per employee ($millions) | 8.7207% | 426 |
| Cash dividends to net income (ytd only)* | 9.3449% | 4,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 4,747 |
| Loan loss allowance to noncurrent loans | 55.0341% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 1.2070% | 1,798 |
| Noncurrent loans to loans | 1.7672% | 1,258 |
| Net loans and leases to total assets | 66.4447% | 2,918 |
| Net loans and leases to deposits | 73.8165% | 3,513 |
| Net loans and leases to core deposits | 76.3239% | 3,725 |
| Total domestic deposits to total assets | 90.0134% | 629 |
| Equity capital to assets | 8.4564% | 5,596 |
| Core capital (leverage) ratio | 8.8879% | 5,018 |
| Tier 1 risk-based capital ratio | 10.4656% | 5,791 |
| Total risk-based capital ratio | 11.3557% | 5,855 |
| Memoranda: | ||
| Average total assets | $1,923,931,400 | 390 |
| Average earning assets | $1,833,859,800 | 378 |
| Average equity | $166,067,600 | 477 |
| Average total loans | $1,262,258,600 | 399 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1886% | 5,603 |
| Cost of funding earning assets | 0.4212% | 3,001 |
| Net interest margin | 2.7675% | 5,637 |
| Noninterest income to average assets | 0.5233% | 3,207 |
| Noninterest expense to average assets | 1.8462% | 5,714 |
| Loan and lease loss provision to assets | 0.1263% | 1,791 |
| Net operating income to assets | 0.7157% | 3,843 |
| Return on assets (ROA) | 0.7157% | 3,942 |
| Pretax return on assets | 1.1880% | 2,861 |
| Return on Equity (ROE) | 8.2472% | 2,945 |
| Retained earnings to average equity (ytd only) | 8.2472% | 1,140 |
| Net charge-offs to loans | 0.2476% | 1,057 |
| Credit loss provision to net charge-offs | 78.2023% | 2,638 |
| Earnings coverage of net charge-offs (x) | 8.1381% | 2,842 |
| Efficiency ratio | 58.4149% | 5,068 |
| Assets per employee ($millions) | 7.9272% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 5,275 |
| Loan loss allowance to noncurrent loans | 63.6690% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.1304% | 2,112 |
| Noncurrent loans to loans | 1.3804% | 1,853 |
| Net loans and leases to total assets | 73.4461% | 1,831 |
| Net loans and leases to deposits | 82.9219% | 2,539 |
| Net loans and leases to core deposits | 86.3405% | 2,816 |
| Total domestic deposits to total assets | 88.5726% | 1,258 |
| Equity capital to assets | 9.6156% | 4,616 |
| Core capital (leverage) ratio | 8.9620% | 5,035 |
| Tier 1 risk-based capital ratio | 10.6527% | 5,823 |
| Total risk-based capital ratio | 11.4533% | 5,923 |
| Memoranda: | ||
| Average total assets | $1,901,294,250 | 397 |
| Average earning assets | $1,811,814,250 | 384 |
| Average equity | $164,996,500 | 484 |
| Average total loans | $1,239,907,750 | 409 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0904% | 5,754 |
| Cost of funding earning assets | 0.4075% | 3,193 |
| Net interest margin | 2.6829% | 5,789 |
| Noninterest income to average assets | 0.5027% | 3,355 |
| Noninterest expense to average assets | 1.8101% | 5,833 |
| Loan and lease loss provision to assets | 0.1048% | 2,081 |
| Net operating income to assets | 0.6916% | 3,931 |
| Return on assets (ROA) | 0.6916% | 4,040 |
| Pretax return on assets | 1.1477% | 2,981 |
| Return on Equity (ROE) | 8.2395% | 2,920 |
| Retained earnings to average equity (ytd only) | 8.2395% | 1,171 |
| Net charge-offs to loans | 0.4197% | 613 |
| Credit loss provision to net charge-offs | 39.9530% | 2,820 |
| Earnings coverage of net charge-offs (x) | 4.7732% | 2,995 |
| Efficiency ratio | 59.1019% | 5,098 |
| Assets per employee ($millions) | 8.2628% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8633% | 5,422 |
| Loan loss allowance to noncurrent loans | 68.2801% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 0.9118% | 2,710 |
| Noncurrent loans to loans | 1.2644% | 2,130 |
| Net loans and leases to total assets | 63.6062% | 3,324 |
| Net loans and leases to deposits | 71.0942% | 3,816 |
| Net loans and leases to core deposits | 73.8714% | 3,966 |
| Total domestic deposits to total assets | 89.4675% | 913 |
| Equity capital to assets | 8.8051% | 5,432 |
| Core capital (leverage) ratio | 8.7374% | 5,283 |
| Tier 1 risk-based capital ratio | 11.0873% | 5,665 |
| Total risk-based capital ratio | 11.8719% | 5,818 |
| Memoranda: | ||
| Average total assets | $1,945,802,330 | 393 |
| Average earning assets | $1,856,598,000 | 377 |
| Average equity | $163,335,000 | 488 |
| Average total loans | $1,216,587,000 | 411 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0324% | 5,864 |
| Cost of funding earning assets | 0.3986% | 3,321 |
| Net interest margin | 2.6337% | 5,885 |
| Noninterest income to average assets | 0.4877% | 3,369 |
| Noninterest expense to average assets | 1.7662% | 5,941 |
| Loan and lease loss provision to assets | 0.1825% | 1,046 |
| Net operating income to assets | 0.6371% | 4,102 |
| Return on assets (ROA) | 0.6371% | 4,225 |
| Pretax return on assets | 1.0550% | 3,284 |
| Return on Equity (ROE) | 7.7725% | 3,083 |
| Retained earnings to average equity (ytd only) | 7.7725% | 1,655 |
| Net charge-offs to loans | 0.7104% | 331 |
| Credit loss provision to net charge-offs | 41.6089% | 2,177 |
| Earnings coverage of net charge-offs (x) | 2.8215% | 2,694 |
| Efficiency ratio | 58.7997% | 5,245 |
| Assets per employee ($millions) | 7.5840% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8873% | 5,474 |
| Loan loss allowance to noncurrent loans | 153.6955% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4808% | 4,105 |
| Noncurrent loans to loans | 0.5773% | 3,851 |
| Net loans and leases to total assets | 64.8974% | 2,963 |
| Net loans and leases to deposits | 72.4615% | 3,494 |
| Net loans and leases to core deposits | 75.2820% | 3,663 |
| Total domestic deposits to total assets | 89.5612% | 962 |
| Equity capital to assets | 8.8232% | 5,479 |
| Core capital (leverage) ratio | 8.6082% | 5,411 |
| Tier 1 risk-based capital ratio | 11.0757% | 5,771 |
| Total risk-based capital ratio | 11.8920% | 5,890 |
| Memoranda: | ||
| Average total assets | $1,972,617,000 | 384 |
| Average earning assets | $1,884,462,000 | 376 |
| Average equity | $161,699,000 | 492 |
| Average total loans | $1,217,870,500 | 409 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0456% | 6,013 |
| Cost of funding earning assets | 0.4305% | 3,377 |
| Net interest margin | 2.6151% | 6,046 |
| Noninterest income to average assets | 0.5025% | 3,486 |
| Noninterest expense to average assets | 1.7570% | 6,107 |
| Loan and lease loss provision to assets | 0.2034% | 1,242 |
| Net operating income to assets | 0.6383% | 4,199 |
| Return on assets (ROA) | 0.6383% | 4,301 |
| Pretax return on assets | 1.0428% | 3,335 |
| Return on Equity (ROE) | 8.0303% | 3,122 |
| Retained earnings to average equity (ytd only) | 5.3506% | 2,369 |
| Net charge-offs to loans | 0.0704% | 3,471 |
| Credit loss provision to net charge-offs | 501.7566% | 517 |
| Earnings coverage of net charge-offs (x) | 30.7390% | 1,312 |
| Efficiency ratio | 58.5030% | 5,404 |
| Assets per employee ($millions) | 9.4785% | 293 |
| Cash dividends to net income (ytd only)* | 33.3705% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 5,152 |
| Loan loss allowance to noncurrent loans | 154.9594% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 4,519 |
| Noncurrent loans to loans | 0.6334% | 3,784 |
| Net loans and leases to total assets | 57.8618% | 4,060 |
| Net loans and leases to deposits | 63.8107% | 4,544 |
| Net loans and leases to core deposits | 65.9974% | 4,669 |
| Total domestic deposits to total assets | 90.6773% | 475 |
| Equity capital to assets | 7.6441% | 6,193 |
| Core capital (leverage) ratio | 8.3147% | 5,761 |
| Tier 1 risk-based capital ratio | 11.0864% | 5,876 |
| Total risk-based capital ratio | 12.0228% | 5,940 |
| Memoranda: | ||
| Average total assets | $1,965,814,600 | 373 |
| Average earning assets | $1,879,823,400 | 360 |
| Average equity | $156,245,400 | 485 |
| Average total loans | $1,132,359,400 | 415 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0825% | 6,053 |
| Cost of funding earning assets | 0.4446% | 3,316 |
| Net interest margin | 2.6378% | 6,089 |
| Noninterest income to average assets | 0.5137% | 3,453 |
| Noninterest expense to average assets | 1.7945% | 6,098 |
| Loan and lease loss provision to assets | 0.0657% | 3,038 |
| Net operating income to assets | 0.7173% | 3,854 |
| Return on assets (ROA) | 0.7173% | 3,956 |
| Pretax return on assets | 1.1743% | 2,895 |
| Return on Equity (ROE) | 8.9327% | 2,729 |
| Retained earnings to average equity (ytd only) | 6.2391% | 2,256 |
| Net charge-offs to loans | 0.0272% | 3,951 |
| Credit loss provision to net charge-offs | 421.6814% | 665 |
| Earnings coverage of net charge-offs (x) | 79.5697% | 707 |
| Efficiency ratio | 59.1360% | 5,297 |
| Assets per employee ($millions) | 8.1415% | 490 |
| Cash dividends to net income (ytd only)* | 30.1547% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 5,807 |
| Loan loss allowance to noncurrent loans | 107.4938% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 4,339 |
| Noncurrent loans to loans | 0.7686% | 3,667 |
| Net loans and leases to total assets | 63.3479% | 3,291 |
| Net loans and leases to deposits | 70.8697% | 3,814 |
| Net loans and leases to core deposits | 73.6022% | 3,985 |
| Total domestic deposits to total assets | 89.3864% | 1,034 |
| Equity capital to assets | 8.7995% | 5,553 |
| Core capital (leverage) ratio | 8.1804% | 5,952 |
| Tier 1 risk-based capital ratio | 11.5257% | 5,781 |
| Total risk-based capital ratio | 12.3097% | 5,923 |
| Memoranda: | ||
| Average total assets | $1,933,582,000 | 373 |
| Average earning assets | $1,847,790,500 | 360 |
| Average equity | $155,275,500 | 485 |
| Average total loans | $1,109,431,500 | 422 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0057% | 6,172 |
| Cost of funding earning assets | 0.4445% | 3,393 |
| Net interest margin | 2.5612% | 6,215 |
| Noninterest income to average assets | 0.4813% | 3,621 |
| Noninterest expense to average assets | 1.7606% | 6,195 |
| Loan and lease loss provision to assets | 0.0199% | 3,876 |
| Net operating income to assets | 0.7011% | 3,836 |
| Return on assets (ROA) | 0.7011% | 3,924 |
| Pretax return on assets | 1.1498% | 2,880 |
| Return on Equity (ROE) | 8.9937% | 2,604 |
| Retained earnings to average equity (ytd only) | 6.2836% | 2,165 |
| Net charge-offs to loans | 0.0133% | 3,973 |
| Credit loss provision to net charge-offs | 269.8630% | 937 |
| Earnings coverage of net charge-offs (x) | 158.2877% | 393 |
| Efficiency ratio | 60.0822% | 5,284 |
| Assets per employee ($millions) | 8.3630% | 427 |
| Cash dividends to net income (ytd only)* | 30.1328% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7933% | 5,993 |
| Loan loss allowance to noncurrent loans | 74.4853% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 3,929 |
| Noncurrent loans to loans | 1.0651% | 3,100 |
| Net loans and leases to total assets | 59.1242% | 3,846 |
| Net loans and leases to deposits | 65.7220% | 4,295 |
| Net loans and leases to core deposits | 68.3845% | 4,426 |
| Total domestic deposits to total assets | 89.9611% | 833 |
| Equity capital to assets | 8.2955% | 5,953 |
| Core capital (leverage) ratio | 7.4768% | 6,318 |
| Tier 1 risk-based capital ratio | 11.7414% | 5,671 |
| Total risk-based capital ratio | 12.4965% | 5,879 |
| Memoranda: | ||
| Average total assets | $1,975,638,330 | 369 |
| Average earning assets | $1,889,218,670 | 352 |
| Average equity | $154,019,670 | 488 |
| Average total loans | $1,094,409,670 | 422 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8455% | 6,363 |
| Cost of funding earning assets | 0.4533% | 3,393 |
| Net interest margin | 2.3921% | 6,427 |
| Noninterest income to average assets | 0.4330% | 3,928 |
| Noninterest expense to average assets | 1.7227% | 6,319 |
| Loan and lease loss provision to assets | 0.0799% | 2,548 |
| Net operating income to assets | 0.5616% | 4,406 |
| Return on assets (ROA) | 0.5616% | 4,483 |
| Pretax return on assets | 0.9205% | 3,622 |
| Return on Equity (ROE) | 7.4268% | 3,245 |
| Retained earnings to average equity (ytd only) | 4.6988% | 3,296 |
| Net charge-offs to loans | 0.1743% | 1,673 |
| Credit loss provision to net charge-offs | 85.7447% | 1,841 |
| Earnings coverage of net charge-offs (x) | 10.7404% | 1,838 |
| Efficiency ratio | 63.2632% | 4,966 |
| Assets per employee ($millions) | 8.9779% | 337 |
| Cash dividends to net income (ytd only)* | 36.7325% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 6,105 |
| Loan loss allowance to noncurrent loans | 114.8391% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 4,986 |
| Noncurrent loans to loans | 0.6959% | 4,126 |
| Net loans and leases to total assets | 51.2307% | 4,760 |
| Net loans and leases to deposits | 56.0639% | 5,113 |
| Net loans and leases to core deposits | 58.0521% | 5,197 |
| Total domestic deposits to total assets | 91.3790% | 421 |
| Equity capital to assets | 7.2475% | 6,392 |
| Core capital (leverage) ratio | 7.4571% | 6,351 |
| Tier 1 risk-based capital ratio | 11.5067% | 5,911 |
| Total risk-based capital ratio | 12.2521% | 6,107 |
| Memoranda: | ||
| Average total assets | $2,018,434,500 | 360 |
| Average earning assets | $1,932,327,000 | 343 |
| Average equity | $152,635,500 | 493 |
| Average total loans | $1,078,409,000 | 425 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3133% | 5,984 |
| Cost of funding earning assets | 0.5228% | 3,376 |
| Net interest margin | 2.7905% | 5,997 |
| Noninterest income to average assets | 0.8420% | 1,898 |
| Noninterest expense to average assets | 2.0556% | 5,914 |
| Loan and lease loss provision to assets | 0.0702% | 3,720 |
| Net operating income to assets | 0.8265% | 3,150 |
| Return on assets (ROA) | 0.8265% | 3,239 |
| Pretax return on assets | 1.3697% | 1,902 |
| Return on Equity (ROE) | 10.0609% | 2,089 |
| Retained earnings to average equity (ytd only) | 7.7309% | 1,141 |
| Net charge-offs to loans | 0.1540% | 3,265 |
| Credit loss provision to net charge-offs | 78.4289% | 3,085 |
| Earnings coverage of net charge-offs (x) | 16.0767% | 1,825 |
| Efficiency ratio | 58.8067% | 5,632 |
| Assets per employee ($millions) | 8.3034% | 417 |
| Cash dividends to net income (ytd only)* | 23.1590% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 6,105 |
| Loan loss allowance to noncurrent loans | 113.4836% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 4,941 |
| Noncurrent loans to loans | 0.7307% | 4,133 |
| Net loans and leases to total assets | 54.9399% | 4,467 |
| Net loans and leases to deposits | 60.6849% | 4,874 |
| Net loans and leases to core deposits | 62.9225% | 4,977 |
| Total domestic deposits to total assets | 90.5330% | 792 |
| Equity capital to assets | 7.9095% | 6,078 |
| Core capital (leverage) ratio | 8.2719% | 5,906 |
| Tier 1 risk-based capital ratio | 11.7136% | 5,797 |
| Total risk-based capital ratio | 12.4890% | 6,001 |
| Memoranda: | ||
| Average total assets | $1,790,858,200 | 386 |
| Average earning assets | $1,702,979,800 | 369 |
| Average equity | $147,124,200 | 496 |
| Average total loans | $1,041,812,400 | 419 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3917% | 5,897 |
| Cost of funding earning assets | 0.5364% | 3,403 |
| Net interest margin | 2.8553% | 5,906 |
| Noninterest income to average assets | 0.9704% | 1,538 |
| Noninterest expense to average assets | 2.1710% | 5,677 |
| Loan and lease loss provision to assets | 0.1041% | 3,023 |
| Net operating income to assets | 0.8507% | 3,094 |
| Return on assets (ROA) | 0.8507% | 3,207 |
| Pretax return on assets | 1.4068% | 1,911 |
| Return on Equity (ROE) | 10.2507% | 2,083 |
| Retained earnings to average equity (ytd only) | 8.0787% | 1,379 |
| Net charge-offs to loans | 0.0484% | 4,213 |
| Credit loss provision to net charge-offs | 365.4255% | 721 |
| Earnings coverage of net charge-offs (x) | 53.0160% | 830 |
| Efficiency ratio | 58.9641% | 5,562 |
| Assets per employee ($millions) | 7.2464% | 664 |
| Cash dividends to net income (ytd only)* | 21.1886% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 5,776 |
| Loan loss allowance to noncurrent loans | 119.9905% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 4,831 |
| Noncurrent loans to loans | 0.8234% | 4,188 |
| Net loans and leases to total assets | 60.5387% | 3,605 |
| Net loans and leases to deposits | 67.7887% | 4,091 |
| Net loans and leases to core deposits | 71.1889% | 4,193 |
| Total domestic deposits to total assets | 89.3050% | 1,402 |
| Equity capital to assets | 8.8889% | 5,310 |
| Core capital (leverage) ratio | 8.2397% | 6,023 |
| Tier 1 risk-based capital ratio | 11.3719% | 6,110 |
| Total risk-based capital ratio | 12.2416% | 6,251 |
| Memoranda: | ||
| Average total assets | $1,759,050,250 | 394 |
| Average earning assets | $1,670,502,500 | 376 |
| Average equity | $145,977,250 | 505 |
| Average total loans | $1,036,613,500 | 421 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4021% | 5,901 |
| Cost of funding earning assets | 0.5390% | 3,511 |
| Net interest margin | 2.8631% | 5,867 |
| Noninterest income to average assets | 1.0622% | 1,358 |
| Noninterest expense to average assets | 2.1940% | 5,648 |
| Loan and lease loss provision to assets | 0.1405% | 2,573 |
| Net operating income to assets | 0.8770% | 2,928 |
| Return on assets (ROA) | 0.8770% | 3,070 |
| Pretax return on assets | 1.4491% | 1,767 |
| Return on Equity (ROE) | 10.8090% | 1,876 |
| Retained earnings to average equity (ytd only) | 8.8894% | 1,166 |
| Net charge-offs to loans | 0.0364% | 4,170 |
| Credit loss provision to net charge-offs | 663.4921% | 446 |
| Earnings coverage of net charge-offs (x) | 75.0635% | 605 |
| Efficiency ratio | 57.9881% | 5,736 |
| Assets per employee ($millions) | 6.4440% | 930 |
| Cash dividends to net income (ytd only)* | 17.7590% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 5,903 |
| Loan loss allowance to noncurrent loans | 128.5750% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 5,048 |
| Noncurrent loans to loans | 0.7605% | 4,399 |
| Net loans and leases to total assets | 58.8513% | 3,850 |
| Net loans and leases to deposits | 66.5969% | 4,196 |
| Net loans and leases to core deposits | 69.9162% | 4,286 |
| Total domestic deposits to total assets | 88.3695% | 2,000 |
| Equity capital to assets | 8.3740% | 5,893 |
| Core capital (leverage) ratio | 7.7915% | 6,311 |
| Tier 1 risk-based capital ratio | 10.4662% | 6,516 |
| Total risk-based capital ratio | 11.2890% | 6,602 |
| Memoranda: | ||
| Average total assets | $1,785,014,670 | 386 |
| Average earning assets | $1,696,708,670 | 369 |
| Average equity | $144,824,330 | 512 |
| Average total loans | $1,039,515,670 | 415 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4504% | 5,833 |
| Cost of funding earning assets | 0.5318% | 3,756 |
| Net interest margin | 2.9187% | 5,776 |
| Noninterest income to average assets | 1.0490% | 1,347 |
| Noninterest expense to average assets | 2.2384% | 5,592 |
| Loan and lease loss provision to assets | 0.0614% | 3,611 |
| Net operating income to assets | 0.9213% | 2,560 |
| Return on assets (ROA) | 0.9213% | 2,704 |
| Pretax return on assets | 1.5247% | 1,502 |
| Return on Equity (ROE) | 11.5365% | 1,542 |
| Retained earnings to average equity (ytd only) | 10.3999% | 1,007 |
| Net charge-offs to loans | 0.0783% | 3,057 |
| Credit loss provision to net charge-offs | 135.9606% | 1,463 |
| Earnings coverage of net charge-offs (x) | 35.1182% | 877 |
| Efficiency ratio | 58.5282% | 5,777 |
| Assets per employee ($millions) | 7.0363% | 752 |
| Cash dividends to net income (ytd only)* | 9.8527% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 6,221 |
| Loan loss allowance to noncurrent loans | 132.6103% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4026% | 5,384 |
| Noncurrent loans to loans | 0.6905% | 4,745 |
| Net loans and leases to total assets | 53.3698% | 4,506 |
| Net loans and leases to deposits | 59.8297% | 4,809 |
| Net loans and leases to core deposits | 62.5464% | 4,899 |
| Total domestic deposits to total assets | 89.2029% | 1,559 |
| Equity capital to assets | 7.7650% | 6,494 |
| Core capital (leverage) ratio | 7.7093% | 6,347 |
| Tier 1 risk-based capital ratio | 10.2280% | 6,655 |
| Total risk-based capital ratio | 10.9726% | 6,711 |
| Memoranda: | ||
| Average total assets | $1,797,916,000 | 388 |
| Average earning assets | $1,709,692,000 | 374 |
| Average equity | $143,578,500 | 524 |
| Average total loans | $1,036,502,000 | 414 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7995% | 5,820 |
| Cost of funding earning assets | 0.6565% | 3,858 |
| Net interest margin | 3.1430% | 5,716 |
| Noninterest income to average assets | 1.1598% | 1,158 |
| Noninterest expense to average assets | 2.4383% | 5,288 |
| Loan and lease loss provision to assets | 0.7027% | 729 |
| Net operating income to assets | 0.6230% | 4,126 |
| Return on assets (ROA) | 0.6230% | 4,386 |
| Pretax return on assets | 0.9992% | 3,548 |
| Return on Equity (ROE) | 6.7898% | 3,764 |
| Retained earnings to average equity (ytd only) | -20.3408% | 6,856 |
| Net charge-offs to loans | 1.1211% | 933 |
| Credit loss provision to net charge-offs | 104.2363% | 2,867 |
| Earnings coverage of net charge-offs (x) | 2.5244% | 4,156 |
| Efficiency ratio | 58.8934% | 5,707 |
| Assets per employee ($millions) | 6.4576% | 1,024 |
| Cash dividends to net income (ytd only)* | 399.5794% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 6,371 |
| Loan loss allowance to noncurrent loans | 97.6853% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.5502% | 5,105 |
| Noncurrent loans to loans | 0.8804% | 4,417 |
| Net loans and leases to total assets | 61.2301% | 3,385 |
| Net loans and leases to deposits | 69.9304% | 3,725 |
| Net loans and leases to core deposits | 73.0752% | 3,915 |
| Total domestic deposits to total assets | 87.5587% | 2,501 |
| Equity capital to assets | 8.2256% | 6,261 |
| Core capital (leverage) ratio | 8.1383% | 6,055 |
| Tier 1 risk-based capital ratio | 9.6559% | 6,782 |
| Total risk-based capital ratio | 10.3679% | 6,839 |
| Memoranda: | ||
| Average total assets | $1,526,579,400 | 444 |
| Average earning assets | $1,447,622,200 | 417 |
| Average equity | $140,077,800 | 520 |
| Average total loans | $918,012,000 | 449 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7773% | 6,077 |
| Cost of funding earning assets | 0.6785% | 3,949 |
| Net interest margin | 3.0988% | 5,938 |
| Noninterest income to average assets | 1.0282% | 1,432 |
| Noninterest expense to average assets | 2.4714% | 5,177 |
| Loan and lease loss provision to assets | 0.7916% | 600 |
| Net operating income to assets | 0.4438% | 5,062 |
| Return on assets (ROA) | 0.4438% | 5,303 |
| Pretax return on assets | 0.7053% | 4,844 |
| Return on Equity (ROE) | 4.6948% | 4,966 |
| Retained earnings to average equity (ytd only) | -30.1059% | 7,056 |
| Net charge-offs to loans | 1.3129% | 718 |
| Credit loss provision to net charge-offs | 101.0602% | 2,923 |
| Earnings coverage of net charge-offs (x) | 1.9110% | 4,305 |
| Efficiency ratio | 62.2791% | 5,106 |
| Assets per employee ($millions) | 5.7764% | 1,397 |
| Cash dividends to net income (ytd only)* | 741.2646% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 6,494 |
| Loan loss allowance to noncurrent loans | 92.0618% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.6207% | 5,120 |
| Noncurrent loans to loans | 0.9279% | 4,576 |
| Net loans and leases to total assets | 66.0790% | 2,634 |
| Net loans and leases to deposits | 76.7424% | 2,863 |
| Net loans and leases to core deposits | 80.4564% | 3,144 |
| Total domestic deposits to total assets | 86.1049% | 3,194 |
| Equity capital to assets | 9.0077% | 5,820 |
| Core capital (leverage) ratio | 8.7422% | 5,413 |
| Tier 1 risk-based capital ratio | 9.8620% | 6,828 |
| Total risk-based capital ratio | 10.5759% | 6,916 |
| Memoranda: | ||
| Average total assets | $1,477,181,250 | 451 |
| Average earning assets | $1,401,489,000 | 433 |
| Average equity | $139,641,500 | 519 |
| Average total loans | $881,297,250 | 467 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7470% | 6,259 |
| Cost of funding earning assets | 0.6953% | 4,053 |
| Net interest margin | 3.0518% | 6,121 |
| Noninterest income to average assets | 0.9623% | 1,572 |
| Noninterest expense to average assets | 2.3782% | 5,534 |
| Loan and lease loss provision to assets | 0.1767% | 3,332 |
| Net operating income to assets | 0.8122% | 3,347 |
| Return on assets (ROA) | 0.8122% | 3,602 |
| Pretax return on assets | 1.3118% | 2,512 |
| Return on Equity (ROE) | 8.4506% | 3,042 |
| Retained earnings to average equity (ytd only) | 5.6404% | 2,904 |
| Net charge-offs to loans | 0.0811% | 4,334 |
| Credit loss provision to net charge-offs | 381.0089% | 786 |
| Earnings coverage of net charge-offs (x) | 32.1009% | 1,025 |
| Efficiency ratio | 61.5045% | 5,332 |
| Assets per employee ($millions) | 5.7670% | 1,403 |
| Cash dividends to net income (ytd only)* | 33.2543% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 5,658 |
| Loan loss allowance to noncurrent loans | 113.9540% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 5,239 |
| Noncurrent loans to loans | 0.9898% | 4,524 |
| Net loans and leases to total assets | 59.5010% | 3,910 |
| Net loans and leases to deposits | 69.8043% | 3,925 |
| Net loans and leases to core deposits | 72.5955% | 4,229 |
| Total domestic deposits to total assets | 85.2397% | 3,747 |
| Equity capital to assets | 9.9390% | 4,438 |
| Core capital (leverage) ratio | 9.8605% | 3,638 |
| Tier 1 risk-based capital ratio | 13.5993% | 4,740 |
| Total risk-based capital ratio | 14.5657% | 4,920 |
| Memoranda: | ||
| Average total assets | $1,453,548,330 | 462 |
| Average earning assets | $1,383,332,000 | 439 |
| Average equity | $139,706,330 | 513 |
| Average total loans | $831,139,670 | 494 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7025% | 6,434 |
| Cost of funding earning assets | 0.7098% | 4,200 |
| Net interest margin | 2.9927% | 6,307 |
| Noninterest income to average assets | 0.8152% | 2,089 |
| Noninterest expense to average assets | 2.3606% | 5,594 |
| Loan and lease loss provision to assets | 0.1749% | 3,213 |
| Net operating income to assets | 0.7065% | 3,856 |
| Return on assets (ROA) | 0.7065% | 4,075 |
| Pretax return on assets | 1.1334% | 3,186 |
| Return on Equity (ROE) | 7.4742% | 3,515 |
| Retained earnings to average equity (ytd only) | 4.6465% | 3,783 |
| Net charge-offs to loans | 0.0963% | 3,564 |
| Credit loss provision to net charge-offs | 325.8883% | 919 |
| Earnings coverage of net charge-offs (x) | 24.3756% | 1,057 |
| Efficiency ratio | 64.3398% | 4,863 |
| Assets per employee ($millions) | 6.2763% | 1,104 |
| Cash dividends to net income (ytd only)* | 37.8326% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 5,830 |
| Loan loss allowance to noncurrent loans | 178.6090% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 5,599 |
| Noncurrent loans to loans | 0.6281% | 5,389 |
| Net loans and leases to total assets | 52.9807% | 4,886 |
| Net loans and leases to deposits | 61.3152% | 5,008 |
| Net loans and leases to core deposits | 64.1810% | 5,093 |
| Total domestic deposits to total assets | 86.4072% | 3,300 |
| Equity capital to assets | 9.1556% | 5,285 |
| Core capital (leverage) ratio | 9.6374% | 3,865 |
| Tier 1 risk-based capital ratio | 14.0561% | 4,433 |
| Total risk-based capital ratio | 15.0201% | 4,615 |
| Memoranda: | ||
| Average total assets | $1,468,101,500 | 455 |
| Average earning assets | $1,399,925,000 | 434 |
| Average equity | $138,771,500 | 514 |
| Average total loans | $818,096,500 | 497 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9100% | 6,601 |
| Cost of funding earning assets | 0.8553% | 4,437 |
| Net interest margin | 3.0547% | 6,438 |
| Noninterest income to average assets | 0.9802% | 1,423 |
| Noninterest expense to average assets | 2.4163% | 5,730 |
| Loan and lease loss provision to assets | 0.0905% | 5,455 |
| Net operating income to assets | 0.8538% | 2,801 |
| Return on assets (ROA) | 0.8538% | 2,957 |
| Pretax return on assets | 1.3838% | 1,829 |
| Return on Equity (ROE) | 8.7527% | 2,564 |
| Retained earnings to average equity (ytd only) | 6.3888% | 1,808 |
| Net charge-offs to loans | 0.1761% | 4,741 |
| Credit loss provision to net charge-offs | 92.3647% | 3,900 |
| Earnings coverage of net charge-offs (x) | 15.0482% | 1,420 |
| Efficiency ratio | 62.1064% | 5,442 |
| Assets per employee ($millions) | 5.8309% | 1,346 |
| Cash dividends to net income (ytd only)* | 27.0075% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 5,943 |
| Loan loss allowance to noncurrent loans | 138.1812% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 5,475 |
| Noncurrent loans to loans | 0.7707% | 5,151 |
| Net loans and leases to total assets | 57.4229% | 4,477 |
| Net loans and leases to deposits | 68.2303% | 4,402 |
| Net loans and leases to core deposits | 70.8742% | 4,663 |
| Total domestic deposits to total assets | 84.1604% | 4,254 |
| Equity capital to assets | 9.7733% | 4,479 |
| Core capital (leverage) ratio | 10.4639% | 2,767 |
| Tier 1 risk-based capital ratio | 14.0646% | 4,282 |
| Total risk-based capital ratio | 14.9931% | 4,488 |
| Memoranda: | ||
| Average total assets | $1,376,917,000 | 480 |
| Average earning assets | $1,311,871,000 | 456 |
| Average equity | $134,312,400 | 519 |
| Average total loans | $766,017,400 | 533 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9215% | 6,708 |
| Cost of funding earning assets | 0.8507% | 4,768 |
| Net interest margin | 3.0707% | 6,446 |
| Noninterest income to average assets | 0.9557% | 1,466 |
| Noninterest expense to average assets | 2.3928% | 5,780 |
| Loan and lease loss provision to assets | 0.0344% | 6,007 |
| Net operating income to assets | 0.8936% | 2,764 |
| Return on assets (ROA) | 0.8936% | 2,915 |
| Pretax return on assets | 1.4539% | 1,777 |
| Return on Equity (ROE) | 9.1653% | 2,522 |
| Retained earnings to average equity (ytd only) | 6.9157% | 2,021 |
| Net charge-offs to loans | 0.1970% | 4,223 |
| Credit loss provision to net charge-offs | 31.7446% | 5,385 |
| Earnings coverage of net charge-offs (x) | 13.7356% | 1,595 |
| Efficiency ratio | 61.6539% | 5,467 |
| Assets per employee ($millions) | 5.3907% | 1,708 |
| Cash dividends to net income (ytd only)* | 24.5448% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 6,137 |
| Loan loss allowance to noncurrent loans | 189.6990% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 5,799 |
| Noncurrent loans to loans | 0.5412% | 5,784 |
| Net loans and leases to total assets | 60.1007% | 4,111 |
| Net loans and leases to deposits | 72.6641% | 3,859 |
| Net loans and leases to core deposits | 75.9386% | 4,202 |
| Total domestic deposits to total assets | 82.7104% | 4,790 |
| Equity capital to assets | 10.5846% | 3,595 |
| Core capital (leverage) ratio | 10.5968% | 2,767 |
| Tier 1 risk-based capital ratio | 14.4890% | 3,986 |
| Total risk-based capital ratio | 15.3863% | 4,219 |
| Memoranda: | ||
| Average total assets | $1,368,377,750 | 489 |
| Average earning assets | $1,303,632,500 | 465 |
| Average equity | $133,413,500 | 527 |
| Average total loans | $752,771,500 | 551 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8199% | 6,902 |
| Cost of funding earning assets | 0.8595% | 4,985 |
| Net interest margin | 2.9604% | 6,674 |
| Noninterest income to average assets | 0.9186% | 1,589 |
| Noninterest expense to average assets | 2.3433% | 6,017 |
| Loan and lease loss provision to assets | 0.0969% | 5,115 |
| Net operating income to assets | 0.8046% | 3,053 |
| Return on assets (ROA) | 0.8046% | 3,177 |
| Pretax return on assets | 1.3007% | 2,138 |
| Return on Equity (ROE) | 8.4771% | 2,720 |
| Retained earnings to average equity (ytd only) | 6.4686% | 2,157 |
| Net charge-offs to loans | 0.2766% | 3,507 |
| Credit loss provision to net charge-offs | 65.7895% | 4,179 |
| Earnings coverage of net charge-offs (x) | 9.4893% | 1,916 |
| Efficiency ratio | 62.6401% | 5,471 |
| Assets per employee ($millions) | 5.9450% | 1,218 |
| Cash dividends to net income (ytd only)* | 23.6931% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 5,958 |
| Loan loss allowance to noncurrent loans | 222.2397% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 6,059 |
| Noncurrent loans to loans | 0.4950% | 5,915 |
| Net loans and leases to total assets | 53.1731% | 5,405 |
| Net loans and leases to deposits | 63.3073% | 5,362 |
| Net loans and leases to core deposits | 65.6524% | 5,549 |
| Total domestic deposits to total assets | 83.9920% | 4,355 |
| Equity capital to assets | 9.3703% | 5,036 |
| Core capital (leverage) ratio | 9.9165% | 3,367 |
| Tier 1 risk-based capital ratio | 14.3776% | 3,881 |
| Total risk-based capital ratio | 15.3347% | 4,081 |
| Memoranda: | ||
| Average total assets | $1,393,249,330 | 487 |
| Average earning assets | $1,328,246,000 | 462 |
| Average equity | $132,238,000 | 529 |
| Average total loans | $741,819,670 | 572 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 6,918 |
| Cost of funding earning assets | 0.8849% | 5,032 |
| Net interest margin | 2.9418% | 6,688 |
| Noninterest income to average assets | 1.0324% | 1,233 |
| Noninterest expense to average assets | 2.4888% | 5,593 |
| Loan and lease loss provision to assets | 0.0023% | 5,828 |
| Net operating income to assets | 0.8355% | 2,854 |
| Return on assets (ROA) | 0.8355% | 2,914 |
| Pretax return on assets | 1.3440% | 1,897 |
| Return on Equity (ROE) | 8.7449% | 2,590 |
| Retained earnings to average equity (ytd only) | 7.4982% | 1,942 |
| Net charge-offs to loans | 0.4294% | 2,408 |
| Credit loss provision to net charge-offs | 1.0243% | 4,469 |
| Earnings coverage of net charge-offs (x) | 5.9193% | 2,185 |
| Efficiency ratio | 64.8948% | 5,204 |
| Assets per employee ($millions) | 5.9023% | 1,268 |
| Cash dividends to net income (ytd only)* | 14.2558% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 6,086 |
| Loan loss allowance to noncurrent loans | 209.1972% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 6,165 |
| Noncurrent loans to loans | 0.5204% | 5,985 |
| Net loans and leases to total assets | 48.0370% | 6,071 |
| Net loans and leases to deposits | 56.9855% | 6,031 |
| Net loans and leases to core deposits | 58.9658% | 6,183 |
| Total domestic deposits to total assets | 84.2968% | 4,369 |
| Equity capital to assets | 8.6863% | 5,675 |
| Core capital (leverage) ratio | 10.0513% | 3,087 |
| Tier 1 risk-based capital ratio | 14.7589% | 3,574 |
| Total risk-based capital ratio | 15.7070% | 3,725 |
| Memoranda: | ||
| Average total assets | $1,373,505,500 | 499 |
| Average earning assets | $1,308,585,000 | 478 |
| Average equity | $131,231,000 | 529 |
| Average total loans | $727,577,500 | 586 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3259% | 6,741 |
| Cost of funding earning assets | 1.2366% | 4,314 |
| Net interest margin | 3.0893% | 6,543 |
| Noninterest income to average assets | 1.5968% | 568 |
| Noninterest expense to average assets | 2.9171% | 4,154 |
| Loan and lease loss provision to assets | 0.4774% | 3,272 |
| Net operating income to assets | 0.7290% | 3,105 |
| Return on assets (ROA) | 0.7289% | 3,231 |
| Pretax return on assets | 1.1311% | 2,461 |
| Return on Equity (ROE) | 6.9278% | 3,157 |
| Retained earnings to average equity (ytd only) | 5.6325% | 2,030 |
| Net charge-offs to loans | 0.8207% | 2,585 |
| Credit loss provision to net charge-offs | 107.0493% | 4,152 |
| Earnings coverage of net charge-offs (x) | 3.6073% | 3,281 |
| Efficiency ratio | 64.4556% | 5,274 |
| Assets per employee ($millions) | 4.8008% | 2,415 |
| Cash dividends to net income (ytd only)* | 18.6971% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 5,358 |
| Loan loss allowance to noncurrent loans | 153.0789% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.7009% | 5,601 |
| Noncurrent loans to loans | 0.8056% | 5,434 |
| Net loans and leases to total assets | 57.7328% | 5,067 |
| Net loans and leases to deposits | 71.7160% | 4,565 |
| Net loans and leases to core deposits | 74.6607% | 4,892 |
| Total domestic deposits to total assets | 80.5019% | 5,685 |
| Equity capital to assets | 10.6344% | 3,035 |
| Core capital (leverage) ratio | 10.5792% | 2,484 |
| Tier 1 risk-based capital ratio | 14.1321% | 3,783 |
| Total risk-based capital ratio | 15.1396% | 3,914 |
| Memoranda: | ||
| Average total assets | $1,215,185,200 | 553 |
| Average earning assets | $1,152,105,800 | 530 |
| Average equity | $127,847,000 | 530 |
| Average total loans | $660,326,200 | 661 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3601% | 6,876 |
| Cost of funding earning assets | 1.2892% | 4,299 |
| Net interest margin | 3.0709% | 6,684 |
| Noninterest income to average assets | 1.4098% | 685 |
| Noninterest expense to average assets | 2.7374% | 4,734 |
| Loan and lease loss provision to assets | 0.2198% | 4,865 |
| Net operating income to assets | 0.8695% | 2,736 |
| Return on assets (ROA) | 0.8694% | 2,875 |
| Pretax return on assets | 1.3643% | 1,994 |
| Return on Equity (ROE) | 8.2861% | 2,796 |
| Retained earnings to average equity (ytd only) | 6.9880% | 1,854 |
| Net charge-offs to loans | 0.2143% | 4,656 |
| Credit loss provision to net charge-offs | 192.4928% | 1,858 |
| Earnings coverage of net charge-offs (x) | 13.8720% | 1,554 |
| Efficiency ratio | 63.3406% | 5,372 |
| Assets per employee ($millions) | 5.0004% | 2,180 |
| Cash dividends to net income (ytd only)* | 15.6657% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 4,385 |
| Loan loss allowance to noncurrent loans | 134.0938% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6035% | 5,926 |
| Noncurrent loans to loans | 1.0533% | 5,135 |
| Net loans and leases to total assets | 50.6836% | 6,248 |
| Net loans and leases to deposits | 63.6028% | 5,961 |
| Net loans and leases to core deposits | 65.6951% | 6,150 |
| Total domestic deposits to total assets | 79.6877% | 5,812 |
| Equity capital to assets | 10.0885% | 4,041 |
| Core capital (leverage) ratio | 10.8661% | 2,358 |
| Tier 1 risk-based capital ratio | 15.3559% | 3,069 |
| Total risk-based capital ratio | 16.5319% | 3,074 |
| Memoranda: | ||
| Average total assets | $1,212,929,250 | 550 |
| Average earning assets | $1,150,166,750 | 524 |
| Average equity | $127,262,000 | 525 |
| Average total loans | $646,509,000 | 682 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5261% | 6,650 |
| Cost of funding earning assets | 1.4154% | 3,777 |
| Net interest margin | 3.1107% | 6,580 |
| Noninterest income to average assets | 1.2668% | 803 |
| Noninterest expense to average assets | 2.7474% | 4,708 |
| Loan and lease loss provision to assets | 0.2109% | 4,770 |
| Net operating income to assets | 0.8095% | 2,925 |
| Return on assets (ROA) | 0.8093% | 3,075 |
| Pretax return on assets | 1.2550% | 2,241 |
| Return on Equity (ROE) | 7.6064% | 3,056 |
| Retained earnings to average equity (ytd only) | 6.3046% | 2,165 |
| Net charge-offs to loans | 0.1787% | 4,538 |
| Credit loss provision to net charge-offs | 218.5315% | 1,781 |
| Earnings coverage of net charge-offs (x) | 15.1941% | 1,469 |
| Efficiency ratio | 65.2040% | 5,118 |
| Assets per employee ($millions) | 4.6238% | 2,697 |
| Cash dividends to net income (ytd only)* | 17.1149% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 4,440 |
| Loan loss allowance to noncurrent loans | 71.4980% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.1142% | 4,900 |
| Noncurrent loans to loans | 1.9541% | 3,781 |
| Net loans and leases to total assets | 54.3803% | 5,937 |
| Net loans and leases to deposits | 70.8690% | 5,155 |
| Net loans and leases to core deposits | 73.9250% | 5,458 |
| Total domestic deposits to total assets | 76.7335% | 6,558 |
| Equity capital to assets | 10.8570% | 3,014 |
| Core capital (leverage) ratio | 10.5682% | 2,569 |
| Tier 1 risk-based capital ratio | 15.6847% | 2,811 |
| Total risk-based capital ratio | 16.8742% | 2,805 |
| Memoranda: | ||
| Average total assets | $1,185,540,670 | 563 |
| Average earning assets | $1,123,080,670 | 537 |
| Average equity | $126,130,670 | 526 |
| Average total loans | $640,077,000 | 698 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3861% | 7,012 |
| Cost of funding earning assets | 1.3209% | 4,684 |
| Net interest margin | 3.0652% | 6,680 |
| Noninterest income to average assets | 1.1429% | 960 |
| Noninterest expense to average assets | 2.7261% | 4,783 |
| Loan and lease loss provision to assets | 0.1517% | 5,022 |
| Net operating income to assets | 0.7614% | 3,149 |
| Return on assets (ROA) | 0.7609% | 3,260 |
| Pretax return on assets | 1.1692% | 2,477 |
| Return on Equity (ROE) | 7.2260% | 3,232 |
| Retained earnings to average equity (ytd only) | 5.9197% | 2,657 |
| Net charge-offs to loans | 0.1799% | 3,842 |
| Credit loss provision to net charge-offs | 157.8947% | 2,273 |
| Earnings coverage of net charge-offs (x) | 13.7544% | 1,474 |
| Efficiency ratio | 67.3497% | 4,842 |
| Assets per employee ($millions) | 4.7420% | 2,581 |
| Cash dividends to net income (ytd only)* | 18.0771% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 4,725 |
| Loan loss allowance to noncurrent loans | 68.8475% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.1217% | 4,914 |
| Noncurrent loans to loans | 1.9491% | 3,860 |
| Net loans and leases to total assets | 52.1313% | 6,257 |
| Net loans and leases to deposits | 67.8550% | 5,610 |
| Net loans and leases to core deposits | 70.2364% | 5,894 |
| Total domestic deposits to total assets | 76.8276% | 6,590 |
| Equity capital to assets | 10.3488% | 3,410 |
| Core capital (leverage) ratio | 10.5355% | 2,587 |
| Tier 1 risk-based capital ratio | 15.4821% | 2,877 |
| Total risk-based capital ratio | 16.6096% | 2,893 |
| Memoranda: | ||
| Average total assets | $1,186,459,000 | 577 |
| Average earning assets | $1,124,376,500 | 552 |
| Average equity | $124,938,500 | 536 |
| Average total loans | $633,704,000 | 723 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 7,042 |
| Cost of funding earning assets | 1.6391% | 4,849 |
| Net interest margin | 3.1166% | 6,323 |
| Noninterest income to average assets | 1.5421% | 598 |
| Noninterest expense to average assets | 2.9340% | 4,413 |
| Loan and lease loss provision to assets | 0.2944% | 5,071 |
| Net operating income to assets | 0.8547% | 2,335 |
| Return on assets (ROA) | 0.8549% | 2,409 |
| Pretax return on assets | 1.2653% | 1,792 |
| Return on Equity (ROE) | 8.0004% | 2,371 |
| Retained earnings to average equity (ytd only) | 6.6121% | 1,117 |
| Net charge-offs to loans | 0.3941% | 4,240 |
| Credit loss provision to net charge-offs | 136.9167% | 3,600 |
| Earnings coverage of net charge-offs (x) | 7.2525% | 2,189 |
| Efficiency ratio | 65.2963% | 5,537 |
| Assets per employee ($millions) | 4.5449% | 2,844 |
| Cash dividends to net income (ytd only)* | 17.3530% | 3,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 4,489 |
| Loan loss allowance to noncurrent loans | 125.1371% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6849% | 5,736 |
| Noncurrent loans to loans | 1.0779% | 5,164 |
| Net loans and leases to total assets | 53.2809% | 6,273 |
| Net loans and leases to deposits | 70.5413% | 5,532 |
| Net loans and leases to core deposits | 77.9152% | 6,262 |
| Total domestic deposits to total assets | 75.5315% | 6,770 |
| Equity capital to assets | 10.7206% | 2,951 |
| Core capital (leverage) ratio | 10.6611% | 2,465 |
| Tier 1 risk-based capital ratio | 15.2409% | 2,825 |
| Total risk-based capital ratio | 16.3430% | 2,846 |
| Memoranda: | ||
| Average total assets | $1,116,235,400 | 597 |
| Average earning assets | $1,057,023,200 | 574 |
| Average equity | $119,281,000 | 553 |
| Average total loans | $608,960,600 | 768 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8029% | 7,116 |
| Cost of funding earning assets | 1.6888% | 4,956 |
| Net interest margin | 3.1141% | 6,270 |
| Noninterest income to average assets | 1.6486% | 539 |
| Noninterest expense to average assets | 2.9892% | 4,094 |
| Loan and lease loss provision to assets | 0.3131% | 4,468 |
| Net operating income to assets | 0.8666% | 2,548 |
| Return on assets (ROA) | 0.8669% | 2,616 |
| Pretax return on assets | 1.2956% | 1,962 |
| Return on Equity (ROE) | 8.1191% | 2,592 |
| Retained earnings to average equity (ytd only) | 6.7208% | 1,620 |
| Net charge-offs to loans | 0.3281% | 3,997 |
| Credit loss provision to net charge-offs | 174.4624% | 2,655 |
| Earnings coverage of net charge-offs (x) | 8.9617% | 2,170 |
| Efficiency ratio | 65.0193% | 5,549 |
| Assets per employee ($millions) | 4.3065% | 3,201 |
| Cash dividends to net income (ytd only)* | 17.2232% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 3,848 |
| Loan loss allowance to noncurrent loans | 98.9607% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.8911% | 5,295 |
| Noncurrent loans to loans | 1.4333% | 4,521 |
| Net loans and leases to total assets | 54.6255% | 6,312 |
| Net loans and leases to deposits | 72.4882% | 5,580 |
| Net loans and leases to core deposits | 80.2124% | 6,334 |
| Total domestic deposits to total assets | 75.3578% | 6,704 |
| Equity capital to assets | 11.1105% | 2,912 |
| Core capital (leverage) ratio | 10.9312% | 2,452 |
| Tier 1 risk-based capital ratio | 15.2308% | 2,936 |
| Total risk-based capital ratio | 16.3838% | 2,919 |
| Memoranda: | ||
| Average total assets | $1,105,555,000 | 612 |
| Average earning assets | $1,046,874,250 | 587 |
| Average equity | $118,039,500 | 567 |
| Average total loans | $604,714,250 | 795 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 7,189 |
| Cost of funding earning assets | 1.7128% | 5,209 |
| Net interest margin | 3.1096% | 6,201 |
| Noninterest income to average assets | 1.6711% | 524 |
| Noninterest expense to average assets | 3.1058% | 3,680 |
| Loan and lease loss provision to assets | 0.3445% | 3,867 |
| Net operating income to assets | 0.7649% | 2,991 |
| Return on assets (ROA) | 0.7654% | 3,097 |
| Pretax return on assets | 1.1659% | 2,409 |
| Return on Equity (ROE) | 7.2669% | 3,082 |
| Retained earnings to average equity (ytd only) | 5.8581% | 2,090 |
| Net charge-offs to loans | 0.4384% | 3,056 |
| Credit loss provision to net charge-offs | 144.2846% | 3,210 |
| Earnings coverage of net charge-offs (x) | 6.3232% | 2,645 |
| Efficiency ratio | 67.2906% | 5,294 |
| Assets per employee ($millions) | 4.0959% | 3,506 |
| Cash dividends to net income (ytd only)* | 19.3861% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 4,050 |
| Loan loss allowance to noncurrent loans | 125.9202% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.6181% | 5,873 |
| Noncurrent loans to loans | 1.0626% | 5,087 |
| Net loans and leases to total assets | 54.8999% | 6,347 |
| Net loans and leases to deposits | 72.6810% | 5,644 |
| Net loans and leases to core deposits | 81.7486% | 6,264 |
| Total domestic deposits to total assets | 75.5354% | 6,652 |
| Equity capital to assets | 10.8241% | 3,084 |
| Core capital (leverage) ratio | 10.7431% | 2,613 |
| Tier 1 risk-based capital ratio | 14.4806% | 3,255 |
| Total risk-based capital ratio | 15.5405% | 3,293 |
| Memoranda: | ||
| Average total assets | $1,106,582,670 | 627 |
| Average earning assets | $1,047,778,670 | 596 |
| Average equity | $116,556,000 | 581 |
| Average total loans | $602,653,670 | 815 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7835% | 7,395 |
| Cost of funding earning assets | 1.7312% | 5,468 |
| Net interest margin | 3.0523% | 6,332 |
| Noninterest income to average assets | 1.3577% | 775 |
| Noninterest expense to average assets | 2.9356% | 4,032 |
| Loan and lease loss provision to assets | 0.3198% | 3,415 |
| Net operating income to assets | 0.6617% | 3,750 |
| Return on assets (ROA) | 0.6627% | 3,923 |
| Pretax return on assets | 0.9947% | 3,363 |
| Return on Equity (ROE) | 6.3779% | 3,873 |
| Retained earnings to average equity (ytd only) | 4.9668% | 3,148 |
| Net charge-offs to loans | 0.5969% | 1,983 |
| Credit loss provision to net charge-offs | 99.4413% | 3,813 |
| Earnings coverage of net charge-offs (x) | 4.0827% | 2,983 |
| Efficiency ratio | 69.0941% | 4,759 |
| Assets per employee ($millions) | 4.0226% | 3,618 |
| Cash dividends to net income (ytd only)* | 22.1258% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 4,555 |
| Loan loss allowance to noncurrent loans | 100.5726% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.7935% | 5,194 |
| Noncurrent loans to loans | 1.2278% | 4,515 |
| Net loans and leases to total assets | 56.8791% | 6,113 |
| Net loans and leases to deposits | 74.7709% | 5,387 |
| Net loans and leases to core deposits | 82.6671% | 6,178 |
| Total domestic deposits to total assets | 76.0712% | 6,494 |
| Equity capital to assets | 11.0447% | 2,926 |
| Core capital (leverage) ratio | 10.6393% | 2,798 |
| Tier 1 risk-based capital ratio | 14.4543% | 3,332 |
| Total risk-based capital ratio | 15.4623% | 3,399 |
| Memoranda: | ||
| Average total assets | $1,113,078,000 | 620 |
| Average earning assets | $1,054,284,000 | 600 |
| Average equity | $115,648,500 | 581 |
| Average total loans | $599,719,000 | 825 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3711% | 7,504 |
| Cost of funding earning assets | 2.3262% | 5,030 |
| Net interest margin | 3.0449% | 6,800 |
| Noninterest income to average assets | 1.4142% | 724 |
| Noninterest expense to average assets | 3.0384% | 3,941 |
| Loan and lease loss provision to assets | 0.2785% | 4,164 |
| Net operating income to assets | 0.6459% | 4,123 |
| Return on assets (ROA) | 0.6579% | 3,920 |
| Pretax return on assets | 0.9708% | 3,483 |
| Return on Equity (ROE) | 6.3734% | 3,807 |
| Retained earnings to average equity (ytd only) | 4.8624% | 2,103 |
| Net charge-offs to loans | 0.1951% | 4,238 |
| Credit loss provision to net charge-offs | 297.5904% | 1,522 |
| Earnings coverage of net charge-offs (x) | 13.1596% | 2,163 |
| Efficiency ratio | 71.1573% | 4,093 |
| Assets per employee ($millions) | 4.6943% | 2,336 |
| Cash dividends to net income (ytd only)* | 23.7075% | 4,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 3,886 |
| Loan loss allowance to noncurrent loans | 102.9704% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.7323% | 5,031 |
| Noncurrent loans to loans | 1.2485% | 4,015 |
| Net loans and leases to total assets | 49.8451% | 7,043 |
| Net loans and leases to deposits | 63.5891% | 6,834 |
| Net loans and leases to core deposits | 69.3259% | 7,228 |
| Total domestic deposits to total assets | 78.3863% | 5,586 |
| Equity capital to assets | 9.7928% | 4,299 |
| Core capital (leverage) ratio | 10.4482% | 3,022 |
| Tier 1 risk-based capital ratio | 14.7810% | 3,157 |
| Total risk-based capital ratio | 15.8382% | 3,176 |
| Memoranda: | ||
| Average total assets | $1,064,239,800 | 624 |
| Average earning assets | $998,160,800 | 602 |
| Average equity | $109,863,400 | 614 |
| Average total loans | $510,630,200 | 936 |