Home > First American Bank > Performance and Condition Ratios
First American Bank, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5856% | 4,793 |
| Cost of funding earning assets | 0.9631% | 1,891 |
| Net interest margin | 2.6226% | 4,889 |
| Noninterest income to average assets | 4.5114% | 100 |
| Noninterest expense to average assets | 2.6669% | 2,975 |
| Loan and lease loss provision to assets | -0.5723% | 5,172 |
| Net operating income to assets | 4.5804% | 46 |
| Return on assets (ROA) | 4.5794% | 49 |
| Pretax return on assets | 4.7653% | 52 |
| Return on Equity (ROE) | 34.3697% | 30 |
| Retained earnings to average equity (ytd only) | 19.5771% | 35 |
| Net charge-offs to loans | -0.0757% | 4,907 |
| Credit loss provision to net charge-offs | 1,478.4431% | 240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8705% | 5,083 |
| Assets per employee ($millions) | 6.0813% | 1,574 |
| Cash dividends to net income (ytd only)* | 43.0397% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,171 |
| Loan loss allowance to noncurrent loans | 872.4014% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 3,277 |
| Noncurrent loans to loans | 0.1433% | 3,956 |
| Net loans and leases to total assets | 28.4883% | 4,989 |
| Net loans and leases to deposits | 37.7401% | 4,943 |
| Net loans and leases to core deposits | 41.4016% | 4,920 |
| Total domestic deposits to total assets | 75.4854% | 4,659 |
| Equity capital to assets | 18.6833% | 320 |
| Core capital (leverage) ratio | 15.8878% | 540 |
| Tier 1 risk-based capital ratio | 50.8692% | 128 |
| Total risk-based capital ratio | 51.9105% | 129 |
| Memoranda: | ||
| Average total assets | $862,776,600 | 914 |
| Average earning assets | $772,945,800 | 934 |
| Average equity | $114,956,000 | 793 |
| Average total loans | $441,323,600 | 1,177 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6585% | 4,826 |
| Cost of funding earning assets | 0.9448% | 2,013 |
| Net interest margin | 2.7137% | 4,931 |
| Noninterest income to average assets | 3.3787% | 129 |
| Noninterest expense to average assets | 2.8093% | 2,537 |
| Loan and lease loss provision to assets | -0.1344% | 5,187 |
| Net operating income to assets | 3.0176% | 81 |
| Return on assets (ROA) | 3.0248% | 84 |
| Pretax return on assets | 3.1463% | 101 |
| Return on Equity (ROE) | 24.5321% | 104 |
| Retained earnings to average equity (ytd only) | 22.7063% | 35 |
| Net charge-offs to loans | -0.0268% | 4,665 |
| Credit loss provision to net charge-offs | 907.9208% | 387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3223% | 4,836 |
| Assets per employee ($millions) | 6.2436% | 1,432 |
| Cash dividends to net income (ytd only)* | 7.4426% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 1,658 |
| Loan loss allowance to noncurrent loans | 832.9317% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 3,026 |
| Noncurrent loans to loans | 0.1653% | 3,949 |
| Net loans and leases to total assets | 51.3397% | 4,348 |
| Net loans and leases to deposits | 67.4035% | 3,962 |
| Net loans and leases to core deposits | 73.9780% | 3,833 |
| Total domestic deposits to total assets | 76.1677% | 4,632 |
| Equity capital to assets | 14.1095% | 1,108 |
| Core capital (leverage) ratio | 14.0937% | 962 |
| Tier 1 risk-based capital ratio | 26.5531% | 673 |
| Total risk-based capital ratio | 27.8047% | 659 |
| Memoranda: | ||
| Average total assets | $909,714,500 | 866 |
| Average earning assets | $816,268,500 | 886 |
| Average equity | $112,165,750 | 807 |
| Average total loans | $502,970,250 | 1,073 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7627% | 4,755 |
| Cost of funding earning assets | 0.9017% | 2,130 |
| Net interest margin | 2.8610% | 4,860 |
| Noninterest income to average assets | 4.5718% | 102 |
| Noninterest expense to average assets | 2.9056% | 2,271 |
| Loan and lease loss provision to assets | -0.1986% | 5,250 |
| Net operating income to assets | 4.2598% | 42 |
| Return on assets (ROA) | 4.2598% | 45 |
| Pretax return on assets | 4.4321% | 54 |
| Return on Equity (ROE) | 36.1843% | 24 |
| Retained earnings to average equity (ytd only) | 34.2696% | 12 |
| Net charge-offs to loans | 0.0108% | 2,747 |
| Credit loss provision to net charge-offs | -3,275.0000% | 4,445 |
| Earnings coverage of net charge-offs (x) | 698.2857% | 112 |
| Efficiency ratio | 40.6994% | 5,147 |
| Assets per employee ($millions) | 5.7821% | 1,708 |
| Cash dividends to net income (ytd only)* | 5.2915% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 1,850 |
| Loan loss allowance to noncurrent loans | 692.3864% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 3,039 |
| Noncurrent loans to loans | 0.1937% | 3,859 |
| Net loans and leases to total assets | 52.3779% | 4,331 |
| Net loans and leases to deposits | 69.4369% | 3,886 |
| Net loans and leases to core deposits | 75.9629% | 3,733 |
| Total domestic deposits to total assets | 75.4323% | 4,734 |
| Equity capital to assets | 14.2751% | 1,018 |
| Core capital (leverage) ratio | 12.6546% | 1,457 |
| Tier 1 risk-based capital ratio | 25.7915% | 700 |
| Total risk-based capital ratio | 27.0425% | 685 |
| Memoranda: | ||
| Average total assets | $923,667,670 | 845 |
| Average earning assets | $828,862,330 | 867 |
| Average equity | $108,737,670 | 826 |
| Average total loans | $520,035,000 | 1,035 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5907% | 4,974 |
| Cost of funding earning assets | 0.8113% | 2,473 |
| Net interest margin | 2.7794% | 5,005 |
| Noninterest income to average assets | 0.7059% | 1,590 |
| Noninterest expense to average assets | 2.6958% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4862% | 4,555 |
| Return on assets (ROA) | 0.4862% | 4,576 |
| Pretax return on assets | 0.5029% | 4,674 |
| Return on Equity (ROE) | 4.5635% | 4,456 |
| Retained earnings to average equity (ytd only) | 2.5484% | 3,908 |
| Net charge-offs to loans | -0.0080% | 4,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2779% | 690 |
| Assets per employee ($millions) | 5.6428% | 1,848 |
| Cash dividends to net income (ytd only)* | 44.1581% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,236 |
| Loan loss allowance to noncurrent loans | 664.3732% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 2,951 |
| Noncurrent loans to loans | 0.1908% | 3,901 |
| Net loans and leases to total assets | 57.2199% | 3,965 |
| Net loans and leases to deposits | 75.4480% | 3,312 |
| Net loans and leases to core deposits | 80.6975% | 3,303 |
| Total domestic deposits to total assets | 75.8402% | 4,779 |
| Equity capital to assets | 10.7358% | 3,125 |
| Core capital (leverage) ratio | 11.0234% | 2,555 |
| Tier 1 risk-based capital ratio | 17.8579% | 1,828 |
| Total risk-based capital ratio | 19.0979% | 1,793 |
| Memoranda: | ||
| Average total assets | $957,622,500 | 817 |
| Average earning assets | $858,883,000 | 841 |
| Average equity | $102,026,500 | 873 |
| Average total loans | $552,892,000 | 976 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5308% | 4,886 |
| Cost of funding earning assets | 0.5792% | 2,860 |
| Net interest margin | 2.9516% | 4,847 |
| Noninterest income to average assets | 0.9043% | 1,169 |
| Noninterest expense to average assets | 2.7303% | 2,929 |
| Loan and lease loss provision to assets | -0.2037% | 5,335 |
| Net operating income to assets | 0.9783% | 3,104 |
| Return on assets (ROA) | 0.9783% | 3,106 |
| Pretax return on assets | 1.0126% | 3,559 |
| Return on Equity (ROE) | 9.5612% | 2,716 |
| Retained earnings to average equity (ytd only) | 7.5662% | 1,430 |
| Net charge-offs to loans | -0.0829% | 5,108 |
| Credit loss provision to net charge-offs | 422.9075% | 792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8242% | 1,254 |
| Assets per employee ($millions) | 5.6233% | 1,839 |
| Cash dividends to net income (ytd only)* | 20.8654% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 2,145 |
| Loan loss allowance to noncurrent loans | 648.0663% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 2,905 |
| Noncurrent loans to loans | 0.1975% | 3,870 |
| Net loans and leases to total assets | 56.7801% | 4,070 |
| Net loans and leases to deposits | 75.4205% | 3,394 |
| Net loans and leases to core deposits | 80.3369% | 3,402 |
| Total domestic deposits to total assets | 75.2847% | 4,840 |
| Equity capital to assets | 10.5722% | 3,106 |
| Core capital (leverage) ratio | 10.8927% | 2,634 |
| Tier 1 risk-based capital ratio | 17.8378% | 1,801 |
| Total risk-based capital ratio | 19.0822% | 1,761 |
| Memoranda: | ||
| Average total assets | $942,524,600 | 808 |
| Average earning assets | $841,400,200 | 836 |
| Average equity | $96,441,800 | 878 |
| Average total loans | $547,369,400 | 957 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5127% | 4,918 |
| Cost of funding earning assets | 0.5288% | 3,005 |
| Net interest margin | 2.9839% | 4,872 |
| Noninterest income to average assets | 0.8870% | 1,232 |
| Noninterest expense to average assets | 2.7973% | 2,635 |
| Loan and lease loss provision to assets | -0.2271% | 5,411 |
| Net operating income to assets | 0.9429% | 3,336 |
| Return on assets (ROA) | 0.9429% | 3,340 |
| Pretax return on assets | 0.9781% | 3,785 |
| Return on Equity (ROE) | 9.2939% | 2,959 |
| Retained earnings to average equity (ytd only) | 7.2874% | 1,981 |
| Net charge-offs to loans | -0.0600% | 4,998 |
| Credit loss provision to net charge-offs | 650.4065% | 559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4068% | 1,079 |
| Assets per employee ($millions) | 5.5073% | 1,909 |
| Cash dividends to net income (ytd only)* | 21.5899% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 2,040 |
| Loan loss allowance to noncurrent loans | 629.9559% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 2,964 |
| Noncurrent loans to loans | 0.2084% | 3,965 |
| Net loans and leases to total assets | 57.7342% | 4,067 |
| Net loans and leases to deposits | 75.4846% | 3,458 |
| Net loans and leases to core deposits | 80.5160% | 3,456 |
| Total domestic deposits to total assets | 76.4847% | 4,731 |
| Equity capital to assets | 10.4799% | 3,166 |
| Core capital (leverage) ratio | 10.9595% | 2,621 |
| Tier 1 risk-based capital ratio | 17.7578% | 1,855 |
| Total risk-based capital ratio | 19.0084% | 1,813 |
| Memoranda: | ||
| Average total assets | $939,165,250 | 809 |
| Average earning assets | $837,616,000 | 840 |
| Average equity | $95,285,750 | 886 |
| Average total loans | $546,753,250 | 960 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4400% | 4,986 |
| Cost of funding earning assets | 0.4918% | 3,066 |
| Net interest margin | 2.9482% | 4,948 |
| Noninterest income to average assets | 0.8221% | 1,409 |
| Noninterest expense to average assets | 2.8183% | 2,607 |
| Loan and lease loss provision to assets | -0.0425% | 5,368 |
| Net operating income to assets | 0.6520% | 4,339 |
| Return on assets (ROA) | 0.6520% | 4,348 |
| Pretax return on assets | 0.6745% | 4,570 |
| Return on Equity (ROE) | 6.4971% | 4,064 |
| Retained earnings to average equity (ytd only) | 4.5359% | 3,325 |
| Net charge-offs to loans | -0.0756% | 5,062 |
| Credit loss provision to net charge-offs | 96.6184% | 2,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1150% | 908 |
| Assets per employee ($millions) | 5.5302% | 1,858 |
| Cash dividends to net income (ytd only)* | 30.1856% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5553% | 1,222 |
| Loan loss allowance to noncurrent loans | 84.3592% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.3624% | 1,025 |
| Noncurrent loans to loans | 1.8437% | 843 |
| Net loans and leases to total assets | 56.6349% | 4,110 |
| Net loans and leases to deposits | 73.3385% | 3,598 |
| Net loans and leases to core deposits | 77.5906% | 3,609 |
| Total domestic deposits to total assets | 77.2239% | 4,705 |
| Equity capital to assets | 10.0036% | 3,614 |
| Core capital (leverage) ratio | 9.9203% | 3,668 |
| Tier 1 risk-based capital ratio | 17.0651% | 2,080 |
| Total risk-based capital ratio | 18.3184% | 2,023 |
| Memoranda: | ||
| Average total assets | $941,975,000 | 810 |
| Average earning assets | $839,766,000 | 839 |
| Average equity | $94,534,330 | 888 |
| Average total loans | $547,503,330 | 963 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3100% | 5,128 |
| Cost of funding earning assets | 0.4453% | 3,239 |
| Net interest margin | 2.8647% | 5,076 |
| Noninterest income to average assets | 0.8488% | 1,304 |
| Noninterest expense to average assets | 2.9235% | 2,274 |
| Loan and lease loss provision to assets | -0.0853% | 5,499 |
| Net operating income to assets | 0.5629% | 4,534 |
| Return on assets (ROA) | 0.5629% | 4,537 |
| Pretax return on assets | 0.5799% | 4,735 |
| Return on Equity (ROE) | 5.5994% | 4,280 |
| Retained earnings to average equity (ytd only) | 3.6976% | 3,716 |
| Net charge-offs to loans | -0.0336% | 4,789 |
| Credit loss provision to net charge-offs | 434.7826% | 654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9563% | 720 |
| Assets per employee ($millions) | 4.9564% | 2,536 |
| Cash dividends to net income (ytd only)* | 33.9651% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 1,393 |
| Loan loss allowance to noncurrent loans | 611.7216% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 2,968 |
| Noncurrent loans to loans | 0.2485% | 3,871 |
| Net loans and leases to total assets | 58.3628% | 3,906 |
| Net loans and leases to deposits | 76.0302% | 3,208 |
| Net loans and leases to core deposits | 80.5557% | 3,281 |
| Total domestic deposits to total assets | 76.7626% | 4,889 |
| Equity capital to assets | 10.1514% | 3,452 |
| Core capital (leverage) ratio | 10.7661% | 2,665 |
| Tier 1 risk-based capital ratio | 17.1736% | 2,067 |
| Total risk-based capital ratio | 18.4269% | 2,019 |
| Memoranda: | ||
| Average total assets | $937,364,500 | 814 |
| Average earning assets | $840,725,000 | 845 |
| Average equity | $94,224,500 | 896 |
| Average total loans | $547,645,000 | 969 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3396% | 5,034 |
| Cost of funding earning assets | 0.4756% | 2,541 |
| Net interest margin | 2.8640% | 5,088 |
| Noninterest income to average assets | 1.3393% | 584 |
| Noninterest expense to average assets | 3.0408% | 2,042 |
| Loan and lease loss provision to assets | -0.3147% | 5,618 |
| Net operating income to assets | 1.1185% | 1,799 |
| Return on assets (ROA) | 1.1196% | 1,821 |
| Pretax return on assets | 1.1666% | 2,912 |
| Return on Equity (ROE) | 10.3602% | 1,746 |
| Retained earnings to average equity (ytd only) | 9.4013% | 443 |
| Net charge-offs to loans | -0.0794% | 5,313 |
| Credit loss provision to net charge-offs | 688.0734% | 479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6415% | 1,403 |
| Assets per employee ($millions) | 4.9113% | 2,584 |
| Cash dividends to net income (ytd only)* | 9.2561% | 3,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 1,253 |
| Loan loss allowance to noncurrent loans | 484.8347% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 2,873 |
| Noncurrent loans to loans | 0.3212% | 3,621 |
| Net loans and leases to total assets | 56.7056% | 4,128 |
| Net loans and leases to deposits | 77.7976% | 3,136 |
| Net loans and leases to core deposits | 80.9476% | 3,342 |
| Total domestic deposits to total assets | 72.8887% | 5,267 |
| Equity capital to assets | 9.9550% | 3,752 |
| Core capital (leverage) ratio | 10.1996% | 3,189 |
| Tier 1 risk-based capital ratio | 17.1493% | 2,040 |
| Total risk-based capital ratio | 18.4032% | 1,996 |
| Memoranda: | ||
| Average total assets | $953,346,800 | 778 |
| Average earning assets | $849,595,200 | 810 |
| Average equity | $103,028,600 | 801 |
| Average total loans | $549,009,800 | 937 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3624% | 5,017 |
| Cost of funding earning assets | 0.4595% | 2,619 |
| Net interest margin | 2.9029% | 5,081 |
| Noninterest income to average assets | 1.8927% | 334 |
| Noninterest expense to average assets | 3.0799% | 1,856 |
| Loan and lease loss provision to assets | -0.1397% | 5,624 |
| Net operating income to assets | 1.4748% | 945 |
| Return on assets (ROA) | 1.4763% | 960 |
| Pretax return on assets | 1.5372% | 1,638 |
| Return on Equity (ROE) | 13.3982% | 958 |
| Retained earnings to average equity (ytd only) | 12.7747% | 237 |
| Net charge-offs to loans | -0.0684% | 5,268 |
| Credit loss provision to net charge-offs | 354.6099% | 858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3807% | 2,805 |
| Assets per employee ($millions) | 4.7038% | 2,827 |
| Cash dividends to net income (ytd only)* | 4.6542% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9302% | 661 |
| Loan loss allowance to noncurrent loans | 469.8139% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 2,831 |
| Noncurrent loans to loans | 0.4108% | 3,473 |
| Net loans and leases to total assets | 56.4623% | 4,194 |
| Net loans and leases to deposits | 80.1854% | 2,955 |
| Net loans and leases to core deposits | 81.6267% | 3,315 |
| Total domestic deposits to total assets | 70.4147% | 5,464 |
| Equity capital to assets | 11.4048% | 2,461 |
| Core capital (leverage) ratio | 11.3939% | 2,107 |
| Tier 1 risk-based capital ratio | 19.1893% | 1,539 |
| Total risk-based capital ratio | 20.4476% | 1,497 |
| Memoranda: | ||
| Average total assets | $954,711,500 | 781 |
| Average earning assets | $849,558,500 | 816 |
| Average equity | $105,195,250 | 779 |
| Average total loans | $549,759,750 | 938 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3644% | 5,009 |
| Cost of funding earning assets | 0.4387% | 2,712 |
| Net interest margin | 2.9257% | 5,047 |
| Noninterest income to average assets | 2.3848% | 243 |
| Noninterest expense to average assets | 3.1385% | 1,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7767% | 470 |
| Return on assets (ROA) | 1.7789% | 479 |
| Pretax return on assets | 1.8512% | 742 |
| Return on Equity (ROE) | 16.3293% | 487 |
| Retained earnings to average equity (ytd only) | 16.3293% | 97 |
| Net charge-offs to loans | -0.0945% | 5,393 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5448% | 3,899 |
| Assets per employee ($millions) | 4.7359% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0539% | 547 |
| Loan loss allowance to noncurrent loans | 222.0263% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 1.1744% | 1,453 |
| Noncurrent loans to loans | 0.9251% | 2,118 |
| Net loans and leases to total assets | 58.5065% | 3,975 |
| Net loans and leases to deposits | 82.6197% | 2,638 |
| Net loans and leases to core deposits | 83.9424% | 3,075 |
| Total domestic deposits to total assets | 70.8143% | 5,512 |
| Equity capital to assets | 11.3360% | 2,464 |
| Core capital (leverage) ratio | 11.1383% | 2,282 |
| Tier 1 risk-based capital ratio | 18.4944% | 1,715 |
| Total risk-based capital ratio | 19.7543% | 1,675 |
| Memoranda: | ||
| Average total assets | $962,500,670 | 779 |
| Average earning assets | $856,207,330 | 804 |
| Average equity | $104,854,330 | 784 |
| Average total loans | $554,277,000 | 929 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2100% | 5,233 |
| Cost of funding earning assets | 0.4134% | 2,870 |
| Net interest margin | 2.7966% | 5,244 |
| Noninterest income to average assets | 3.6469% | 164 |
| Noninterest expense to average assets | 3.1010% | 1,860 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.9183% | 98 |
| Return on assets (ROA) | 2.9226% | 102 |
| Pretax return on assets | 3.0416% | 131 |
| Return on Equity (ROE) | 27.3497% | 63 |
| Retained earnings to average equity (ytd only) | 27.3497% | 39 |
| Net charge-offs to loans | -0.1742% | 5,596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2157% | 5,364 |
| Assets per employee ($millions) | 4.5060% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1337% | 519 |
| Loan loss allowance to noncurrent loans | 149.9602% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 1.4192% | 1,168 |
| Noncurrent loans to loans | 1.4229% | 1,423 |
| Net loans and leases to total assets | 55.8848% | 4,186 |
| Net loans and leases to deposits | 79.7330% | 2,780 |
| Net loans and leases to core deposits | 80.6567% | 3,234 |
| Total domestic deposits to total assets | 70.0899% | 5,628 |
| Equity capital to assets | 11.6930% | 2,043 |
| Core capital (leverage) ratio | 10.8688% | 2,521 |
| Tier 1 risk-based capital ratio | 19.5772% | 1,482 |
| Total risk-based capital ratio | 20.8373% | 1,455 |
| Memoranda: | ||
| Average total assets | $981,997,500 | 764 |
| Average earning assets | $874,765,000 | 787 |
| Average equity | $104,937,000 | 782 |
| Average total loans | $555,594,500 | 926 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9460% | 5,540 |
| Cost of funding earning assets | 0.3761% | 3,245 |
| Net interest margin | 2.5699% | 5,544 |
| Noninterest income to average assets | 0.9673% | 1,217 |
| Noninterest expense to average assets | 2.8050% | 3,005 |
| Loan and lease loss provision to assets | -0.1382% | 5,735 |
| Net operating income to assets | 0.5811% | 4,287 |
| Return on assets (ROA) | 0.5811% | 4,395 |
| Pretax return on assets | 0.6065% | 4,769 |
| Return on Equity (ROE) | 5.9621% | 3,997 |
| Retained earnings to average equity (ytd only) | 5.9621% | 1,723 |
| Net charge-offs to loans | 0.0939% | 2,372 |
| Credit loss provision to net charge-offs | -276.9376% | 5,054 |
| Earnings coverage of net charge-offs (x) | 9.3800% | 2,758 |
| Efficiency ratio | 84.8873% | 916 |
| Assets per employee ($millions) | 4.6446% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9046% | 796 |
| Loan loss allowance to noncurrent loans | 134.1738% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.3019% | 1,347 |
| Noncurrent loans to loans | 1.4195% | 1,433 |
| Net loans and leases to total assets | 55.0387% | 4,345 |
| Net loans and leases to deposits | 75.0274% | 3,410 |
| Net loans and leases to core deposits | 75.8935% | 3,757 |
| Total domestic deposits to total assets | 73.3581% | 5,487 |
| Equity capital to assets | 9.7837% | 3,964 |
| Core capital (leverage) ratio | 9.6651% | 3,894 |
| Tier 1 risk-based capital ratio | 16.5849% | 2,313 |
| Total risk-based capital ratio | 17.8427% | 2,252 |
| Memoranda: | ||
| Average total assets | $1,059,677,800 | 679 |
| Average earning assets | $950,864,600 | 691 |
| Average equity | $103,286,200 | 765 |
| Average total loans | $563,444,600 | 880 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9340% | 5,623 |
| Cost of funding earning assets | 0.3691% | 3,339 |
| Net interest margin | 2.5649% | 5,614 |
| Noninterest income to average assets | 0.9093% | 1,379 |
| Noninterest expense to average assets | 2.8176% | 2,945 |
| Loan and lease loss provision to assets | -0.1251% | 5,816 |
| Net operating income to assets | 0.4950% | 4,715 |
| Return on assets (ROA) | 0.4950% | 4,809 |
| Pretax return on assets | 0.5199% | 5,078 |
| Return on Equity (ROE) | 5.0827% | 4,481 |
| Retained earnings to average equity (ytd only) | 5.0827% | 2,767 |
| Net charge-offs to loans | 0.1224% | 1,732 |
| Credit loss provision to net charge-offs | -194.9318% | 4,858 |
| Earnings coverage of net charge-offs (x) | 6.1501% | 3,033 |
| Efficiency ratio | 86.8004% | 752 |
| Assets per employee ($millions) | 4.6555% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0592% | 653 |
| Loan loss allowance to noncurrent loans | 170.7927% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 1.0921% | 1,871 |
| Noncurrent loans to loans | 1.2057% | 1,860 |
| Net loans and leases to total assets | 51.0773% | 4,728 |
| Net loans and leases to deposits | 70.2505% | 3,967 |
| Net loans and leases to core deposits | 71.0954% | 4,241 |
| Total domestic deposits to total assets | 72.7075% | 5,545 |
| Equity capital to assets | 9.6265% | 4,536 |
| Core capital (leverage) ratio | 9.4772% | 4,208 |
| Tier 1 risk-based capital ratio | 16.4334% | 2,445 |
| Total risk-based capital ratio | 17.6925% | 2,394 |
| Memoranda: | ||
| Average total assets | $1,065,659,000 | 678 |
| Average earning assets | $956,857,000 | 693 |
| Average equity | $103,774,000 | 765 |
| Average total loans | $559,022,500 | 889 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9297% | 5,706 |
| Cost of funding earning assets | 0.3634% | 3,418 |
| Net interest margin | 2.5663% | 5,695 |
| Noninterest income to average assets | 0.9456% | 1,253 |
| Noninterest expense to average assets | 2.8326% | 2,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3989% | 5,034 |
| Return on assets (ROA) | 0.3989% | 5,115 |
| Pretax return on assets | 0.4181% | 5,314 |
| Return on Equity (ROE) | 4.0806% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.0806% | 3,306 |
| Net charge-offs to loans | 0.2332% | 1,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.4117% | 3,114 |
| Efficiency ratio | 86.0493% | 878 |
| Assets per employee ($millions) | 4.6965% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2180% | 531 |
| Loan loss allowance to noncurrent loans | 178.8844% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 1.2009% | 1,731 |
| Noncurrent loans to loans | 1.2399% | 1,854 |
| Net loans and leases to total assets | 51.5478% | 4,713 |
| Net loans and leases to deposits | 69.0424% | 4,078 |
| Net loans and leases to core deposits | 69.8155% | 4,338 |
| Total domestic deposits to total assets | 74.6611% | 5,453 |
| Equity capital to assets | 9.6672% | 4,597 |
| Core capital (leverage) ratio | 9.1930% | 4,607 |
| Tier 1 risk-based capital ratio | 16.2183% | 2,539 |
| Total risk-based capital ratio | 17.4793% | 2,476 |
| Memoranda: | ||
| Average total assets | $1,062,404,670 | 677 |
| Average earning assets | $954,295,000 | 694 |
| Average equity | $103,857,000 | 765 |
| Average total loans | $558,414,670 | 886 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9306% | 5,754 |
| Cost of funding earning assets | 0.3651% | 3,453 |
| Net interest margin | 2.5654% | 5,751 |
| Noninterest income to average assets | 0.9292% | 1,236 |
| Noninterest expense to average assets | 2.8503% | 2,888 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3613% | 5,106 |
| Return on assets (ROA) | 0.3613% | 5,191 |
| Pretax return on assets | 0.3820% | 5,345 |
| Return on Equity (ROE) | 3.6753% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.6753% | 3,655 |
| Net charge-offs to loans | 0.4905% | 456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.4839% | 2,814 |
| Efficiency ratio | 86.7505% | 911 |
| Assets per employee ($millions) | 4.5770% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2411% | 560 |
| Loan loss allowance to noncurrent loans | 172.6360% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 1.2122% | 1,797 |
| Noncurrent loans to loans | 1.2982% | 1,858 |
| Net loans and leases to total assets | 51.2895% | 4,706 |
| Net loans and leases to deposits | 68.6758% | 3,986 |
| Net loans and leases to core deposits | 69.3923% | 4,281 |
| Total domestic deposits to total assets | 74.6835% | 5,549 |
| Equity capital to assets | 10.0610% | 4,001 |
| Core capital (leverage) ratio | 9.8620% | 3,710 |
| Tier 1 risk-based capital ratio | 16.9832% | 2,294 |
| Total risk-based capital ratio | 18.2444% | 2,241 |
| Memoranda: | ||
| Average total assets | $1,062,901,000 | 674 |
| Average earning assets | $954,223,000 | 695 |
| Average equity | $104,481,000 | 768 |
| Average total loans | $557,849,000 | 884 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8541% | 5,848 |
| Cost of funding earning assets | 0.4006% | 3,156 |
| Net interest margin | 2.4536% | 5,858 |
| Noninterest income to average assets | 1.0858% | 998 |
| Noninterest expense to average assets | 2.9289% | 2,770 |
| Loan and lease loss provision to assets | -0.1481% | 5,918 |
| Net operating income to assets | 0.6758% | 3,923 |
| Return on assets (ROA) | 0.6780% | 4,012 |
| Pretax return on assets | 0.5026% | 5,109 |
| Return on Equity (ROE) | 7.3774% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.3774% | 1,136 |
| Net charge-offs to loans | -0.0609% | 5,620 |
| Credit loss provision to net charge-offs | 495.0464% | 643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4058% | 877 |
| Assets per employee ($millions) | 4.6454% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3185% | 502 |
| Loan loss allowance to noncurrent loans | 146.6487% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 1.3510% | 1,559 |
| Noncurrent loans to loans | 1.5810% | 1,452 |
| Net loans and leases to total assets | 51.2844% | 4,751 |
| Net loans and leases to deposits | 70.0488% | 3,921 |
| Net loans and leases to core deposits | 70.7209% | 4,243 |
| Total domestic deposits to total assets | 73.2124% | 5,709 |
| Equity capital to assets | 9.6030% | 4,430 |
| Core capital (leverage) ratio | 9.3066% | 4,463 |
| Tier 1 risk-based capital ratio | 16.4882% | 2,487 |
| Total risk-based capital ratio | 17.7505% | 2,439 |
| Memoranda: | ||
| Average total assets | $1,079,761,600 | 652 |
| Average earning assets | $966,145,400 | 654 |
| Average equity | $99,235,200 | 775 |
| Average total loans | $530,648,400 | 885 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8186% | 5,947 |
| Cost of funding earning assets | 0.4040% | 3,184 |
| Net interest margin | 2.4146% | 5,970 |
| Noninterest income to average assets | 1.1355% | 931 |
| Noninterest expense to average assets | 2.9124% | 2,805 |
| Loan and lease loss provision to assets | -0.1970% | 6,095 |
| Net operating income to assets | 0.5792% | 4,477 |
| Return on assets (ROA) | 0.5822% | 4,564 |
| Pretax return on assets | 0.5822% | 5,022 |
| Return on Equity (ROE) | 6.4059% | 3,954 |
| Retained earnings to average equity (ytd only) | 6.4059% | 2,013 |
| Net charge-offs to loans | -0.0804% | 5,712 |
| Credit loss provision to net charge-offs | 507.3016% | 639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5504% | 970 |
| Assets per employee ($millions) | 4.6736% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4081% | 496 |
| Loan loss allowance to noncurrent loans | 150.2647% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 1.5254% | 1,471 |
| Noncurrent loans to loans | 1.6026% | 1,545 |
| Net loans and leases to total assets | 48.7955% | 5,026 |
| Net loans and leases to deposits | 66.8401% | 4,294 |
| Net loans and leases to core deposits | 67.4324% | 4,587 |
| Total domestic deposits to total assets | 73.0033% | 5,788 |
| Equity capital to assets | 9.4344% | 4,837 |
| Core capital (leverage) ratio | 9.4506% | 4,366 |
| Tier 1 risk-based capital ratio | 16.5706% | 2,540 |
| Total risk-based capital ratio | 17.8320% | 2,490 |
| Memoranda: | ||
| Average total assets | $1,081,428,750 | 653 |
| Average earning assets | $966,993,500 | 664 |
| Average equity | $98,281,750 | 790 |
| Average total loans | $522,462,750 | 901 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7821% | 6,032 |
| Cost of funding earning assets | 0.4087% | 3,180 |
| Net interest margin | 2.3734% | 6,058 |
| Noninterest income to average assets | 1.0244% | 1,130 |
| Noninterest expense to average assets | 2.9076% | 2,868 |
| Loan and lease loss provision to assets | -0.1111% | 6,095 |
| Net operating income to assets | 0.3463% | 5,307 |
| Return on assets (ROA) | 0.3473% | 5,412 |
| Pretax return on assets | 0.3473% | 5,580 |
| Return on Equity (ROE) | 3.8703% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.8703% | 3,541 |
| Net charge-offs to loans | -0.1508% | 5,936 |
| Credit loss provision to net charge-offs | 154.2416% | 1,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5766% | 708 |
| Assets per employee ($millions) | 4.5461% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7143% | 369 |
| Loan loss allowance to noncurrent loans | 168.9833% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 1.8031% | 1,275 |
| Noncurrent loans to loans | 1.6063% | 1,634 |
| Net loans and leases to total assets | 47.1941% | 5,167 |
| Net loans and leases to deposits | 65.0173% | 4,438 |
| Net loans and leases to core deposits | 65.6424% | 4,683 |
| Total domestic deposits to total assets | 72.5870% | 5,904 |
| Equity capital to assets | 9.0602% | 5,179 |
| Core capital (leverage) ratio | 9.0700% | 4,865 |
| Tier 1 risk-based capital ratio | 16.5090% | 2,599 |
| Total risk-based capital ratio | 17.7732% | 2,550 |
| Memoranda: | ||
| Average total assets | $1,080,480,330 | 654 |
| Average earning assets | $964,439,670 | 667 |
| Average equity | $96,944,000 | 802 |
| Average total loans | $515,906,330 | 914 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7542% | 6,097 |
| Cost of funding earning assets | 0.4129% | 3,158 |
| Net interest margin | 2.3413% | 6,137 |
| Noninterest income to average assets | 0.9780% | 1,169 |
| Noninterest expense to average assets | 2.8756% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1878% | 5,706 |
| Return on assets (ROA) | 0.1896% | 5,786 |
| Pretax return on assets | 0.1896% | 5,843 |
| Return on Equity (ROE) | 2.1237% | 5,662 |
| Retained earnings to average equity (ytd only) | 2.1237% | 4,612 |
| Net charge-offs to loans | -0.0187% | 5,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8834% | 722 |
| Assets per employee ($millions) | 4.5232% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8449% | 350 |
| Loan loss allowance to noncurrent loans | 154.0657% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 1.8648% | 1,303 |
| Noncurrent loans to loans | 1.8465% | 1,456 |
| Net loans and leases to total assets | 44.9939% | 5,269 |
| Net loans and leases to deposits | 61.0955% | 4,655 |
| Net loans and leases to core deposits | 61.8369% | 4,847 |
| Total domestic deposits to total assets | 73.6453% | 5,931 |
| Equity capital to assets | 8.9749% | 5,324 |
| Core capital (leverage) ratio | 9.1163% | 4,828 |
| Tier 1 risk-based capital ratio | 16.4468% | 2,707 |
| Total risk-based capital ratio | 17.7118% | 2,638 |
| Memoranda: | ||
| Average total assets | $1,084,283,500 | 653 |
| Average earning assets | $965,786,000 | 660 |
| Average equity | $96,813,500 | 802 |
| Average total loans | $513,629,500 | 917 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7922% | 6,211 |
| Cost of funding earning assets | 0.4388% | 3,291 |
| Net interest margin | 2.3534% | 6,246 |
| Noninterest income to average assets | 1.0275% | 1,158 |
| Noninterest expense to average assets | 2.9611% | 2,964 |
| Loan and lease loss provision to assets | -0.2761% | 6,356 |
| Net operating income to assets | 0.4402% | 5,065 |
| Return on assets (ROA) | 0.4461% | 5,128 |
| Pretax return on assets | 0.4362% | 5,409 |
| Return on Equity (ROE) | 5.2590% | 4,524 |
| Retained earnings to average equity (ytd only) | 5.2590% | 2,427 |
| Net charge-offs to loans | 0.1236% | 2,794 |
| Credit loss provision to net charge-offs | -493.4211% | 5,785 |
| Earnings coverage of net charge-offs (x) | 2.7566% | 4,075 |
| Efficiency ratio | 93.1057% | 643 |
| Assets per employee ($millions) | 4.4565% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7445% | 404 |
| Loan loss allowance to noncurrent loans | 158.3784% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 2.1847% | 1,117 |
| Noncurrent loans to loans | 1.7329% | 1,674 |
| Net loans and leases to total assets | 47.1113% | 5,239 |
| Net loans and leases to deposits | 64.7976% | 4,450 |
| Net loans and leases to core deposits | 65.8640% | 4,680 |
| Total domestic deposits to total assets | 72.7053% | 6,040 |
| Equity capital to assets | 8.8822% | 5,397 |
| Core capital (leverage) ratio | 8.9436% | 5,072 |
| Tier 1 risk-based capital ratio | 16.4345% | 2,743 |
| Total risk-based capital ratio | 17.6999% | 2,684 |
| Memoranda: | ||
| Average total assets | $1,086,696,600 | 618 |
| Average earning assets | $964,032,200 | 636 |
| Average equity | $92,184,400 | 802 |
| Average total loans | $491,754,200 | 908 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7690% | 6,300 |
| Cost of funding earning assets | 0.4387% | 3,378 |
| Net interest margin | 2.3304% | 6,324 |
| Noninterest income to average assets | 1.0489% | 1,118 |
| Noninterest expense to average assets | 2.9245% | 3,041 |
| Loan and lease loss provision to assets | -0.1837% | 6,373 |
| Net operating income to assets | 0.3736% | 5,351 |
| Return on assets (ROA) | 0.3736% | 5,428 |
| Pretax return on assets | 0.3749% | 5,637 |
| Return on Equity (ROE) | 4.4564% | 4,986 |
| Retained earnings to average equity (ytd only) | 4.4564% | 3,480 |
| Net charge-offs to loans | 0.0468% | 3,562 |
| Credit loss provision to net charge-offs | -882.3529% | 5,856 |
| Earnings coverage of net charge-offs (x) | 9.1824% | 2,702 |
| Efficiency ratio | 91.9267% | 718 |
| Assets per employee ($millions) | 4.3561% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2841% | 274 |
| Loan loss allowance to noncurrent loans | 146.6000% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 2.4440% | 1,097 |
| Noncurrent loans to loans | 2.2402% | 1,351 |
| Net loans and leases to total assets | 46.4319% | 5,335 |
| Net loans and leases to deposits | 62.6298% | 4,682 |
| Net loans and leases to core deposits | 63.6246% | 4,910 |
| Total domestic deposits to total assets | 74.1371% | 6,006 |
| Equity capital to assets | 9.1303% | 5,228 |
| Core capital (leverage) ratio | 8.9472% | 5,136 |
| Tier 1 risk-based capital ratio | 16.7845% | 2,694 |
| Total risk-based capital ratio | 18.0555% | 2,632 |
| Memoranda: | ||
| Average total assets | $1,088,751,250 | 618 |
| Average earning assets | $965,604,500 | 629 |
| Average equity | $91,282,250 | 810 |
| Average total loans | $484,087,000 | 927 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7181% | 6,383 |
| Cost of funding earning assets | 0.4407% | 3,434 |
| Net interest margin | 2.2774% | 6,422 |
| Noninterest income to average assets | 1.0479% | 1,079 |
| Noninterest expense to average assets | 2.9081% | 3,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1575% | 5,940 |
| Return on assets (ROA) | 0.1575% | 5,975 |
| Pretax return on assets | 0.1593% | 6,008 |
| Return on Equity (ROE) | 1.9316% | 5,852 |
| Retained earnings to average equity (ytd only) | 1.9316% | 4,914 |
| Net charge-offs to loans | -0.1462% | 6,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8706% | 704 |
| Assets per employee ($millions) | 4.4554% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8080% | 198 |
| Loan loss allowance to noncurrent loans | 107.2253% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 3.0443% | 833 |
| Noncurrent loans to loans | 3.5514% | 741 |
| Net loans and leases to total assets | 42.8682% | 5,619 |
| Net loans and leases to deposits | 57.3501% | 5,092 |
| Net loans and leases to core deposits | 58.4055% | 5,242 |
| Total domestic deposits to total assets | 74.7482% | 6,043 |
| Equity capital to assets | 8.6221% | 5,690 |
| Core capital (leverage) ratio | 8.3844% | 5,756 |
| Tier 1 risk-based capital ratio | 16.7946% | 2,710 |
| Total risk-based capital ratio | 18.0712% | 2,662 |
| Memoranda: | ||
| Average total assets | $1,107,537,670 | 607 |
| Average earning assets | $982,087,670 | 610 |
| Average equity | $90,289,330 | 813 |
| Average total loans | $480,237,330 | 929 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7140% | 6,452 |
| Cost of funding earning assets | 0.4518% | 3,409 |
| Net interest margin | 2.2622% | 6,496 |
| Noninterest income to average assets | 1.0864% | 949 |
| Noninterest expense to average assets | 2.9139% | 3,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1768% | 5,861 |
| Return on assets (ROA) | 0.1768% | 5,906 |
| Pretax return on assets | 0.1804% | 5,951 |
| Return on Equity (ROE) | 2.2304% | 5,728 |
| Retained earnings to average equity (ytd only) | 2.2304% | 4,714 |
| Net charge-offs to loans | -0.1533% | 6,301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2820% | 862 |
| Assets per employee ($millions) | 4.6551% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8300% | 214 |
| Loan loss allowance to noncurrent loans | 99.1307% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 3.0828% | 909 |
| Noncurrent loans to loans | 3.8636% | 705 |
| Net loans and leases to total assets | 41.4397% | 5,714 |
| Net loans and leases to deposits | 53.3892% | 5,342 |
| Net loans and leases to core deposits | 54.7134% | 5,452 |
| Total domestic deposits to total assets | 77.6182% | 5,886 |
| Equity capital to assets | 8.2242% | 5,889 |
| Core capital (leverage) ratio | 8.2590% | 5,886 |
| Tier 1 risk-based capital ratio | 16.4952% | 2,900 |
| Total risk-based capital ratio | 17.7708% | 2,857 |
| Memoranda: | ||
| Average total assets | $1,122,198,000 | 603 |
| Average earning assets | $996,035,000 | 611 |
| Average equity | $88,951,500 | 824 |
| Average total loans | $480,101,000 | 933 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8034% | 6,497 |
| Cost of funding earning assets | 0.5972% | 2,686 |
| Net interest margin | 2.2062% | 6,577 |
| Noninterest income to average assets | 0.6858% | 2,622 |
| Noninterest expense to average assets | 2.8473% | 3,540 |
| Loan and lease loss provision to assets | -0.8678% | 6,789 |
| Net operating income to assets | 0.7362% | 3,626 |
| Return on assets (ROA) | 0.7362% | 3,705 |
| Pretax return on assets | 0.6650% | 4,652 |
| Return on Equity (ROE) | 10.3108% | 1,989 |
| Retained earnings to average equity (ytd only) | 10.3108% | 514 |
| Net charge-offs to loans | -0.3521% | 6,693 |
| Credit loss provision to net charge-offs | 572.8367% | 411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5083% | 346 |
| Assets per employee ($millions) | 4.6577% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6866% | 246 |
| Loan loss allowance to noncurrent loans | 117.1628% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 2.8009% | 1,168 |
| Noncurrent loans to loans | 3.1466% | 1,089 |
| Net loans and leases to total assets | 40.9207% | 5,899 |
| Net loans and leases to deposits | 52.4492% | 5,590 |
| Net loans and leases to core deposits | 54.7171% | 5,632 |
| Total domestic deposits to total assets | 78.0197% | 5,824 |
| Equity capital to assets | 7.6411% | 6,214 |
| Core capital (leverage) ratio | 7.9631% | 6,162 |
| Tier 1 risk-based capital ratio | 15.7415% | 3,227 |
| Total risk-based capital ratio | 17.0152% | 3,174 |
| Memoranda: | ||
| Average total assets | $1,151,926,400 | 569 |
| Average earning assets | $1,022,710,200 | 583 |
| Average equity | $82,244,200 | 867 |
| Average total loans | $495,655,000 | 860 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8327% | 6,548 |
| Cost of funding earning assets | 0.6201% | 2,645 |
| Net interest margin | 2.2126% | 6,639 |
| Noninterest income to average assets | 0.8111% | 2,093 |
| Noninterest expense to average assets | 2.8493% | 3,492 |
| Loan and lease loss provision to assets | -0.9244% | 6,870 |
| Net operating income to assets | 0.8321% | 3,181 |
| Return on assets (ROA) | 0.8321% | 3,309 |
| Pretax return on assets | 0.8487% | 4,099 |
| Return on Equity (ROE) | 11.8620% | 1,518 |
| Retained earnings to average equity (ytd only) | 11.8620% | 437 |
| Net charge-offs to loans | -0.5527% | 6,792 |
| Credit loss provision to net charge-offs | 387.4516% | 687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6710% | 444 |
| Assets per employee ($millions) | 4.6938% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3908% | 179 |
| Loan loss allowance to noncurrent loans | 124.7538% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 3.0874% | 1,191 |
| Noncurrent loans to loans | 3.5196% | 1,079 |
| Net loans and leases to total assets | 38.8480% | 6,116 |
| Net loans and leases to deposits | 49.8685% | 5,842 |
| Net loans and leases to core deposits | 52.6625% | 5,853 |
| Total domestic deposits to total assets | 77.9009% | 5,922 |
| Equity capital to assets | 7.3674% | 6,437 |
| Core capital (leverage) ratio | 7.5968% | 6,410 |
| Tier 1 risk-based capital ratio | 15.1846% | 3,641 |
| Total risk-based capital ratio | 16.4642% | 3,576 |
| Memoranda: | ||
| Average total assets | $1,153,460,500 | 570 |
| Average earning assets | $1,023,084,500 | 584 |
| Average equity | $80,917,500 | 895 |
| Average total loans | $497,865,750 | 851 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8309% | 6,589 |
| Cost of funding earning assets | 0.6372% | 2,617 |
| Net interest margin | 2.1937% | 6,684 |
| Noninterest income to average assets | 0.9147% | 1,768 |
| Noninterest expense to average assets | 2.8127% | 3,628 |
| Loan and lease loss provision to assets | 0.0005% | 4,783 |
| Net operating income to assets | 0.0238% | 6,276 |
| Return on assets (ROA) | 0.0238% | 6,346 |
| Pretax return on assets | 0.0485% | 6,304 |
| Return on Equity (ROE) | 0.3450% | 6,332 |
| Retained earnings to average equity (ytd only) | 0.3450% | 5,757 |
| Net charge-offs to loans | -0.6726% | 6,847 |
| Credit loss provision to net charge-offs | -0.1749% | 5,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3046% | 640 |
| Assets per employee ($millions) | 4.4440% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7510% | 74 |
| Loan loss allowance to noncurrent loans | 165.8508% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 3.2964% | 1,194 |
| Noncurrent loans to loans | 3.4675% | 1,231 |
| Net loans and leases to total assets | 40.2141% | 6,027 |
| Net loans and leases to deposits | 51.5487% | 5,724 |
| Net loans and leases to core deposits | 54.4094% | 5,720 |
| Total domestic deposits to total assets | 78.0120% | 5,980 |
| Equity capital to assets | 6.5327% | 6,682 |
| Core capital (leverage) ratio | 6.7336% | 6,667 |
| Tier 1 risk-based capital ratio | 13.4058% | 4,832 |
| Total risk-based capital ratio | 14.7000% | 4,764 |
| Memoranda: | ||
| Average total assets | $1,159,317,330 | 566 |
| Average earning assets | $1,028,929,670 | 581 |
| Average equity | $79,995,000 | 902 |
| Average total loans | $509,976,000 | 834 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8396% | 6,660 |
| Cost of funding earning assets | 0.6438% | 2,714 |
| Net interest margin | 2.1958% | 6,759 |
| Noninterest income to average assets | 0.9483% | 1,620 |
| Noninterest expense to average assets | 2.7504% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1453% | 6,056 |
| Return on assets (ROA) | 0.1453% | 6,154 |
| Pretax return on assets | 0.1518% | 6,169 |
| Return on Equity (ROE) | 2.0523% | 5,924 |
| Retained earnings to average equity (ytd only) | 2.0523% | 4,978 |
| Net charge-offs to loans | 0.5461% | 1,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.6227% | 3,614 |
| Efficiency ratio | 92.8269% | 916 |
| Assets per employee ($millions) | 4.5805% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1890% | 120 |
| Loan loss allowance to noncurrent loans | 90.5811% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 3.8444% | 1,067 |
| Noncurrent loans to loans | 5.7286% | 607 |
| Net loans and leases to total assets | 40.0232% | 5,988 |
| Net loans and leases to deposits | 51.0186% | 5,708 |
| Net loans and leases to core deposits | 53.8254% | 5,679 |
| Total domestic deposits to total assets | 78.4483% | 6,057 |
| Equity capital to assets | 7.1202% | 6,689 |
| Core capital (leverage) ratio | 6.8189% | 6,692 |
| Tier 1 risk-based capital ratio | 13.4046% | 4,936 |
| Total risk-based capital ratio | 14.6935% | 4,869 |
| Memoranda: | ||
| Average total assets | $1,170,147,500 | 565 |
| Average earning assets | $1,041,266,000 | 581 |
| Average equity | $82,832,500 | 879 |
| Average total loans | $522,256,500 | 805 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1487% | 6,690 |
| Cost of funding earning assets | 0.8685% | 2,151 |
| Net interest margin | 2.2802% | 6,847 |
| Noninterest income to average assets | 0.4702% | 4,099 |
| Noninterest expense to average assets | 2.7804% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.2803% | 6,426 |
| Return on assets (ROA) | -0.1789% | 6,431 |
| Pretax return on assets | -0.1729% | 6,406 |
| Return on Equity (ROE) | -2.6634% | 6,486 |
| Retained earnings to average equity (ytd only) | -2.6634% | 6,235 |
| Net charge-offs to loans | 0.5731% | 2,008 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -1.0442% | 5,760 |
| Efficiency ratio | 108.8876% | 350 |
| Assets per employee ($millions) | 4.5090% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7342% | 158 |
| Loan loss allowance to noncurrent loans | 94.1798% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 3.7835% | 1,166 |
| Noncurrent loans to loans | 5.0268% | 789 |
| Net loans and leases to total assets | 44.7960% | 5,750 |
| Net loans and leases to deposits | 56.5047% | 5,394 |
| Net loans and leases to core deposits | 60.5487% | 5,312 |
| Total domestic deposits to total assets | 79.2784% | 5,829 |
| Equity capital to assets | 7.0379% | 6,766 |
| Core capital (leverage) ratio | 6.4505% | 6,804 |
| Tier 1 risk-based capital ratio | 12.0124% | 5,781 |
| Total risk-based capital ratio | 13.2978% | 5,714 |
| Memoranda: | ||
| Average total assets | $1,275,962,200 | 519 |
| Average earning assets | $1,139,295,400 | 521 |
| Average equity | $85,717,800 | 816 |
| Average total loans | $584,839,000 | 705 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1649% | 6,814 |
| Cost of funding earning assets | 0.9196% | 2,049 |
| Net interest margin | 2.2453% | 6,972 |
| Noninterest income to average assets | 0.5786% | 3,417 |
| Noninterest expense to average assets | 2.6408% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.0500% | 6,338 |
| Return on assets (ROA) | 0.0826% | 6,294 |
| Pretax return on assets | 0.0788% | 6,298 |
| Return on Equity (ROE) | 1.2432% | 6,205 |
| Retained earnings to average equity (ytd only) | 1.2432% | 5,676 |
| Net charge-offs to loans | 0.2342% | 3,320 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.5043% | 5,498 |
| Efficiency ratio | 100.1228% | 530 |
| Assets per employee ($millions) | 4.7344% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1216% | 134 |
| Loan loss allowance to noncurrent loans | 104.6778% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 3.2390% | 1,579 |
| Noncurrent loans to loans | 4.8927% | 929 |
| Net loans and leases to total assets | 43.0709% | 6,032 |
| Net loans and leases to deposits | 55.1884% | 5,700 |
| Net loans and leases to core deposits | 61.5285% | 5,398 |
| Total domestic deposits to total assets | 78.0434% | 6,068 |
| Equity capital to assets | 7.1785% | 6,852 |
| Core capital (leverage) ratio | 6.5306% | 6,879 |
| Tier 1 risk-based capital ratio | 12.4651% | 5,670 |
| Total risk-based capital ratio | 13.7544% | 5,599 |
| Memoranda: | ||
| Average total assets | $1,300,741,250 | 514 |
| Average earning assets | $1,163,468,250 | 513 |
| Average equity | $86,441,000 | 803 |
| Average total loans | $592,704,250 | 696 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1734% | 6,892 |
| Cost of funding earning assets | 0.9746% | 1,911 |
| Net interest margin | 2.1988% | 7,044 |
| Noninterest income to average assets | 0.5140% | 3,828 |
| Noninterest expense to average assets | 2.6053% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0807% | 6,413 |
| Return on assets (ROA) | 0.0442% | 6,403 |
| Pretax return on assets | 0.0706% | 6,362 |
| Return on Equity (ROE) | 0.6821% | 6,354 |
| Retained earnings to average equity (ytd only) | 0.6821% | 5,788 |
| Net charge-offs to loans | 0.3456% | 2,634 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.7904% | 5,277 |
| Efficiency ratio | 103.0227% | 458 |
| Assets per employee ($millions) | 4.8318% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8620% | 183 |
| Loan loss allowance to noncurrent loans | 91.9309% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 3.5762% | 1,479 |
| Noncurrent loans to loans | 5.2888% | 903 |
| Net loans and leases to total assets | 43.7269% | 6,044 |
| Net loans and leases to deposits | 56.2050% | 5,625 |
| Net loans and leases to core deposits | 62.9389% | 5,306 |
| Total domestic deposits to total assets | 77.7988% | 6,195 |
| Equity capital to assets | 6.6717% | 6,958 |
| Core capital (leverage) ratio | 6.1243% | 6,974 |
| Tier 1 risk-based capital ratio | 11.8255% | 6,042 |
| Total risk-based capital ratio | 13.1125% | 5,991 |
| Memoranda: | ||
| Average total assets | $1,325,588,670 | 508 |
| Average earning assets | $1,185,666,000 | 511 |
| Average equity | $85,913,670 | 804 |
| Average total loans | $604,724,330 | 682 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2323% | 6,929 |
| Cost of funding earning assets | 1.0184% | 1,875 |
| Net interest margin | 2.2139% | 7,089 |
| Noninterest income to average assets | 0.5716% | 3,411 |
| Noninterest expense to average assets | 2.5476% | 4,998 |
| Loan and lease loss provision to assets | 0.0963% | 4,145 |
| Net operating income to assets | -0.0828% | 6,512 |
| Return on assets (ROA) | 0.1223% | 6,317 |
| Pretax return on assets | 0.1407% | 6,319 |
| Return on Equity (ROE) | 1.9138% | 6,099 |
| Retained earnings to average equity (ytd only) | 1.9138% | 5,296 |
| Net charge-offs to loans | 0.5525% | 1,705 |
| Credit loss provision to net charge-offs | 38.3255% | 3,472 |
| Earnings coverage of net charge-offs (x) | 0.0047% | 4,367 |
| Efficiency ratio | 98.0363% | 631 |
| Assets per employee ($millions) | 5.0622% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8899% | 191 |
| Loan loss allowance to noncurrent loans | 72.1580% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 4.2196% | 1,289 |
| Noncurrent loans to loans | 6.7767% | 685 |
| Net loans and leases to total assets | 42.4064% | 6,159 |
| Net loans and leases to deposits | 53.2573% | 5,885 |
| Net loans and leases to core deposits | 60.8877% | 5,445 |
| Total domestic deposits to total assets | 79.6254% | 5,942 |
| Equity capital to assets | 6.4890% | 7,017 |
| Core capital (leverage) ratio | 5.9774% | 7,043 |
| Tier 1 risk-based capital ratio | 11.5902% | 6,229 |
| Total risk-based capital ratio | 12.8770% | 6,183 |
| Memoranda: | ||
| Average total assets | $1,350,592,000 | 493 |
| Average earning assets | $1,206,195,000 | 500 |
| Average equity | $86,319,000 | 798 |
| Average total loans | $613,948,000 | 680 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5802% | 6,943 |
| Cost of funding earning assets | 1.1574% | 2,299 |
| Net interest margin | 2.4228% | 7,091 |
| Noninterest income to average assets | 0.2273% | 5,907 |
| Noninterest expense to average assets | 2.5100% | 5,437 |
| Loan and lease loss provision to assets | 1.9590% | 311 |
| Net operating income to assets | -2.1482% | 7,050 |
| Return on assets (ROA) | -2.0257% | 7,042 |
| Pretax return on assets | -1.9535% | 7,011 |
| Return on Equity (ROE) | -30.2097% | 7,093 |
| Retained earnings to average equity (ytd only) | -30.2097% | 7,086 |
| Net charge-offs to loans | 4.4625% | 107 |
| Credit loss provision to net charge-offs | 86.5639% | 4,179 |
| Earnings coverage of net charge-offs (x) | -0.0517% | 5,862 |
| Efficiency ratio | 103.0152% | 592 |
| Assets per employee ($millions) | 5.2686% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6588% | 224 |
| Loan loss allowance to noncurrent loans | 82.6620% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 4.0233% | 1,430 |
| Noncurrent loans to loans | 5.6359% | 926 |
| Net loans and leases to total assets | 44.1471% | 6,199 |
| Net loans and leases to deposits | 55.1822% | 5,961 |
| Net loans and leases to core deposits | 63.6431% | 5,502 |
| Total domestic deposits to total assets | 80.0024% | 5,744 |
| Equity capital to assets | 6.2962% | 7,060 |
| Core capital (leverage) ratio | 5.6097% | 7,087 |
| Tier 1 risk-based capital ratio | 10.7965% | 6,560 |
| Total risk-based capital ratio | 12.0810% | 6,525 |
| Memoranda: | ||
| Average total assets | $1,470,372,600 | 454 |
| Average earning assets | $1,314,411,200 | 455 |
| Average equity | $98,597,400 | 697 |
| Average total loans | $745,675,000 | 550 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6393% | 6,987 |
| Cost of funding earning assets | 1.1635% | 2,543 |
| Net interest margin | 2.4758% | 7,145 |
| Noninterest income to average assets | 0.0064% | 7,085 |
| Noninterest expense to average assets | 2.5965% | 5,089 |
| Loan and lease loss provision to assets | 2.3888% | 192 |
| Net operating income to assets | -2.6568% | 7,232 |
| Return on assets (ROA) | -2.5741% | 7,231 |
| Pretax return on assets | -2.6781% | 7,242 |
| Return on Equity (ROE) | -37.8585% | 7,242 |
| Retained earnings to average equity (ytd only) | -37.8585% | 7,236 |
| Net charge-offs to loans | 4.6169% | 117 |
| Credit loss provision to net charge-offs | 100.0336% | 3,364 |
| Earnings coverage of net charge-offs (x) | -0.1572% | 5,699 |
| Efficiency ratio | 114.9199% | 362 |
| Assets per employee ($millions) | 5.3804% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0598% | 174 |
| Loan loss allowance to noncurrent loans | 77.1743% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 4.9383% | 1,173 |
| Noncurrent loans to loans | 6.5563% | 801 |
| Net loans and leases to total assets | 44.7831% | 6,260 |
| Net loans and leases to deposits | 56.9842% | 5,939 |
| Net loans and leases to core deposits | 65.0389% | 5,516 |
| Total domestic deposits to total assets | 78.5887% | 6,077 |
| Equity capital to assets | 6.2208% | 7,161 |
| Core capital (leverage) ratio | 5.5158% | 7,181 |
| Tier 1 risk-based capital ratio | 10.3536% | 6,837 |
| Total risk-based capital ratio | 11.6429% | 6,805 |
| Memoranda: | ||
| Average total assets | $1,495,508,250 | 448 |
| Average earning assets | $1,337,756,000 | 450 |
| Average equity | $101,685,000 | 681 |
| Average total loans | $773,521,250 | 535 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6980% | 7,017 |
| Cost of funding earning assets | 1.1699% | 2,776 |
| Net interest margin | 2.5281% | 7,171 |
| Noninterest income to average assets | 0.1967% | 6,264 |
| Noninterest expense to average assets | 2.5413% | 5,389 |
| Loan and lease loss provision to assets | 2.7577% | 174 |
| Net operating income to assets | -2.7233% | 7,284 |
| Return on assets (ROA) | -2.7224% | 7,289 |
| Pretax return on assets | -2.8387% | 7,288 |
| Return on Equity (ROE) | -39.0004% | 7,303 |
| Retained earnings to average equity (ytd only) | -39.0004% | 7,297 |
| Net charge-offs to loans | 4.9233% | 133 |
| Credit loss provision to net charge-offs | 105.3900% | 2,928 |
| Earnings coverage of net charge-offs (x) | -0.0313% | 5,302 |
| Efficiency ratio | 101.5689% | 676 |
| Assets per employee ($millions) | 5.6289% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7876% | 219 |
| Loan loss allowance to noncurrent loans | 72.3308% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 4.7130% | 1,321 |
| Noncurrent loans to loans | 6.6190% | 827 |
| Net loans and leases to total assets | 46.7859% | 6,178 |
| Net loans and leases to deposits | 59.5371% | 5,774 |
| Net loans and leases to core deposits | 67.7204% | 5,320 |
| Total domestic deposits to total assets | 78.5828% | 6,172 |
| Equity capital to assets | 6.5297% | 7,180 |
| Core capital (leverage) ratio | 5.7783% | 7,229 |
| Tier 1 risk-based capital ratio | 10.5500% | 6,773 |
| Total risk-based capital ratio | 11.8367% | 6,753 |
| Memoranda: | ||
| Average total assets | $1,518,738,330 | 446 |
| Average earning assets | $1,359,288,000 | 451 |
| Average equity | $106,014,330 | 657 |
| Average total loans | $807,176,330 | 528 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 6,867 |
| Cost of funding earning assets | 1.1743% | 2,989 |
| Net interest margin | 2.6910% | 7,026 |
| Noninterest income to average assets | 0.5563% | 3,464 |
| Noninterest expense to average assets | 2.5687% | 5,333 |
| Loan and lease loss provision to assets | 1.9412% | 285 |
| Net operating income to assets | -1.4757% | 7,192 |
| Return on assets (ROA) | -1.4747% | 7,195 |
| Pretax return on assets | -1.5399% | 7,175 |
| Return on Equity (ROE) | -20.4820% | 7,224 |
| Retained earnings to average equity (ytd only) | -20.4820% | 7,162 |
| Net charge-offs to loans | 4.5526% | 184 |
| Credit loss provision to net charge-offs | 77.3858% | 3,209 |
| Earnings coverage of net charge-offs (x) | 0.1595% | 4,484 |
| Efficiency ratio | 85.0787% | 1,829 |
| Assets per employee ($millions) | 5.7641% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9659% | 428 |
| Loan loss allowance to noncurrent loans | 91.5272% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 4.0915% | 1,632 |
| Noncurrent loans to loans | 4.3330% | 1,630 |
| Net loans and leases to total assets | 51.0234% | 5,711 |
| Net loans and leases to deposits | 64.4571% | 5,194 |
| Net loans and leases to core deposits | 73.0116% | 4,648 |
| Total domestic deposits to total assets | 79.1586% | 6,150 |
| Equity capital to assets | 7.0858% | 7,056 |
| Core capital (leverage) ratio | 6.7456% | 7,101 |
| Tier 1 risk-based capital ratio | 11.1922% | 6,359 |
| Total risk-based capital ratio | 12.4697% | 6,301 |
| Memoranda: | ||
| Average total assets | $1,532,273,000 | 445 |
| Average earning assets | $1,373,756,000 | 450 |
| Average equity | $110,321,000 | 626 |
| Average total loans | $844,273,000 | 518 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 6,532 |
| Cost of funding earning assets | 1.2261% | 4,380 |
| Net interest margin | 3.2173% | 6,229 |
| Noninterest income to average assets | 0.1742% | 6,496 |
| Noninterest expense to average assets | 4.5891% | 596 |
| Loan and lease loss provision to assets | 2.1741% | 576 |
| Net operating income to assets | -3.6796% | 7,397 |
| Return on assets (ROA) | -3.4680% | 7,383 |
| Pretax return on assets | -3.5269% | 7,373 |
| Return on Equity (ROE) | -37.4703% | 7,315 |
| Retained earnings to average equity (ytd only) | -38.0771% | 7,317 |
| Net charge-offs to loans | 2.3683% | 809 |
| Credit loss provision to net charge-offs | 139.6425% | 2,720 |
| Earnings coverage of net charge-offs (x) | -1.0076% | 6,608 |
| Efficiency ratio | 79.5140% | 2,478 |
| Assets per employee ($millions) | 5.6312% | 1,470 |
| Cash dividends to net income (ytd only)* | -1.6195% | 7,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8632% | 445 |
| Loan loss allowance to noncurrent loans | 78.8062% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 4.5346% | 1,471 |
| Noncurrent loans to loans | 4.9021% | 1,397 |
| Net loans and leases to total assets | 54.8238% | 5,523 |
| Net loans and leases to deposits | 70.9452% | 4,693 |
| Net loans and leases to core deposits | 80.7593% | 4,097 |
| Total domestic deposits to total assets | 77.2762% | 6,436 |
| Equity capital to assets | 7.3115% | 6,993 |
| Core capital (leverage) ratio | 6.8506% | 7,089 |
| Tier 1 risk-based capital ratio | 10.8673% | 6,433 |
| Total risk-based capital ratio | 12.1441% | 6,393 |
| Memoranda: | ||
| Average total assets | $1,602,418,200 | 427 |
| Average earning assets | $1,417,561,200 | 435 |
| Average equity | $148,309,600 | 461 |
| Average total loans | $1,053,420,800 | 427 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5658% | 6,426 |
| Cost of funding earning assets | 1.2269% | 4,704 |
| Net interest margin | 3.3389% | 5,889 |
| Noninterest income to average assets | 0.7253% | 2,674 |
| Noninterest expense to average assets | 5.2346% | 316 |
| Loan and lease loss provision to assets | 2.7485% | 350 |
| Net operating income to assets | -4.2285% | 7,586 |
| Return on assets (ROA) | -3.9518% | 7,581 |
| Pretax return on assets | -4.0340% | 7,562 |
| Return on Equity (ROE) | -40.6515% | 7,503 |
| Retained earnings to average equity (ytd only) | -41.4154% | 7,506 |
| Net charge-offs to loans | 1.8659% | 1,031 |
| Credit loss provision to net charge-offs | 217.1730% | 1,597 |
| Earnings coverage of net charge-offs (x) | -1.2388% | 6,479 |
| Efficiency ratio | 64.2544% | 5,199 |
| Assets per employee ($millions) | 5.4655% | 1,656 |
| Cash dividends to net income (ytd only)* | -1.8792% | 7,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2976% | 283 |
| Loan loss allowance to noncurrent loans | 63.2076% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 5.7240% | 1,062 |
| Noncurrent loans to loans | 6.7992% | 850 |
| Net loans and leases to total assets | 60.1167% | 4,891 |
| Net loans and leases to deposits | 80.8043% | 3,306 |
| Net loans and leases to core deposits | 88.0353% | 3,366 |
| Total domestic deposits to total assets | 74.3979% | 6,873 |
| Equity capital to assets | 7.8797% | 6,883 |
| Core capital (leverage) ratio | 7.3251% | 6,989 |
| Tier 1 risk-based capital ratio | 10.6226% | 6,691 |
| Total risk-based capital ratio | 11.9049% | 6,659 |
| Memoranda: | ||
| Average total assets | $1,615,877,250 | 419 |
| Average earning assets | $1,423,549,250 | 427 |
| Average equity | $157,081,000 | 431 |
| Average total loans | $1,095,999,250 | 415 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7115% | 6,108 |
| Cost of funding earning assets | 1.2356% | 4,928 |
| Net interest margin | 3.4759% | 5,337 |
| Noninterest income to average assets | 0.6981% | 2,720 |
| Noninterest expense to average assets | 2.2202% | 6,599 |
| Loan and lease loss provision to assets | 3.1900% | 299 |
| Net operating income to assets | -1.6004% | 7,188 |
| Return on assets (ROA) | -1.3237% | 7,093 |
| Pretax return on assets | -1.3770% | 7,043 |
| Return on Equity (ROE) | -12.8408% | 7,067 |
| Retained earnings to average equity (ytd only) | -13.9098% | 7,068 |
| Net charge-offs to loans | 2.4946% | 687 |
| Credit loss provision to net charge-offs | 184.1923% | 2,140 |
| Earnings coverage of net charge-offs (x) | 0.8805% | 4,889 |
| Efficiency ratio | 58.1881% | 6,356 |
| Assets per employee ($millions) | 5.4813% | 1,635 |
| Cash dividends to net income (ytd only)* | -8.3249% | 7,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4565% | 565 |
| Loan loss allowance to noncurrent loans | 50.5533% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 5.8232% | 1,029 |
| Noncurrent loans to loans | 6.8374% | 851 |
| Net loans and leases to total assets | 62.8429% | 4,508 |
| Net loans and leases to deposits | 84.9523% | 2,715 |
| Net loans and leases to core deposits | 92.7784% | 2,878 |
| Total domestic deposits to total assets | 73.9744% | 6,973 |
| Equity capital to assets | 9.9340% | 4,097 |
| Core capital (leverage) ratio | 7.4830% | 6,836 |
| Tier 1 risk-based capital ratio | 10.0508% | 6,993 |
| Total risk-based capital ratio | 11.3232% | 6,962 |
| Memoranda: | ||
| Average total assets | $1,633,462,000 | 414 |
| Average earning assets | $1,431,855,670 | 425 |
| Average equity | $168,384,670 | 404 |
| Average total loans | $1,134,033,670 | 402 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0082% | 4,988 |
| Cost of funding earning assets | 1.2601% | 5,061 |
| Net interest margin | 3.7481% | 4,019 |
| Noninterest income to average assets | 0.6909% | 2,659 |
| Noninterest expense to average assets | 2.1846% | 6,726 |
| Loan and lease loss provision to assets | 1.3601% | 875 |
| Net operating income to assets | 0.4048% | 4,817 |
| Return on assets (ROA) | 0.9364% | 2,467 |
| Pretax return on assets | 1.0078% | 3,062 |
| Return on Equity (ROE) | 8.9256% | 2,524 |
| Retained earnings to average equity (ytd only) | 6.8424% | 2,195 |
| Net charge-offs to loans | 0.0258% | 5,209 |
| Credit loss provision to net charge-offs | 7,369.7368% | 62 |
| Earnings coverage of net charge-offs (x) | 97.3289% | 333 |
| Efficiency ratio | 53.8523% | 6,986 |
| Assets per employee ($millions) | 5.5395% | 1,627 |
| Cash dividends to net income (ytd only)* | 23.3402% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5808% | 1,203 |
| Loan loss allowance to noncurrent loans | 71.6581% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 3.8542% | 1,794 |
| Noncurrent loans to loans | 3.6016% | 2,212 |
| Net loans and leases to total assets | 69.6657% | 3,016 |
| Net loans and leases to deposits | 93.6942% | 1,384 |
| Net loans and leases to core deposits | 104.6969% | 1,685 |
| Total domestic deposits to total assets | 74.3544% | 6,997 |
| Equity capital to assets | 10.7434% | 3,013 |
| Core capital (leverage) ratio | 8.2530% | 5,829 |
| Tier 1 risk-based capital ratio | 10.3291% | 6,785 |
| Total risk-based capital ratio | 11.5922% | 6,769 |
| Memoranda: | ||
| Average total assets | $1,647,180,500 | 426 |
| Average earning assets | $1,445,860,000 | 437 |
| Average equity | $172,806,000 | 404 |
| Average total loans | $1,178,346,500 | 406 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 6,529 |
| Cost of funding earning assets | 1.5040% | 5,499 |
| Net interest margin | 3.4652% | 5,109 |
| Noninterest income to average assets | 0.4612% | 4,710 |
| Noninterest expense to average assets | 2.2143% | 6,957 |
| Loan and lease loss provision to assets | 1.4445% | 1,594 |
| Net operating income to assets | -0.0904% | 5,665 |
| Return on assets (ROA) | 0.1090% | 5,234 |
| Pretax return on assets | 0.1402% | 5,138 |
| Return on Equity (ROE) | 1.0921% | 5,204 |
| Retained earnings to average equity (ytd only) | -1.7558% | 5,447 |
| Net charge-offs to loans | 1.5561% | 1,620 |
| Credit loss provision to net charge-offs | 125.1966% | 4,180 |
| Earnings coverage of net charge-offs (x) | 1.1519% | 4,969 |
| Efficiency ratio | 61.4188% | 6,258 |
| Assets per employee ($millions) | 5.7223% | 1,442 |
| Cash dividends to net income (ytd only)* | 260.7700% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0122% | 1,991 |
| Loan loss allowance to noncurrent loans | 65.6033% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 3.2201% | 2,131 |
| Noncurrent loans to loans | 3.0673% | 2,503 |
| Net loans and leases to total assets | 70.1220% | 3,231 |
| Net loans and leases to deposits | 95.9272% | 1,340 |
| Net loans and leases to core deposits | 121.7027% | 1,808 |
| Total domestic deposits to total assets | 73.0992% | 7,140 |
| Equity capital to assets | 10.2492% | 3,462 |
| Core capital (leverage) ratio | 7.6013% | 6,680 |
| Tier 1 risk-based capital ratio | 9.6481% | 7,127 |
| Total risk-based capital ratio | 10.9049% | 7,099 |
| Memoranda: | ||
| Average total assets | $1,763,536,200 | 401 |
| Average earning assets | $1,568,635,800 | 408 |
| Average equity | $175,988,200 | 391 |
| Average total loans | $1,307,609,200 | 374 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9571% | 6,744 |
| Cost of funding earning assets | 1.5485% | 5,641 |
| Net interest margin | 3.4086% | 5,227 |
| Noninterest income to average assets | 0.5878% | 3,795 |
| Noninterest expense to average assets | 2.2403% | 6,873 |
| Loan and lease loss provision to assets | 1.3683% | 1,407 |
| Net operating income to assets | 0.0161% | 5,675 |
| Return on assets (ROA) | 0.3120% | 4,859 |
| Pretax return on assets | 0.3556% | 4,913 |
| Return on Equity (ROE) | 3.1463% | 4,727 |
| Retained earnings to average equity (ytd only) | 0.3483% | 5,054 |
| Net charge-offs to loans | 1.4427% | 1,433 |
| Credit loss provision to net charge-offs | 126.8764% | 3,959 |
| Earnings coverage of net charge-offs (x) | 1.2867% | 4,811 |
| Efficiency ratio | 60.7141% | 6,319 |
| Assets per employee ($millions) | 5.9583% | 1,241 |
| Cash dividends to net income (ytd only)* | 88.9316% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7956% | 2,291 |
| Loan loss allowance to noncurrent loans | 72.4018% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 3.1660% | 2,147 |
| Noncurrent loans to loans | 2.4800% | 3,040 |
| Net loans and leases to total assets | 71.4919% | 3,156 |
| Net loans and leases to deposits | 98.4340% | 1,273 |
| Net loans and leases to core deposits | 128.0030% | 1,580 |
| Total domestic deposits to total assets | 72.6292% | 7,133 |
| Equity capital to assets | 10.0754% | 3,991 |
| Core capital (leverage) ratio | 7.3503% | 7,132 |
| Tier 1 risk-based capital ratio | 9.2712% | 7,503 |
| Total risk-based capital ratio | 10.5255% | 7,492 |
| Memoranda: | ||
| Average total assets | $1,783,831,250 | 412 |
| Average earning assets | $1,591,048,500 | 414 |
| Average equity | $176,878,250 | 398 |
| Average total loans | $1,333,529,750 | 384 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8897% | 7,055 |
| Cost of funding earning assets | 1.5949% | 5,765 |
| Net interest margin | 3.2948% | 5,578 |
| Noninterest income to average assets | 0.6590% | 3,275 |
| Noninterest expense to average assets | 2.2099% | 7,030 |
| Loan and lease loss provision to assets | 1.1384% | 1,508 |
| Net operating income to assets | 0.2346% | 5,145 |
| Return on assets (ROA) | 0.5873% | 3,839 |
| Pretax return on assets | 0.6428% | 4,182 |
| Return on Equity (ROE) | 5.9546% | 3,671 |
| Retained earnings to average equity (ytd only) | 2.5474% | 3,912 |
| Net charge-offs to loans | 1.2031% | 1,523 |
| Credit loss provision to net charge-offs | 125.4982% | 3,702 |
| Earnings coverage of net charge-offs (x) | 1.5363% | 4,385 |
| Efficiency ratio | 60.2904% | 6,498 |
| Assets per employee ($millions) | 6.0251% | 1,201 |
| Cash dividends to net income (ytd only)* | 57.2188% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 3,065 |
| Loan loss allowance to noncurrent loans | 46.6681% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 3.2517% | 1,919 |
| Noncurrent loans to loans | 3.2666% | 2,169 |
| Net loans and leases to total assets | 75.4095% | 2,342 |
| Net loans and leases to deposits | 102.9046% | 1,002 |
| Net loans and leases to core deposits | 139.5898% | 1,032 |
| Total domestic deposits to total assets | 73.2810% | 7,069 |
| Equity capital to assets | 9.7570% | 4,276 |
| Core capital (leverage) ratio | 7.7051% | 6,751 |
| Tier 1 risk-based capital ratio | 8.8607% | 7,766 |
| Total risk-based capital ratio | 10.1124% | 7,803 |
| Memoranda: | ||
| Average total assets | $1,792,539,000 | 414 |
| Average earning assets | $1,601,982,330 | 420 |
| Average equity | $176,805,670 | 400 |
| Average total loans | $1,351,508,330 | 391 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9330% | 7,092 |
| Cost of funding earning assets | 1.6875% | 5,650 |
| Net interest margin | 3.2455% | 5,704 |
| Noninterest income to average assets | 0.5075% | 4,254 |
| Noninterest expense to average assets | 2.2226% | 6,793 |
| Loan and lease loss provision to assets | 0.9028% | 1,450 |
| Net operating income to assets | 0.2566% | 5,458 |
| Return on assets (ROA) | 0.6824% | 3,834 |
| Pretax return on assets | 0.7232% | 4,344 |
| Return on Equity (ROE) | 6.8804% | 3,636 |
| Retained earnings to average equity (ytd only) | 3.1188% | 4,138 |
| Net charge-offs to loans | 0.7785% | 1,653 |
| Credit loss provision to net charge-offs | 155.0501% | 2,702 |
| Earnings coverage of net charge-offs (x) | 2.0146% | 3,712 |
| Efficiency ratio | 64.3443% | 5,619 |
| Assets per employee ($millions) | 5.7889% | 1,330 |
| Cash dividends to net income (ytd only)* | 54.6711% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5185% | 2,873 |
| Loan loss allowance to noncurrent loans | 59.7207% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.4245% | 2,367 |
| Noncurrent loans to loans | 2.5427% | 2,591 |
| Net loans and leases to total assets | 73.9398% | 2,776 |
| Net loans and leases to deposits | 100.3570% | 1,364 |
| Net loans and leases to core deposits | 137.8756% | 1,208 |
| Total domestic deposits to total assets | 73.6768% | 6,939 |
| Equity capital to assets | 9.8122% | 4,227 |
| Core capital (leverage) ratio | 7.6842% | 6,907 |
| Tier 1 risk-based capital ratio | 9.0486% | 7,762 |
| Total risk-based capital ratio | 10.3005% | 7,786 |
| Memoranda: | ||
| Average total assets | $1,782,027,000 | 416 |
| Average earning assets | $1,585,807,000 | 423 |
| Average equity | $176,733,500 | 406 |
| Average total loans | $1,332,877,500 | 400 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7391% | 6,646 |
| Cost of funding earning assets | 2.3189% | 5,063 |
| Net interest margin | 3.4202% | 5,579 |
| Noninterest income to average assets | 0.5980% | 3,855 |
| Noninterest expense to average assets | 2.1285% | 7,161 |
| Loan and lease loss provision to assets | 1.4803% | 913 |
| Net operating income to assets | 0.0394% | 6,258 |
| Return on assets (ROA) | 0.1002% | 5,955 |
| Pretax return on assets | 0.1233% | 5,899 |
| Return on Equity (ROE) | 1.0010% | 5,914 |
| Retained earnings to average equity (ytd only) | -1.4757% | 5,732 |
| Net charge-offs to loans | 1.4254% | 822 |
| Credit loss provision to net charge-offs | 140.3042% | 3,784 |
| Earnings coverage of net charge-offs (x) | 1.4488% | 5,388 |
| Efficiency ratio | 57.1529% | 6,844 |
| Assets per employee ($millions) | 5.6169% | 1,376 |
| Cash dividends to net income (ytd only)* | 247.4256% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 2,904 |
| Loan loss allowance to noncurrent loans | 87.5814% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.8997% | 2,590 |
| Noncurrent loans to loans | 1.6594% | 3,281 |
| Net loans and leases to total assets | 73.4225% | 3,257 |
| Net loans and leases to deposits | 102.3249% | 1,552 |
| Net loans and leases to core deposits | 137.9813% | 1,374 |
| Total domestic deposits to total assets | 71.7542% | 7,046 |
| Equity capital to assets | 10.0251% | 4,009 |
| Core capital (leverage) ratio | 7.5786% | 7,104 |
| Tier 1 risk-based capital ratio | 9.0724% | 7,742 |
| Total risk-based capital ratio | 10.3233% | 7,705 |
| Memoranda: | ||
| Average total assets | $1,744,929,200 | 408 |
| Average earning assets | $1,560,684,800 | 410 |
| Average equity | $174,625,600 | 413 |
| Average total loans | $1,291,562,200 | 404 |