Home > Heritage Bank USA, Inc. > Performance and Condition Ratios
Heritage Bank USA, Inc., Performance and Condition Ratios
| 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 | 4.6421% | 2,537 |
| Cost of funding earning assets | 1.2783% | 794 |
| Net interest margin | 3.3638% | 4,002 |
| Noninterest income to average assets | 0.7685% | 1,444 |
| Noninterest expense to average assets | 3.1233% | 1,673 |
| Loan and lease loss provision to assets | 0.0219% | 3,365 |
| Net operating income to assets | 0.6086% | 4,287 |
| Return on assets (ROA) | 0.6086% | 4,324 |
| Pretax return on assets | 0.7083% | 4,310 |
| Return on Equity (ROE) | 5.6394% | 4,166 |
| Retained earnings to average equity (ytd only) | -0.3345% | 4,738 |
| Net charge-offs to loans | 0.0176% | 2,524 |
| Credit loss provision to net charge-offs | 172.8814% | 1,352 |
| Earnings coverage of net charge-offs (x) | 57.5932% | 1,007 |
| Efficiency ratio | 81.0496% | 881 |
| Assets per employee ($millions) | 4.6609% | 2,924 |
| Cash dividends to net income (ytd only)* | 105.9322% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6786% | 4,746 |
| Loan loss allowance to noncurrent loans | 302.6438% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 2,485 |
| Noncurrent loans to loans | 0.2242% | 3,736 |
| Net loans and leases to total assets | 71.8995% | 2,226 |
| Net loans and leases to deposits | 90.9818% | 1,631 |
| Net loans and leases to core deposits | 103.2066% | 1,452 |
| Total domestic deposits to total assets | 79.0263% | 4,216 |
| Equity capital to assets | 10.9862% | 3,074 |
| Core capital (leverage) ratio | 10.9055% | 2,686 |
| Tier 1 risk-based capital ratio | 14.4043% | 3,116 |
| Total risk-based capital ratio | 15.0610% | 3,316 |
| Memoranda: | ||
| Average total assets | $930,629,000 | 836 |
| Average earning assets | $853,498,330 | 845 |
| Average equity | $100,435,670 | 892 |
| Average total loans | $670,306,670 | 842 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5184% | 2,805 |
| Cost of funding earning assets | 1.2243% | 841 |
| Net interest margin | 3.2941% | 4,174 |
| Noninterest income to average assets | 0.7042% | 1,598 |
| Noninterest expense to average assets | 3.1110% | 1,710 |
| Loan and lease loss provision to assets | 0.0258% | 3,093 |
| Net operating income to assets | 0.5063% | 4,506 |
| Return on assets (ROA) | 0.5063% | 4,525 |
| Pretax return on assets | 0.5743% | 4,563 |
| Return on Equity (ROE) | 4.7341% | 4,401 |
| Retained earnings to average equity (ytd only) | -7.3325% | 5,016 |
| Net charge-offs to loans | 0.0257% | 1,938 |
| Credit loss provision to net charge-offs | 139.5349% | 1,298 |
| Earnings coverage of net charge-offs (x) | 32.4419% | 1,283 |
| Efficiency ratio | 83.8298% | 719 |
| Assets per employee ($millions) | 4.4298% | 3,289 |
| Cash dividends to net income (ytd only)* | 254.8853% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6780% | 4,814 |
| Loan loss allowance to noncurrent loans | 427.9135% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 2,675 |
| Noncurrent loans to loans | 0.1584% | 4,032 |
| Net loans and leases to total assets | 71.6995% | 2,211 |
| Net loans and leases to deposits | 89.8013% | 1,658 |
| Net loans and leases to core deposits | 102.6634% | 1,405 |
| Total domestic deposits to total assets | 79.8424% | 4,199 |
| Equity capital to assets | 10.6584% | 3,196 |
| Core capital (leverage) ratio | 10.7199% | 2,832 |
| Tier 1 risk-based capital ratio | 14.2239% | 3,232 |
| Total risk-based capital ratio | 14.8848% | 3,442 |
| Memoranda: | ||
| Average total assets | $929,855,500 | 839 |
| Average earning assets | $848,789,500 | 856 |
| Average equity | $99,448,000 | 895 |
| Average total loans | $668,055,500 | 846 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 2,760 |
| Cost of funding earning assets | 0.9084% | 1,058 |
| Net interest margin | 3.4911% | 3,734 |
| Noninterest income to average assets | 0.7679% | 1,578 |
| Noninterest expense to average assets | 3.1063% | 1,781 |
| Loan and lease loss provision to assets | 0.0315% | 3,551 |
| Net operating income to assets | 0.7019% | 4,133 |
| Return on assets (ROA) | 0.7528% | 3,963 |
| Pretax return on assets | 0.9014% | 3,898 |
| Return on Equity (ROE) | 7.1385% | 3,775 |
| Retained earnings to average equity (ytd only) | 4.5442% | 3,027 |
| Net charge-offs to loans | 0.0869% | 1,909 |
| Credit loss provision to net charge-offs | 49.8270% | 3,195 |
| Earnings coverage of net charge-offs (x) | 13.7924% | 2,423 |
| Efficiency ratio | 78.0736% | 1,125 |
| Assets per employee ($millions) | 4.2248% | 3,577 |
| Cash dividends to net income (ytd only)* | 36.3425% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6826% | 4,833 |
| Loan loss allowance to noncurrent loans | 317.2028% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 2,429 |
| Noncurrent loans to loans | 0.2152% | 3,810 |
| Net loans and leases to total assets | 71.0129% | 2,417 |
| Net loans and leases to deposits | 89.0589% | 1,921 |
| Net loans and leases to core deposits | 102.9128% | 1,511 |
| Total domestic deposits to total assets | 79.7370% | 4,163 |
| Equity capital to assets | 10.7316% | 2,945 |
| Core capital (leverage) ratio | 10.9433% | 2,576 |
| Tier 1 risk-based capital ratio | 15.3228% | 2,688 |
| Total risk-based capital ratio | 16.0215% | 2,864 |
| Memoranda: | ||
| Average total assets | $913,812,600 | 835 |
| Average earning assets | $840,447,800 | 837 |
| Average equity | $96,365,000 | 880 |
| Average total loans | $664,836,400 | 825 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3623% | 2,755 |
| Cost of funding earning assets | 0.8388% | 1,156 |
| Net interest margin | 3.5235% | 3,624 |
| Noninterest income to average assets | 0.7760% | 1,554 |
| Noninterest expense to average assets | 3.1866% | 1,557 |
| Loan and lease loss provision to assets | 0.0299% | 3,422 |
| Net operating income to assets | 0.6748% | 4,303 |
| Return on assets (ROA) | 0.7372% | 4,130 |
| Pretax return on assets | 0.8833% | 4,077 |
| Return on Equity (ROE) | 7.0224% | 3,924 |
| Retained earnings to average equity (ytd only) | 3.5329% | 4,004 |
| Net charge-offs to loans | 0.0956% | 1,536 |
| Credit loss provision to net charge-offs | 42.7673% | 2,885 |
| Earnings coverage of net charge-offs (x) | 11.9896% | 2,480 |
| Efficiency ratio | 79.1779% | 1,019 |
| Assets per employee ($millions) | 4.0316% | 3,830 |
| Cash dividends to net income (ytd only)* | 49.6919% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6793% | 4,913 |
| Loan loss allowance to noncurrent loans | 247.3112% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 2,396 |
| Noncurrent loans to loans | 0.2747% | 3,699 |
| Net loans and leases to total assets | 73.7146% | 2,034 |
| Net loans and leases to deposits | 91.3979% | 1,706 |
| Net loans and leases to core deposits | 106.5105% | 1,267 |
| Total domestic deposits to total assets | 80.6524% | 3,969 |
| Equity capital to assets | 10.6263% | 3,020 |
| Core capital (leverage) ratio | 10.7277% | 2,860 |
| Tier 1 risk-based capital ratio | 15.0443% | 2,864 |
| Total risk-based capital ratio | 15.7497% | 3,041 |
| Memoranda: | ||
| Average total assets | $909,903,000 | 841 |
| Average earning assets | $838,917,750 | 838 |
| Average equity | $95,520,000 | 883 |
| Average total loans | $664,904,000 | 829 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 2,798 |
| Cost of funding earning assets | 0.7579% | 1,335 |
| Net interest margin | 3.5323% | 3,523 |
| Noninterest income to average assets | 0.7637% | 1,597 |
| Noninterest expense to average assets | 3.1866% | 1,572 |
| Loan and lease loss provision to assets | 0.0285% | 3,339 |
| Net operating income to assets | 0.6660% | 4,301 |
| Return on assets (ROA) | 0.7584% | 4,005 |
| Pretax return on assets | 0.9154% | 3,921 |
| Return on Equity (ROE) | 7.2537% | 3,812 |
| Retained earnings to average equity (ytd only) | 2.0111% | 4,453 |
| Net charge-offs to loans | 0.0962% | 1,390 |
| Credit loss provision to net charge-offs | 40.7524% | 2,557 |
| Earnings coverage of net charge-offs (x) | 11.9028% | 2,237 |
| Efficiency ratio | 79.2865% | 1,089 |
| Assets per employee ($millions) | 4.0272% | 3,848 |
| Cash dividends to net income (ytd only)* | 72.2752% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6839% | 4,974 |
| Loan loss allowance to noncurrent loans | 289.2701% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 2,578 |
| Noncurrent loans to loans | 0.2364% | 3,865 |
| Net loans and leases to total assets | 73.9867% | 1,946 |
| Net loans and leases to deposits | 91.6858% | 1,626 |
| Net loans and leases to core deposits | 106.3267% | 1,219 |
| Total domestic deposits to total assets | 80.6959% | 4,078 |
| Equity capital to assets | 10.4553% | 3,169 |
| Core capital (leverage) ratio | 10.5219% | 3,008 |
| Tier 1 risk-based capital ratio | 14.5975% | 3,070 |
| Total risk-based capital ratio | 15.3055% | 3,252 |
| Memoranda: | ||
| Average total assets | $912,181,000 | 838 |
| Average earning assets | $840,692,670 | 838 |
| Average equity | $95,372,330 | 881 |
| Average total loans | $663,123,000 | 832 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 2,803 |
| Cost of funding earning assets | 0.7112% | 1,384 |
| Net interest margin | 3.5141% | 3,485 |
| Noninterest income to average assets | 0.7315% | 1,698 |
| Noninterest expense to average assets | 3.1910% | 1,586 |
| Loan and lease loss provision to assets | 0.0298% | 3,118 |
| Net operating income to assets | 0.6139% | 4,381 |
| Return on assets (ROA) | 0.6237% | 4,375 |
| Pretax return on assets | 0.7495% | 4,298 |
| Return on Equity (ROE) | 5.9657% | 4,165 |
| Retained earnings to average equity (ytd only) | -4.5078% | 5,178 |
| Net charge-offs to loans | 0.1464% | 947 |
| Credit loss provision to net charge-offs | 28.3333% | 2,080 |
| Earnings coverage of net charge-offs (x) | 7.3000% | 2,099 |
| Efficiency ratio | 80.6130% | 1,076 |
| Assets per employee ($millions) | 4.0121% | 3,955 |
| Cash dividends to net income (ytd only)* | 175.5618% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 5,037 |
| Loan loss allowance to noncurrent loans | 232.2355% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5857% | 2,571 |
| Noncurrent loans to loans | 0.3001% | 3,689 |
| Net loans and leases to total assets | 72.8222% | 2,048 |
| Net loans and leases to deposits | 88.7161% | 1,839 |
| Net loans and leases to core deposits | 99.8135% | 1,705 |
| Total domestic deposits to total assets | 82.0845% | 3,934 |
| Equity capital to assets | 10.3357% | 3,234 |
| Core capital (leverage) ratio | 10.3343% | 3,141 |
| Tier 1 risk-based capital ratio | 14.4418% | 3,152 |
| Total risk-based capital ratio | 15.1585% | 3,341 |
| Memoranda: | ||
| Average total assets | $913,202,500 | 843 |
| Average earning assets | $838,568,000 | 848 |
| Average equity | $95,479,500 | 887 |
| Average total loans | $655,675,500 | 838 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0816% | 3,119 |
| Cost of funding earning assets | 0.6631% | 1,231 |
| Net interest margin | 3.4185% | 3,792 |
| Noninterest income to average assets | 0.8554% | 1,396 |
| Noninterest expense to average assets | 3.1424% | 1,738 |
| Loan and lease loss provision to assets | 0.0526% | 3,179 |
| Net operating income to assets | 0.5093% | 4,353 |
| Return on assets (ROA) | 0.5212% | 4,354 |
| Pretax return on assets | 0.8180% | 4,203 |
| Return on Equity (ROE) | 4.9150% | 4,198 |
| Retained earnings to average equity (ytd only) | 2.3172% | 3,934 |
| Net charge-offs to loans | 0.2796% | 931 |
| Credit loss provision to net charge-offs | 27.0715% | 3,562 |
| Earnings coverage of net charge-offs (x) | 4.3876% | 3,474 |
| Efficiency ratio | 78.6707% | 1,257 |
| Assets per employee ($millions) | 3.9985% | 3,958 |
| Cash dividends to net income (ytd only)* | 52.8541% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7500% | 4,952 |
| Loan loss allowance to noncurrent loans | 351.7493% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 2,830 |
| Noncurrent loans to loans | 0.2132% | 4,060 |
| Net loans and leases to total assets | 69.7471% | 2,559 |
| Net loans and leases to deposits | 84.6087% | 2,420 |
| Net loans and leases to core deposits | 96.8780% | 1,953 |
| Total domestic deposits to total assets | 82.4349% | 3,748 |
| Equity capital to assets | 10.5745% | 3,082 |
| Core capital (leverage) ratio | 10.5430% | 2,796 |
| Tier 1 risk-based capital ratio | 15.1270% | 2,784 |
| Total risk-based capital ratio | 15.8945% | 2,941 |
| Memoranda: | ||
| Average total assets | $907,439,800 | 821 |
| Average earning assets | $833,233,400 | 828 |
| Average equity | $96,235,400 | 854 |
| Average total loans | $630,090,800 | 831 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0618% | 3,130 |
| Cost of funding earning assets | 0.6511% | 1,234 |
| Net interest margin | 3.4107% | 3,811 |
| Noninterest income to average assets | 0.8549% | 1,412 |
| Noninterest expense to average assets | 3.1679% | 1,639 |
| Loan and lease loss provision to assets | 0.0620% | 2,834 |
| Net operating income to assets | 0.5724% | 4,492 |
| Return on assets (ROA) | 0.5921% | 4,455 |
| Pretax return on assets | 0.7927% | 4,371 |
| Return on Equity (ROE) | 5.5795% | 4,286 |
| Retained earnings to average equity (ytd only) | 2.1105% | 4,599 |
| Net charge-offs to loans | 0.3687% | 572 |
| Credit loss provision to net charge-offs | 24.2931% | 3,129 |
| Earnings coverage of net charge-offs (x) | 3.2458% | 3,362 |
| Efficiency ratio | 79.2718% | 1,181 |
| Assets per employee ($millions) | 3.9720% | 4,033 |
| Cash dividends to net income (ytd only)* | 62.1736% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7594% | 5,001 |
| Loan loss allowance to noncurrent loans | 275.9632% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 2,268 |
| Noncurrent loans to loans | 0.2752% | 3,966 |
| Net loans and leases to total assets | 69.5571% | 2,622 |
| Net loans and leases to deposits | 85.6279% | 2,350 |
| Net loans and leases to core deposits | 98.7246% | 1,826 |
| Total domestic deposits to total assets | 81.2319% | 3,985 |
| Equity capital to assets | 10.7587% | 3,108 |
| Core capital (leverage) ratio | 10.6253% | 2,853 |
| Tier 1 risk-based capital ratio | 15.2260% | 2,825 |
| Total risk-based capital ratio | 16.0017% | 2,967 |
| Memoranda: | ||
| Average total assets | $905,386,750 | 826 |
| Average earning assets | $833,898,250 | 830 |
| Average equity | $96,087,750 | 860 |
| Average total loans | $626,746,750 | 840 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 3,201 |
| Cost of funding earning assets | 0.6342% | 1,232 |
| Net interest margin | 3.3676% | 3,887 |
| Noninterest income to average assets | 0.8725% | 1,356 |
| Noninterest expense to average assets | 3.2057% | 1,566 |
| Loan and lease loss provision to assets | 0.0772% | 2,438 |
| Net operating income to assets | 0.5300% | 4,613 |
| Return on assets (ROA) | 0.5327% | 4,632 |
| Pretax return on assets | 0.6962% | 4,557 |
| Return on Equity (ROE) | 5.0427% | 4,460 |
| Retained earnings to average equity (ytd only) | -0.1775% | 5,101 |
| Net charge-offs to loans | -0.2301% | 5,601 |
| Credit loss provision to net charge-offs | -48.6787% | 4,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6348% | 1,143 |
| Assets per employee ($millions) | 3.9501% | 4,042 |
| Cash dividends to net income (ytd only)* | 103.5197% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 3,463 |
| Loan loss allowance to noncurrent loans | 83.7025% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.0992% | 1,586 |
| Noncurrent loans to loans | 1.3386% | 1,442 |
| Net loans and leases to total assets | 69.7428% | 2,561 |
| Net loans and leases to deposits | 84.8310% | 2,371 |
| Net loans and leases to core deposits | 95.4974% | 2,026 |
| Total domestic deposits to total assets | 82.2138% | 3,824 |
| Equity capital to assets | 10.5280% | 3,304 |
| Core capital (leverage) ratio | 10.3577% | 3,061 |
| Tier 1 risk-based capital ratio | 14.5902% | 3,118 |
| Total risk-based capital ratio | 15.7307% | 3,100 |
| Memoranda: | ||
| Average total assets | $906,636,670 | 833 |
| Average earning assets | $835,427,000 | 837 |
| Average equity | $95,782,330 | 861 |
| Average total loans | $625,011,670 | 844 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 3,172 |
| Cost of funding earning assets | 0.6265% | 1,211 |
| Net interest margin | 3.3339% | 3,910 |
| Noninterest income to average assets | 0.9831% | 1,039 |
| Noninterest expense to average assets | 3.3517% | 1,282 |
| Loan and lease loss provision to assets | 0.1285% | 1,496 |
| Net operating income to assets | 0.4568% | 4,751 |
| Return on assets (ROA) | 0.4575% | 4,769 |
| Pretax return on assets | 0.5635% | 4,810 |
| Return on Equity (ROE) | 4.3235% | 4,658 |
| Retained earnings to average equity (ytd only) | 4.3235% | 3,262 |
| Net charge-offs to loans | 0.1543% | 1,038 |
| Credit loss provision to net charge-offs | 122.2689% | 1,375 |
| Earnings coverage of net charge-offs (x) | 6.5756% | 2,205 |
| Efficiency ratio | 82.9036% | 1,074 |
| Assets per employee ($millions) | 3.9393% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 4,350 |
| Loan loss allowance to noncurrent loans | 68.9177% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.1993% | 1,471 |
| Noncurrent loans to loans | 1.4362% | 1,403 |
| Net loans and leases to total assets | 66.8889% | 2,833 |
| Net loans and leases to deposits | 80.4284% | 2,696 |
| Net loans and leases to core deposits | 91.8557% | 2,179 |
| Total domestic deposits to total assets | 83.1658% | 3,777 |
| Equity capital to assets | 10.4639% | 3,218 |
| Core capital (leverage) ratio | 10.4705% | 2,937 |
| Tier 1 risk-based capital ratio | 15.0123% | 2,958 |
| Total risk-based capital ratio | 16.0011% | 3,017 |
| Memoranda: | ||
| Average total assets | $905,695,000 | 836 |
| Average earning assets | $831,227,500 | 842 |
| Average equity | $95,849,000 | 861 |
| Average total loans | $617,114,000 | 853 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9757% | 3,286 |
| Cost of funding earning assets | 0.6098% | 1,278 |
| Net interest margin | 3.3660% | 3,934 |
| Noninterest income to average assets | 0.8081% | 1,723 |
| Noninterest expense to average assets | 3.3564% | 1,450 |
| Loan and lease loss provision to assets | 0.1410% | 1,770 |
| Net operating income to assets | 0.3246% | 5,158 |
| Return on assets (ROA) | 0.3823% | 5,082 |
| Pretax return on assets | 0.4595% | 5,104 |
| Return on Equity (ROE) | 3.4940% | 5,010 |
| Retained earnings to average equity (ytd only) | 1.4180% | 4,703 |
| Net charge-offs to loans | 0.1435% | 1,825 |
| Credit loss provision to net charge-offs | 149.4585% | 1,833 |
| Earnings coverage of net charge-offs (x) | 5.6270% | 3,311 |
| Efficiency ratio | 86.3399% | 796 |
| Assets per employee ($millions) | 3.7695% | 4,365 |
| Cash dividends to net income (ytd only)* | 59.4177% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 4,334 |
| Loan loss allowance to noncurrent loans | 67.3573% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 1.2894% | 1,373 |
| Noncurrent loans to loans | 1.4839% | 1,361 |
| Net loans and leases to total assets | 68.0504% | 2,760 |
| Net loans and leases to deposits | 82.5164% | 2,606 |
| Net loans and leases to core deposits | 97.1722% | 1,824 |
| Total domestic deposits to total assets | 82.4690% | 3,944 |
| Equity capital to assets | 10.7062% | 2,918 |
| Core capital (leverage) ratio | 10.6795% | 2,680 |
| Tier 1 risk-based capital ratio | 15.0339% | 2,949 |
| Total risk-based capital ratio | 16.0369% | 3,005 |
| Memoranda: | ||
| Average total assets | $880,569,400 | 825 |
| Average earning assets | $805,565,600 | 831 |
| Average equity | $96,335,600 | 822 |
| Average total loans | $578,981,600 | 858 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9905% | 3,262 |
| Cost of funding earning assets | 0.6151% | 1,239 |
| Net interest margin | 3.3755% | 3,936 |
| Noninterest income to average assets | 0.8074% | 1,734 |
| Noninterest expense to average assets | 3.4019% | 1,336 |
| Loan and lease loss provision to assets | 0.1787% | 1,247 |
| Net operating income to assets | 0.2660% | 5,358 |
| Return on assets (ROA) | 0.3211% | 5,320 |
| Pretax return on assets | 0.3740% | 5,349 |
| Return on Equity (ROE) | 2.9189% | 5,244 |
| Retained earnings to average equity (ytd only) | 0.1587% | 5,300 |
| Net charge-offs to loans | 0.0152% | 3,428 |
| Credit loss provision to net charge-offs | 1,810.7692% | 258 |
| Earnings coverage of net charge-offs (x) | 49.5256% | 1,083 |
| Efficiency ratio | 87.4400% | 711 |
| Assets per employee ($millions) | 3.6570% | 4,561 |
| Cash dividends to net income (ytd only)* | 94.5626% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 3,489 |
| Loan loss allowance to noncurrent loans | 58.4019% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 1.4253% | 1,294 |
| Noncurrent loans to loans | 1.9856% | 997 |
| Net loans and leases to total assets | 66.7086% | 3,002 |
| Net loans and leases to deposits | 81.3834% | 2,811 |
| Net loans and leases to core deposits | 95.5812% | 2,041 |
| Total domestic deposits to total assets | 81.9684% | 3,943 |
| Equity capital to assets | 11.1936% | 2,805 |
| Core capital (leverage) ratio | 10.7488% | 2,730 |
| Tier 1 risk-based capital ratio | 15.6046% | 2,791 |
| Total risk-based capital ratio | 16.7595% | 2,756 |
| Memoranda: | ||
| Average total assets | $878,310,500 | 829 |
| Average earning assets | $802,242,250 | 832 |
| Average equity | $96,608,750 | 823 |
| Average total loans | $570,854,000 | 868 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9648% | 3,370 |
| Cost of funding earning assets | 0.6183% | 1,206 |
| Net interest margin | 3.3465% | 4,075 |
| Noninterest income to average assets | 0.7898% | 1,757 |
| Noninterest expense to average assets | 3.4206% | 1,337 |
| Loan and lease loss provision to assets | 0.2095% | 1,020 |
| Net operating income to assets | 0.1804% | 5,559 |
| Return on assets (ROA) | 0.2465% | 5,503 |
| Pretax return on assets | 0.2899% | 5,513 |
| Return on Equity (ROE) | 2.2546% | 5,450 |
| Retained earnings to average equity (ytd only) | -1.8975% | 5,528 |
| Net charge-offs to loans | 0.0350% | 2,751 |
| Credit loss provision to net charge-offs | 932.3232% | 397 |
| Earnings coverage of net charge-offs (x) | 18.7576% | 1,808 |
| Efficiency ratio | 89.0274% | 653 |
| Assets per employee ($millions) | 3.5378% | 4,690 |
| Cash dividends to net income (ytd only)* | 184.1621% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 3,675 |
| Loan loss allowance to noncurrent loans | 45.9437% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 1.7415% | 1,014 |
| Noncurrent loans to loans | 2.4960% | 703 |
| Net loans and leases to total assets | 65.4183% | 3,166 |
| Net loans and leases to deposits | 80.2516% | 2,898 |
| Net loans and leases to core deposits | 94.3546% | 2,131 |
| Total domestic deposits to total assets | 81.5164% | 4,138 |
| Equity capital to assets | 11.3057% | 2,738 |
| Core capital (leverage) ratio | 10.6414% | 2,804 |
| Tier 1 risk-based capital ratio | 15.8810% | 2,697 |
| Total risk-based capital ratio | 17.0129% | 2,689 |
| Memoranda: | ||
| Average total assets | $880,957,330 | 822 |
| Average earning assets | $803,531,000 | 826 |
| Average equity | $96,336,330 | 820 |
| Average total loans | $565,330,670 | 875 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0484% | 3,042 |
| Cost of funding earning assets | 0.6505% | 1,050 |
| Net interest margin | 3.3979% | 3,874 |
| Noninterest income to average assets | 0.7362% | 1,877 |
| Noninterest expense to average assets | 3.4002% | 1,378 |
| Loan and lease loss provision to assets | 0.2055% | 951 |
| Net operating income to assets | 0.1590% | 5,600 |
| Return on assets (ROA) | 0.2625% | 5,469 |
| Pretax return on assets | 0.3338% | 5,444 |
| Return on Equity (ROE) | 2.4399% | 5,389 |
| Retained earnings to average equity (ytd only) | -5.9015% | 5,654 |
| Net charge-offs to loans | -0.0035% | 4,209 |
| Credit loss provision to net charge-offs | -9,160.0000% | 5,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2802% | 722 |
| Assets per employee ($millions) | 3.6622% | 4,538 |
| Cash dividends to net income (ytd only)* | 341.8803% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 4,076 |
| Loan loss allowance to noncurrent loans | 122.5492% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.7349% | 2,879 |
| Noncurrent loans to loans | 0.8945% | 2,605 |
| Net loans and leases to total assets | 63.0041% | 3,387 |
| Net loans and leases to deposits | 76.6242% | 3,152 |
| Net loans and leases to core deposits | 89.4615% | 2,421 |
| Total domestic deposits to total assets | 82.2249% | 4,144 |
| Equity capital to assets | 10.8786% | 3,071 |
| Core capital (leverage) ratio | 10.4617% | 3,010 |
| Tier 1 risk-based capital ratio | 16.3572% | 2,536 |
| Total risk-based capital ratio | 17.4540% | 2,544 |
| Memoranda: | ||
| Average total assets | $891,589,000 | 816 |
| Average earning assets | $806,141,500 | 826 |
| Average equity | $95,907,500 | 825 |
| Average total loans | $563,535,500 | 875 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0827% | 2,987 |
| Cost of funding earning assets | 0.7098% | 778 |
| Net interest margin | 3.3729% | 4,023 |
| Noninterest income to average assets | 0.6566% | 2,427 |
| Noninterest expense to average assets | 3.2548% | 1,822 |
| Loan and lease loss provision to assets | 0.1172% | 2,030 |
| Net operating income to assets | 0.2903% | 5,388 |
| Return on assets (ROA) | 0.3519% | 5,300 |
| Pretax return on assets | 0.4415% | 5,243 |
| Return on Equity (ROE) | 3.1899% | 5,242 |
| Retained earnings to average equity (ytd only) | -9.0401% | 6,025 |
| Net charge-offs to loans | 0.2924% | 1,040 |
| Credit loss provision to net charge-offs | 64.0854% | 3,209 |
| Earnings coverage of net charge-offs (x) | 2.6335% | 3,860 |
| Efficiency ratio | 87.0139% | 907 |
| Assets per employee ($millions) | 3.7061% | 4,463 |
| Cash dividends to net income (ytd only)* | 383.3967% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 4,551 |
| Loan loss allowance to noncurrent loans | 76.7987% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.0169% | 2,161 |
| Noncurrent loans to loans | 1.3140% | 1,794 |
| Net loans and leases to total assets | 62.0861% | 3,553 |
| Net loans and leases to deposits | 75.5577% | 3,314 |
| Net loans and leases to core deposits | 88.8490% | 2,515 |
| Total domestic deposits to total assets | 82.1705% | 4,121 |
| Equity capital to assets | 10.6377% | 3,200 |
| Core capital (leverage) ratio | 10.7151% | 2,694 |
| Tier 1 risk-based capital ratio | 16.1355% | 2,632 |
| Total risk-based capital ratio | 17.1210% | 2,686 |
| Memoranda: | ||
| Average total assets | $896,719,800 | 767 |
| Average earning assets | $818,791,200 | 763 |
| Average equity | $98,937,400 | 777 |
| Average total loans | $560,781,400 | 833 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 2,898 |
| Cost of funding earning assets | 0.7011% | 831 |
| Net interest margin | 3.4078% | 3,923 |
| Noninterest income to average assets | 0.6229% | 2,623 |
| Noninterest expense to average assets | 3.2809% | 1,740 |
| Loan and lease loss provision to assets | 0.1131% | 1,997 |
| Net operating income to assets | 0.2884% | 5,487 |
| Return on assets (ROA) | 0.3550% | 5,391 |
| Pretax return on assets | 0.4403% | 5,374 |
| Return on Equity (ROE) | 3.1888% | 5,321 |
| Retained earnings to average equity (ytd only) | -12.9892% | 6,162 |
| Net charge-offs to loans | 0.3720% | 699 |
| Credit loss provision to net charge-offs | 48.6556% | 3,052 |
| Earnings coverage of net charge-offs (x) | 2.0269% | 3,744 |
| Efficiency ratio | 87.3136% | 909 |
| Assets per employee ($millions) | 3.4380% | 4,910 |
| Cash dividends to net income (ytd only)* | 507.3376% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 4,941 |
| Loan loss allowance to noncurrent loans | 63.4776% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.1794% | 2,004 |
| Noncurrent loans to loans | 1.5104% | 1,667 |
| Net loans and leases to total assets | 64.4008% | 3,240 |
| Net loans and leases to deposits | 80.1404% | 2,865 |
| Net loans and leases to core deposits | 93.3753% | 2,138 |
| Total domestic deposits to total assets | 80.3600% | 4,651 |
| Equity capital to assets | 10.9510% | 3,078 |
| Core capital (leverage) ratio | 10.6651% | 2,862 |
| Tier 1 risk-based capital ratio | 15.8988% | 2,846 |
| Total risk-based capital ratio | 16.8413% | 2,933 |
| Memoranda: | ||
| Average total assets | $895,752,250 | 775 |
| Average earning assets | $822,529,000 | 766 |
| Average equity | $99,721,250 | 777 |
| Average total loans | $559,766,500 | 842 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1794% | 2,619 |
| Cost of funding earning assets | 0.6966% | 858 |
| Net interest margin | 3.4828% | 3,566 |
| Noninterest income to average assets | 0.5441% | 3,080 |
| Noninterest expense to average assets | 3.2370% | 1,874 |
| Loan and lease loss provision to assets | 0.1077% | 2,030 |
| Net operating income to assets | 0.3042% | 5,431 |
| Return on assets (ROA) | 0.3809% | 5,315 |
| Pretax return on assets | 0.4921% | 5,247 |
| Return on Equity (ROE) | 3.4036% | 5,269 |
| Retained earnings to average equity (ytd only) | -15.6376% | 6,236 |
| Net charge-offs to loans | 0.4464% | 575 |
| Credit loss provision to net charge-offs | 39.1129% | 2,827 |
| Earnings coverage of net charge-offs (x) | 1.8169% | 3,448 |
| Efficiency ratio | 86.4271% | 1,027 |
| Assets per employee ($millions) | 3.4229% | 4,947 |
| Cash dividends to net income (ytd only)* | 559.4406% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 4,948 |
| Loan loss allowance to noncurrent loans | 78.4297% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.0102% | 2,502 |
| Noncurrent loans to loans | 1.2537% | 2,149 |
| Net loans and leases to total assets | 63.5961% | 3,326 |
| Net loans and leases to deposits | 77.5813% | 3,085 |
| Net loans and leases to core deposits | 91.1706% | 2,228 |
| Total domestic deposits to total assets | 81.9735% | 4,298 |
| Equity capital to assets | 11.1120% | 2,764 |
| Core capital (leverage) ratio | 10.5637% | 2,876 |
| Tier 1 risk-based capital ratio | 16.2277% | 2,745 |
| Total risk-based capital ratio | 17.1792% | 2,848 |
| Memoranda: | ||
| Average total assets | $900,958,670 | 778 |
| Average earning assets | $825,994,330 | 776 |
| Average equity | $100,834,000 | 772 |
| Average total loans | $555,588,670 | 848 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 1,658 |
| Cost of funding earning assets | 0.6941% | 873 |
| Net interest margin | 3.7357% | 2,490 |
| Noninterest income to average assets | 0.6486% | 2,407 |
| Noninterest expense to average assets | 3.1981% | 1,991 |
| Loan and lease loss provision to assets | 0.0942% | 2,112 |
| Net operating income to assets | 0.5694% | 4,406 |
| Return on assets (ROA) | 0.6881% | 3,985 |
| Pretax return on assets | 0.9324% | 3,772 |
| Return on Equity (ROE) | 6.1268% | 3,968 |
| Retained earnings to average equity (ytd only) | -31.3127% | 6,348 |
| Net charge-offs to loans | 0.2420% | 985 |
| Credit loss provision to net charge-offs | 64.3713% | 1,959 |
| Earnings coverage of net charge-offs (x) | 5.9222% | 2,343 |
| Efficiency ratio | 78.5129% | 2,112 |
| Assets per employee ($millions) | 3.4396% | 5,016 |
| Cash dividends to net income (ytd only)* | 611.0757% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 4,472 |
| Loan loss allowance to noncurrent loans | 290.4896% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 4,020 |
| Noncurrent loans to loans | 0.3814% | 4,452 |
| Net loans and leases to total assets | 61.5901% | 3,433 |
| Net loans and leases to deposits | 75.6580% | 3,093 |
| Net loans and leases to core deposits | 88.4268% | 2,281 |
| Total domestic deposits to total assets | 81.4059% | 4,702 |
| Equity capital to assets | 11.0752% | 2,888 |
| Core capital (leverage) ratio | 10.5298% | 2,924 |
| Tier 1 risk-based capital ratio | 16.3600% | 2,749 |
| Total risk-based capital ratio | 17.4312% | 2,774 |
| Memoranda: | ||
| Average total assets | $913,302,000 | 767 |
| Average earning assets | $835,070,500 | 769 |
| Average equity | $102,565,500 | 761 |
| Average total loans | $551,978,500 | 850 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 3,588 |
| Cost of funding earning assets | 0.9363% | 314 |
| Net interest margin | 3.0962% | 5,216 |
| Noninterest income to average assets | 0.5132% | 3,399 |
| Noninterest expense to average assets | 3.3130% | 1,897 |
| Loan and lease loss provision to assets | -0.2402% | 6,329 |
| Net operating income to assets | 0.2632% | 5,615 |
| Return on assets (ROA) | 0.3194% | 5,541 |
| Pretax return on assets | 0.3468% | 5,609 |
| Return on Equity (ROE) | 2.8760% | 5,519 |
| Retained earnings to average equity (ytd only) | 0.4024% | 5,592 |
| Net charge-offs to loans | 0.0220% | 4,400 |
| Credit loss provision to net charge-offs | -1,894.1667% | 5,972 |
| Earnings coverage of net charge-offs (x) | 3.5917% | 3,849 |
| Efficiency ratio | 98.3389% | 413 |
| Assets per employee ($millions) | 3.5449% | 4,830 |
| Cash dividends to net income (ytd only)* | 86.0073% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 4,286 |
| Loan loss allowance to noncurrent loans | 198.0787% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 3,977 |
| Noncurrent loans to loans | 0.5804% | 3,929 |
| Net loans and leases to total assets | 57.9959% | 4,047 |
| Net loans and leases to deposits | 73.8866% | 3,450 |
| Net loans and leases to core deposits | 87.3708% | 2,571 |
| Total domestic deposits to total assets | 78.4932% | 5,348 |
| Equity capital to assets | 11.3788% | 2,531 |
| Core capital (leverage) ratio | 10.9781% | 2,431 |
| Tier 1 risk-based capital ratio | 17.5610% | 2,292 |
| Total risk-based capital ratio | 18.6412% | 2,325 |
| Memoranda: | ||
| Average total assets | $946,415,200 | 708 |
| Average earning assets | $869,732,800 | 704 |
| Average equity | $105,112,600 | 692 |
| Average total loans | $546,051,400 | 808 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 3,490 |
| Cost of funding earning assets | 0.9646% | 286 |
| Net interest margin | 3.1039% | 5,244 |
| Noninterest income to average assets | 0.6910% | 2,377 |
| Noninterest expense to average assets | 3.0549% | 2,615 |
| Loan and lease loss provision to assets | -0.1085% | 6,288 |
| Net operating income to assets | 0.4800% | 4,948 |
| Return on assets (ROA) | 0.5416% | 4,781 |
| Pretax return on assets | 0.6795% | 4,764 |
| Return on Equity (ROE) | 4.9063% | 4,764 |
| Retained earnings to average equity (ytd only) | 4.9063% | 3,152 |
| Net charge-offs to loans | -0.0550% | 5,945 |
| Credit loss provision to net charge-offs | 343.5556% | 817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7617% | 1,205 |
| Assets per employee ($millions) | 3.5828% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 2,670 |
| Loan loss allowance to noncurrent loans | 728.1110% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 4,946 |
| Noncurrent loans to loans | 0.2071% | 5,281 |
| Net loans and leases to total assets | 57.2496% | 4,176 |
| Net loans and leases to deposits | 72.8662% | 3,580 |
| Net loans and leases to core deposits | 87.0322% | 2,538 |
| Total domestic deposits to total assets | 78.5681% | 5,423 |
| Equity capital to assets | 11.6957% | 2,314 |
| Core capital (leverage) ratio | 11.2450% | 2,268 |
| Tier 1 risk-based capital ratio | 17.6069% | 2,354 |
| Total risk-based capital ratio | 18.8580% | 2,313 |
| Memoranda: | ||
| Average total assets | $949,939,250 | 707 |
| Average earning assets | $874,632,250 | 700 |
| Average equity | $104,869,000 | 695 |
| Average total loans | $545,815,250 | 808 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9980% | 3,736 |
| Cost of funding earning assets | 0.9809% | 281 |
| Net interest margin | 3.0171% | 5,470 |
| Noninterest income to average assets | 0.6209% | 2,705 |
| Noninterest expense to average assets | 3.0073% | 2,800 |
| Loan and lease loss provision to assets | 0.0249% | 3,785 |
| Net operating income to assets | 0.3092% | 5,537 |
| Return on assets (ROA) | 0.3543% | 5,462 |
| Pretax return on assets | 0.4147% | 5,513 |
| Return on Equity (ROE) | 3.2726% | 5,438 |
| Retained earnings to average equity (ytd only) | 3.2726% | 4,123 |
| Net charge-offs to loans | 0.1635% | 2,083 |
| Credit loss provision to net charge-offs | 26.5625% | 3,105 |
| Earnings coverage of net charge-offs (x) | 4.1295% | 3,168 |
| Efficiency ratio | 88.2110% | 1,069 |
| Assets per employee ($millions) | 3.6491% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 2,762 |
| Loan loss allowance to noncurrent loans | 95.6377% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.0818% | 2,896 |
| Noncurrent loans to loans | 1.5980% | 2,175 |
| Net loans and leases to total assets | 56.9471% | 4,122 |
| Net loans and leases to deposits | 72.3418% | 3,531 |
| Net loans and leases to core deposits | 85.9799% | 2,515 |
| Total domestic deposits to total assets | 78.7195% | 5,512 |
| Equity capital to assets | 11.3035% | 2,610 |
| Core capital (leverage) ratio | 10.9485% | 2,470 |
| Tier 1 risk-based capital ratio | 17.3435% | 2,478 |
| Total risk-based capital ratio | 18.5953% | 2,438 |
| Memoranda: | ||
| Average total assets | $957,272,330 | 703 |
| Average earning assets | $879,796,330 | 693 |
| Average equity | $103,649,000 | 703 |
| Average total loans | $547,962,000 | 801 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9717% | 3,804 |
| Cost of funding earning assets | 0.9767% | 303 |
| Net interest margin | 2.9950% | 5,534 |
| Noninterest income to average assets | 0.6087% | 2,686 |
| Noninterest expense to average assets | 3.0016% | 2,854 |
| Loan and lease loss provision to assets | 0.1578% | 1,542 |
| Net operating income to assets | 0.2051% | 5,785 |
| Return on assets (ROA) | 0.2105% | 5,823 |
| Pretax return on assets | 0.1972% | 5,920 |
| Return on Equity (ROE) | 1.9871% | 5,790 |
| Retained earnings to average equity (ytd only) | 1.9871% | 4,808 |
| Net charge-offs to loans | 0.1086% | 2,091 |
| Credit loss provision to net charge-offs | 255.0336% | 896 |
| Earnings coverage of net charge-offs (x) | 5.6510% | 2,347 |
| Efficiency ratio | 89.1587% | 1,111 |
| Assets per employee ($millions) | 3.6476% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 2,559 |
| Loan loss allowance to noncurrent loans | 88.8457% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.2209% | 2,819 |
| Noncurrent loans to loans | 1.8407% | 2,083 |
| Net loans and leases to total assets | 55.8832% | 4,155 |
| Net loans and leases to deposits | 70.3457% | 3,555 |
| Net loans and leases to core deposits | 85.5583% | 2,361 |
| Total domestic deposits to total assets | 79.4409% | 5,605 |
| Equity capital to assets | 10.7575% | 2,977 |
| Core capital (leverage) ratio | 10.6541% | 2,757 |
| Tier 1 risk-based capital ratio | 16.9599% | 2,711 |
| Total risk-based capital ratio | 18.2128% | 2,661 |
| Memoranda: | ||
| Average total assets | $963,349,500 | 703 |
| Average earning assets | $882,133,500 | 696 |
| Average equity | $102,058,000 | 713 |
| Average total loans | $548,658,000 | 798 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1249% | 3,641 |
| Cost of funding earning assets | 1.1191% | 254 |
| Net interest margin | 3.0058% | 5,566 |
| Noninterest income to average assets | 0.7723% | 2,199 |
| Noninterest expense to average assets | 2.8914% | 3,397 |
| Loan and lease loss provision to assets | 0.1676% | 2,183 |
| Net operating income to assets | 0.3839% | 5,196 |
| Return on assets (ROA) | 0.4893% | 4,921 |
| Pretax return on assets | 0.6084% | 4,850 |
| Return on Equity (ROE) | 4.3764% | 4,947 |
| Retained earnings to average equity (ytd only) | -0.7635% | 6,022 |
| Net charge-offs to loans | 0.6590% | 985 |
| Credit loss provision to net charge-offs | 44.9300% | 3,940 |
| Earnings coverage of net charge-offs (x) | 1.7272% | 4,473 |
| Efficiency ratio | 81.2997% | 1,978 |
| Assets per employee ($millions) | 3.8388% | 4,182 |
| Cash dividends to net income (ytd only)* | 117.4461% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5720% | 2,876 |
| Loan loss allowance to noncurrent loans | 85.9945% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.2167% | 2,969 |
| Noncurrent loans to loans | 1.8280% | 2,199 |
| Net loans and leases to total assets | 56.1953% | 4,288 |
| Net loans and leases to deposits | 71.1990% | 3,628 |
| Net loans and leases to core deposits | 87.5197% | 2,291 |
| Total domestic deposits to total assets | 78.9271% | 5,666 |
| Equity capital to assets | 10.4320% | 3,247 |
| Core capital (leverage) ratio | 10.7586% | 2,615 |
| Tier 1 risk-based capital ratio | 16.5606% | 2,819 |
| Total risk-based capital ratio | 17.8125% | 2,788 |
| Memoranda: | ||
| Average total assets | $957,083,600 | 689 |
| Average earning assets | $879,872,200 | 684 |
| Average equity | $107,006,000 | 660 |
| Average total loans | $541,704,200 | 776 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1551% | 3,550 |
| Cost of funding earning assets | 1.1595% | 235 |
| Net interest margin | 2.9956% | 5,606 |
| Noninterest income to average assets | 0.7722% | 2,271 |
| Noninterest expense to average assets | 2.9183% | 3,241 |
| Loan and lease loss provision to assets | 0.1687% | 2,153 |
| Net operating income to assets | 0.3411% | 5,462 |
| Return on assets (ROA) | 0.4703% | 5,077 |
| Pretax return on assets | 0.6181% | 4,956 |
| Return on Equity (ROE) | 4.1364% | 5,156 |
| Retained earnings to average equity (ytd only) | -2.6204% | 6,327 |
| Net charge-offs to loans | 0.6030% | 1,037 |
| Credit loss provision to net charge-offs | 49.5488% | 3,514 |
| Earnings coverage of net charge-offs (x) | 1.8113% | 4,231 |
| Efficiency ratio | 82.0373% | 1,824 |
| Assets per employee ($millions) | 3.5032% | 4,842 |
| Cash dividends to net income (ytd only)* | 163.3502% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7395% | 2,491 |
| Loan loss allowance to noncurrent loans | 77.6550% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.4612% | 2,753 |
| Noncurrent loans to loans | 2.2400% | 1,969 |
| Net loans and leases to total assets | 57.3070% | 4,121 |
| Net loans and leases to deposits | 73.1023% | 3,380 |
| Net loans and leases to core deposits | 89.2748% | 2,046 |
| Total domestic deposits to total assets | 78.3929% | 5,845 |
| Equity capital to assets | 10.8998% | 2,861 |
| Core capital (leverage) ratio | 10.7068% | 2,781 |
| Tier 1 risk-based capital ratio | 17.0929% | 2,669 |
| Total risk-based capital ratio | 18.3457% | 2,632 |
| Memoranda: | ||
| Average total assets | $954,511,500 | 692 |
| Average earning assets | $880,366,250 | 683 |
| Average equity | $108,528,500 | 659 |
| Average total loans | $539,055,250 | 780 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 3,474 |
| Cost of funding earning assets | 1.2041% | 210 |
| Net interest margin | 2.9659% | 5,658 |
| Noninterest income to average assets | 0.7558% | 2,389 |
| Noninterest expense to average assets | 2.9052% | 3,311 |
| Loan and lease loss provision to assets | 0.1624% | 2,298 |
| Net operating income to assets | 0.3220% | 5,514 |
| Return on assets (ROA) | 0.5455% | 4,741 |
| Pretax return on assets | 0.7153% | 4,636 |
| Return on Equity (ROE) | 4.7344% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.7344% | 3,237 |
| Net charge-offs to loans | 0.7546% | 851 |
| Credit loss provision to net charge-offs | 38.5032% | 3,444 |
| Earnings coverage of net charge-offs (x) | 1.3840% | 4,080 |
| Efficiency ratio | 82.6936% | 1,799 |
| Assets per employee ($millions) | 3.5464% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 2,603 |
| Loan loss allowance to noncurrent loans | 79.5784% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.4197% | 2,970 |
| Noncurrent loans to loans | 2.1967% | 2,181 |
| Net loans and leases to total assets | 55.7911% | 4,331 |
| Net loans and leases to deposits | 71.0660% | 3,575 |
| Net loans and leases to core deposits | 87.5919% | 2,158 |
| Total domestic deposits to total assets | 78.5060% | 5,878 |
| Equity capital to assets | 11.3059% | 2,458 |
| Core capital (leverage) ratio | 11.0431% | 2,313 |
| Tier 1 risk-based capital ratio | 17.8907% | 2,355 |
| Total risk-based capital ratio | 19.1414% | 2,325 |
| Memoranda: | ||
| Average total assets | $963,233,000 | 686 |
| Average earning assets | $887,635,000 | 675 |
| Average equity | $110,975,330 | 644 |
| Average total loans | $538,265,000 | 776 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2131% | 3,252 |
| Cost of funding earning assets | 1.2237% | 209 |
| Net interest margin | 2.9894% | 5,600 |
| Noninterest income to average assets | 0.7083% | 2,547 |
| Noninterest expense to average assets | 2.9294% | 3,232 |
| Loan and lease loss provision to assets | 0.1548% | 2,319 |
| Net operating income to assets | 0.2879% | 5,606 |
| Return on assets (ROA) | 0.4867% | 4,895 |
| Pretax return on assets | 0.6304% | 4,841 |
| Return on Equity (ROE) | 4.1864% | 5,001 |
| Retained earnings to average equity (ytd only) | 4.1864% | 3,708 |
| Net charge-offs to loans | 0.3305% | 1,648 |
| Credit loss provision to net charge-offs | 84.4944% | 2,103 |
| Earnings coverage of net charge-offs (x) | 2.8764% | 2,910 |
| Efficiency ratio | 84.1673% | 1,745 |
| Assets per employee ($millions) | 3.7483% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9537% | 2,165 |
| Loan loss allowance to noncurrent loans | 150.3553% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.8705% | 4,205 |
| Noncurrent loans to loans | 1.2994% | 3,613 |
| Net loans and leases to total assets | 54.2688% | 4,360 |
| Net loans and leases to deposits | 68.2373% | 3,751 |
| Net loans and leases to core deposits | 83.4615% | 2,396 |
| Total domestic deposits to total assets | 79.5296% | 5,865 |
| Equity capital to assets | 11.5240% | 2,388 |
| Core capital (leverage) ratio | 10.5931% | 2,660 |
| Tier 1 risk-based capital ratio | 17.7769% | 2,452 |
| Total risk-based capital ratio | 19.0339% | 2,412 |
| Memoranda: | ||
| Average total assets | $971,407,500 | 684 |
| Average earning assets | $893,029,500 | 674 |
| Average equity | $112,936,000 | 642 |
| Average total loans | $538,559,500 | 780 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 3,579 |
| Cost of funding earning assets | 1.5297% | 147 |
| Net interest margin | 2.9276% | 6,178 |
| Noninterest income to average assets | 0.7121% | 2,659 |
| Noninterest expense to average assets | 2.7385% | 4,258 |
| Loan and lease loss provision to assets | 0.2269% | 2,864 |
| Net operating income to assets | 0.3602% | 5,250 |
| Return on assets (ROA) | 0.4962% | 4,956 |
| Pretax return on assets | 0.6143% | 4,955 |
| Return on Equity (ROE) | 4.3477% | 4,999 |
| Retained earnings to average equity (ytd only) | -0.8958% | 6,000 |
| Net charge-offs to loans | 0.5227% | 2,161 |
| Credit loss provision to net charge-offs | 78.7470% | 3,868 |
| Earnings coverage of net charge-offs (x) | 2.3368% | 4,245 |
| Efficiency ratio | 79.6007% | 2,195 |
| Assets per employee ($millions) | 3.6397% | 4,690 |
| Cash dividends to net income (ytd only)* | 120.6030% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9879% | 2,043 |
| Loan loss allowance to noncurrent loans | 138.9534% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.9546% | 4,118 |
| Noncurrent loans to loans | 1.4307% | 3,451 |
| Net loans and leases to total assets | 54.4294% | 4,562 |
| Net loans and leases to deposits | 69.0527% | 3,829 |
| Net loans and leases to core deposits | 85.3180% | 2,396 |
| Total domestic deposits to total assets | 78.8230% | 5,928 |
| Equity capital to assets | 11.7295% | 2,239 |
| Core capital (leverage) ratio | 10.6173% | 2,638 |
| Tier 1 risk-based capital ratio | 17.8115% | 2,327 |
| Total risk-based capital ratio | 19.0689% | 2,300 |
| Memoranda: | ||
| Average total assets | $1,002,610,600 | 660 |
| Average earning assets | $924,551,800 | 650 |
| Average equity | $114,427,800 | 629 |
| Average total loans | $552,737,000 | 754 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4849% | 3,697 |
| Cost of funding earning assets | 1.5925% | 132 |
| Net interest margin | 2.8924% | 6,373 |
| Noninterest income to average assets | 0.6754% | 2,845 |
| Noninterest expense to average assets | 2.7195% | 4,291 |
| Loan and lease loss provision to assets | 0.2338% | 2,704 |
| Net operating income to assets | 0.3062% | 5,593 |
| Return on assets (ROA) | 0.4737% | 5,201 |
| Pretax return on assets | 0.6058% | 5,147 |
| Return on Equity (ROE) | 4.1782% | 5,213 |
| Retained earnings to average equity (ytd only) | 4.1782% | 3,957 |
| Net charge-offs to loans | 0.6097% | 1,803 |
| Credit loss provision to net charge-offs | 69.6898% | 3,913 |
| Earnings coverage of net charge-offs (x) | 1.8626% | 4,330 |
| Efficiency ratio | 80.6129% | 1,999 |
| Assets per employee ($millions) | 3.6724% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8977% | 2,486 |
| Loan loss allowance to noncurrent loans | 83.3400% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.3531% | 3,592 |
| Noncurrent loans to loans | 2.2771% | 2,532 |
| Net loans and leases to total assets | 55.3048% | 4,553 |
| Net loans and leases to deposits | 70.4361% | 3,836 |
| Net loans and leases to core deposits | 88.2243% | 2,194 |
| Total domestic deposits to total assets | 78.5176% | 5,962 |
| Equity capital to assets | 12.0687% | 2,197 |
| Core capital (leverage) ratio | 10.9108% | 2,474 |
| Tier 1 risk-based capital ratio | 18.4610% | 2,180 |
| Total risk-based capital ratio | 19.7180% | 2,143 |
| Memoranda: | ||
| Average total assets | $1,012,134,000 | 663 |
| Average earning assets | $933,954,500 | 642 |
| Average equity | $114,751,500 | 626 |
| Average total loans | $557,014,000 | 748 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5092% | 3,726 |
| Cost of funding earning assets | 1.5359% | 205 |
| Net interest margin | 2.9734% | 6,288 |
| Noninterest income to average assets | 0.6583% | 2,904 |
| Noninterest expense to average assets | 2.7164% | 4,341 |
| Loan and lease loss provision to assets | 0.2482% | 2,584 |
| Net operating income to assets | 0.3473% | 5,444 |
| Return on assets (ROA) | 0.4533% | 5,261 |
| Pretax return on assets | 0.5773% | 5,220 |
| Return on Equity (ROE) | 4.0826% | 5,225 |
| Retained earnings to average equity (ytd only) | 4.0826% | 3,889 |
| Net charge-offs to loans | 0.7034% | 1,576 |
| Credit loss provision to net charge-offs | 64.6130% | 3,699 |
| Earnings coverage of net charge-offs (x) | 1.7999% | 4,078 |
| Efficiency ratio | 78.9670% | 2,330 |
| Assets per employee ($millions) | 3.8232% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9182% | 2,488 |
| Loan loss allowance to noncurrent loans | 87.1937% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.3343% | 3,772 |
| Noncurrent loans to loans | 2.1999% | 2,717 |
| Net loans and leases to total assets | 53.5324% | 4,876 |
| Net loans and leases to deposits | 68.7027% | 4,090 |
| Net loans and leases to core deposits | 85.8893% | 2,443 |
| Total domestic deposits to total assets | 77.9188% | 6,169 |
| Equity capital to assets | 11.4844% | 2,609 |
| Core capital (leverage) ratio | 10.4685% | 2,836 |
| Tier 1 risk-based capital ratio | 17.9049% | 2,324 |
| Total risk-based capital ratio | 19.1614% | 2,290 |
| Memoranda: | ||
| Average total assets | $1,022,665,670 | 650 |
| Average earning assets | $945,665,000 | 634 |
| Average equity | $113,556,000 | 632 |
| Average total loans | $558,427,000 | 751 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 3,635 |
| Cost of funding earning assets | 1.5608% | 222 |
| Net interest margin | 3.0104% | 6,275 |
| Noninterest income to average assets | 0.6066% | 3,187 |
| Noninterest expense to average assets | 2.6549% | 4,601 |
| Loan and lease loss provision to assets | 0.3377% | 1,854 |
| Net operating income to assets | 0.3258% | 5,569 |
| Return on assets (ROA) | 0.3400% | 5,691 |
| Pretax return on assets | 0.4073% | 5,704 |
| Return on Equity (ROE) | 3.1145% | 5,675 |
| Retained earnings to average equity (ytd only) | 3.1145% | 4,695 |
| Net charge-offs to loans | 1.0829% | 953 |
| Credit loss provision to net charge-offs | 57.0959% | 3,171 |
| Earnings coverage of net charge-offs (x) | 1.2306% | 3,721 |
| Efficiency ratio | 77.7369% | 2,531 |
| Assets per employee ($millions) | 4.0480% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8905% | 2,704 |
| Loan loss allowance to noncurrent loans | 94.5881% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.1963% | 4,128 |
| Noncurrent loans to loans | 1.9987% | 3,170 |
| Net loans and leases to total assets | 53.1278% | 4,865 |
| Net loans and leases to deposits | 67.5998% | 4,131 |
| Net loans and leases to core deposits | 84.5940% | 2,465 |
| Total domestic deposits to total assets | 78.5917% | 6,165 |
| Equity capital to assets | 10.8887% | 3,043 |
| Core capital (leverage) ratio | 10.0510% | 3,309 |
| Tier 1 risk-based capital ratio | 17.2998% | 2,553 |
| Total risk-based capital ratio | 18.5562% | 2,523 |
| Memoranda: | ||
| Average total assets | $1,029,335,500 | 648 |
| Average earning assets | $949,228,000 | 635 |
| Average equity | $112,376,500 | 636 |
| Average total loans | $562,199,000 | 742 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8596% | 3,544 |
| Cost of funding earning assets | 1.8529% | 179 |
| Net interest margin | 3.0067% | 6,523 |
| Noninterest income to average assets | 0.6766% | 2,746 |
| Noninterest expense to average assets | 2.7220% | 4,659 |
| Loan and lease loss provision to assets | 0.5343% | 1,965 |
| Net operating income to assets | 0.1365% | 5,772 |
| Return on assets (ROA) | 0.3614% | 5,192 |
| Pretax return on assets | 0.4464% | 5,140 |
| Return on Equity (ROE) | 3.5924% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.5924% | 3,660 |
| Net charge-offs to loans | 0.6941% | 2,421 |
| Credit loss provision to net charge-offs | 137.9950% | 2,149 |
| Earnings coverage of net charge-offs (x) | 1.8156% | 4,423 |
| Efficiency ratio | 78.6568% | 2,505 |
| Assets per employee ($millions) | 3.9627% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 5,041 |
| Loan loss allowance to noncurrent loans | 117.1806% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 4,989 |
| Noncurrent loans to loans | 1.0882% | 4,538 |
| Net loans and leases to total assets | 54.3877% | 4,979 |
| Net loans and leases to deposits | 69.4844% | 4,198 |
| Net loans and leases to core deposits | 89.1617% | 2,233 |
| Total domestic deposits to total assets | 78.2732% | 6,145 |
| Equity capital to assets | 10.9464% | 3,030 |
| Core capital (leverage) ratio | 10.1785% | 3,121 |
| Tier 1 risk-based capital ratio | 16.4866% | 2,829 |
| Total risk-based capital ratio | 17.6343% | 2,842 |
| Memoranda: | ||
| Average total assets | $1,043,340,400 | 634 |
| Average earning assets | $953,740,600 | 619 |
| Average equity | $104,971,600 | 655 |
| Average total loans | $582,009,400 | 725 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 3,523 |
| Cost of funding earning assets | 1.9235% | 161 |
| Net interest margin | 2.9833% | 6,614 |
| Noninterest income to average assets | 0.6726% | 2,757 |
| Noninterest expense to average assets | 2.7934% | 4,366 |
| Loan and lease loss provision to assets | 0.6612% | 1,467 |
| Net operating income to assets | -0.0431% | 6,211 |
| Return on assets (ROA) | 0.1438% | 5,977 |
| Pretax return on assets | 0.2300% | 5,845 |
| Return on Equity (ROE) | 1.4607% | 5,951 |
| Retained earnings to average equity (ytd only) | 1.4607% | 5,411 |
| Net charge-offs to loans | 0.7522% | 2,058 |
| Credit loss provision to net charge-offs | 157.0997% | 1,976 |
| Earnings coverage of net charge-offs (x) | 1.4236% | 4,561 |
| Efficiency ratio | 81.4887% | 2,043 |
| Assets per employee ($millions) | 4.2031% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 4,984 |
| Loan loss allowance to noncurrent loans | 176.8416% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 5,062 |
| Noncurrent loans to loans | 0.7385% | 5,401 |
| Net loans and leases to total assets | 54.6993% | 5,053 |
| Net loans and leases to deposits | 69.9224% | 4,314 |
| Net loans and leases to core deposits | 91.1200% | 2,104 |
| Total domestic deposits to total assets | 78.2285% | 6,147 |
| Equity capital to assets | 10.4612% | 3,759 |
| Core capital (leverage) ratio | 9.7538% | 3,767 |
| Tier 1 risk-based capital ratio | 15.9126% | 3,162 |
| Total risk-based capital ratio | 17.1028% | 3,150 |
| Memoranda: | ||
| Average total assets | $1,048,580,750 | 636 |
| Average earning assets | $956,019,500 | 629 |
| Average equity | $103,236,000 | 670 |
| Average total loans | $586,704,250 | 720 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9557% | 3,380 |
| Cost of funding earning assets | 1.9650% | 161 |
| Net interest margin | 2.9907% | 6,625 |
| Noninterest income to average assets | 0.6304% | 2,946 |
| Noninterest expense to average assets | 2.8158% | 4,363 |
| Loan and lease loss provision to assets | 0.9173% | 977 |
| Net operating income to assets | -0.2590% | 6,523 |
| Return on assets (ROA) | -0.1253% | 6,430 |
| Pretax return on assets | -0.1871% | 6,446 |
| Return on Equity (ROE) | -1.2992% | 6,443 |
| Retained earnings to average equity (ytd only) | -1.2992% | 6,119 |
| Net charge-offs to loans | 1.3386% | 1,143 |
| Credit loss provision to net charge-offs | 122.0901% | 2,496 |
| Earnings coverage of net charge-offs (x) | 0.7062% | 4,767 |
| Efficiency ratio | 83.2245% | 1,919 |
| Assets per employee ($millions) | 4.3612% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 5,871 |
| Loan loss allowance to noncurrent loans | 158.1299% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 1.3558% | 4,197 |
| Noncurrent loans to loans | 0.7086% | 5,490 |
| Net loans and leases to total assets | 54.8329% | 5,172 |
| Net loans and leases to deposits | 69.8919% | 4,456 |
| Net loans and leases to core deposits | 93.6103% | 1,946 |
| Total domestic deposits to total assets | 78.4538% | 6,198 |
| Equity capital to assets | 9.9135% | 4,260 |
| Core capital (leverage) ratio | 9.5037% | 3,952 |
| Tier 1 risk-based capital ratio | 15.4124% | 3,287 |
| Total risk-based capital ratio | 16.4248% | 3,370 |
| Memoranda: | ||
| Average total assets | $1,052,053,670 | 641 |
| Average earning assets | $955,428,670 | 636 |
| Average equity | $101,446,670 | 679 |
| Average total loans | $590,478,670 | 724 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9310% | 3,413 |
| Cost of funding earning assets | 1.9993% | 167 |
| Net interest margin | 2.9317% | 6,700 |
| Noninterest income to average assets | 0.6006% | 3,161 |
| Noninterest expense to average assets | 2.7817% | 4,520 |
| Loan and lease loss provision to assets | 1.6841% | 358 |
| Net operating income to assets | -0.7917% | 6,958 |
| Return on assets (ROA) | -0.6116% | 6,876 |
| Pretax return on assets | -0.9268% | 6,972 |
| Return on Equity (ROE) | -6.4315% | 6,889 |
| Retained earnings to average equity (ytd only) | -6.4315% | 6,629 |
| Net charge-offs to loans | 1.7663% | 741 |
| Credit loss provision to net charge-offs | 168.8805% | 1,709 |
| Earnings coverage of net charge-offs (x) | 0.4858% | 4,255 |
| Efficiency ratio | 84.2294% | 1,927 |
| Assets per employee ($millions) | 4.3883% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 5,350 |
| Loan loss allowance to noncurrent loans | 121.4321% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 1.4333% | 4,121 |
| Noncurrent loans to loans | 1.0357% | 4,988 |
| Net loans and leases to total assets | 55.1203% | 5,139 |
| Net loans and leases to deposits | 69.5854% | 4,413 |
| Net loans and leases to core deposits | 92.9699% | 2,014 |
| Total domestic deposits to total assets | 79.2124% | 6,143 |
| Equity capital to assets | 9.4378% | 4,521 |
| Core capital (leverage) ratio | 9.2808% | 4,151 |
| Tier 1 risk-based capital ratio | 15.2291% | 3,302 |
| Total risk-based capital ratio | 16.3832% | 3,314 |
| Memoranda: | ||
| Average total assets | $1,056,920,500 | 639 |
| Average earning assets | $960,935,000 | 639 |
| Average equity | $100,505,000 | 679 |
| Average total loans | $596,712,500 | 725 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3954% | 2,692 |
| Cost of funding earning assets | 2.2018% | 303 |
| Net interest margin | 3.1936% | 6,281 |
| Noninterest income to average assets | 0.6744% | 2,996 |
| Noninterest expense to average assets | 2.4773% | 5,869 |
| Loan and lease loss provision to assets | 0.5278% | 3,038 |
| Net operating income to assets | 0.4323% | 4,401 |
| Return on assets (ROA) | 0.6924% | 3,388 |
| Pretax return on assets | 0.9703% | 3,027 |
| Return on Equity (ROE) | 7.5043% | 2,895 |
| Retained earnings to average equity (ytd only) | 6.7396% | 1,436 |
| Net charge-offs to loans | 1.1633% | 1,918 |
| Credit loss provision to net charge-offs | 76.2125% | 5,691 |
| Earnings coverage of net charge-offs (x) | 1.6343% | 4,513 |
| Efficiency ratio | 67.7137% | 4,621 |
| Assets per employee ($millions) | 4.2769% | 3,253 |
| Cash dividends to net income (ytd only)* | 10.1902% | 3,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 6,681 |
| Loan loss allowance to noncurrent loans | 110.2187% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 1.3988% | 4,245 |
| Noncurrent loans to loans | 0.8307% | 5,392 |
| Net loans and leases to total assets | 56.5658% | 5,250 |
| Net loans and leases to deposits | 72.5330% | 4,423 |
| Net loans and leases to core deposits | 97.4275% | 1,849 |
| Total domestic deposits to total assets | 77.9862% | 6,316 |
| Equity capital to assets | 9.5802% | 4,299 |
| Core capital (leverage) ratio | 9.3664% | 3,901 |
| Tier 1 risk-based capital ratio | 15.3653% | 3,061 |
| Total risk-based capital ratio | 16.2248% | 3,219 |
| Memoranda: | ||
| Average total assets | $1,062,977,800 | 633 |
| Average earning assets | $976,772,800 | 612 |
| Average equity | $98,077,400 | 686 |
| Average total loans | $632,754,800 | 699 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4675% | 2,569 |
| Cost of funding earning assets | 2.2486% | 324 |
| Net interest margin | 3.2189% | 6,278 |
| Noninterest income to average assets | 0.6684% | 3,020 |
| Noninterest expense to average assets | 2.4635% | 5,840 |
| Loan and lease loss provision to assets | 0.3165% | 4,049 |
| Net operating income to assets | 0.6020% | 3,872 |
| Return on assets (ROA) | 0.7958% | 3,181 |
| Pretax return on assets | 1.1268% | 2,746 |
| Return on Equity (ROE) | 8.7082% | 2,599 |
| Retained earnings to average equity (ytd only) | 7.6793% | 1,526 |
| Net charge-offs to loans | 0.7778% | 2,489 |
| Credit loss provision to net charge-offs | 67.6762% | 5,484 |
| Earnings coverage of net charge-offs (x) | 2.5023% | 3,919 |
| Efficiency ratio | 66.8438% | 4,689 |
| Assets per employee ($millions) | 4.5566% | 2,826 |
| Cash dividends to net income (ytd only)* | 11.8148% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 6,577 |
| Loan loss allowance to noncurrent loans | 50.1476% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 1.3196% | 4,508 |
| Noncurrent loans to loans | 1.8906% | 3,813 |
| Net loans and leases to total assets | 56.5488% | 5,476 |
| Net loans and leases to deposits | 74.6129% | 4,412 |
| Net loans and leases to core deposits | 100.9502% | 1,754 |
| Total domestic deposits to total assets | 75.7895% | 6,692 |
| Equity capital to assets | 9.8926% | 4,300 |
| Core capital (leverage) ratio | 9.0567% | 4,594 |
| Tier 1 risk-based capital ratio | 14.9596% | 3,268 |
| Total risk-based capital ratio | 15.8668% | 3,420 |
| Memoranda: | ||
| Average total assets | $1,063,557,500 | 624 |
| Average earning assets | $979,803,250 | 606 |
| Average equity | $97,193,500 | 691 |
| Average total loans | $639,565,000 | 693 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5577% | 2,299 |
| Cost of funding earning assets | 2.3085% | 329 |
| Net interest margin | 3.2492% | 6,172 |
| Noninterest income to average assets | 0.6871% | 2,774 |
| Noninterest expense to average assets | 2.4404% | 5,942 |
| Loan and lease loss provision to assets | 0.2471% | 4,456 |
| Net operating income to assets | 0.6994% | 3,410 |
| Return on assets (ROA) | 0.8226% | 3,016 |
| Pretax return on assets | 1.1646% | 2,537 |
| Return on Equity (ROE) | 9.2675% | 2,359 |
| Retained earnings to average equity (ytd only) | 7.6612% | 1,572 |
| Net charge-offs to loans | 0.6878% | 2,499 |
| Credit loss provision to net charge-offs | 58.7173% | 5,234 |
| Earnings coverage of net charge-offs (x) | 2.9417% | 3,524 |
| Efficiency ratio | 65.3385% | 5,095 |
| Assets per employee ($millions) | 4.5554% | 2,782 |
| Cash dividends to net income (ytd only)* | 17.3330% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 6,513 |
| Loan loss allowance to noncurrent loans | 58.8393% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.1930% | 4,751 |
| Noncurrent loans to loans | 1.6516% | 4,225 |
| Net loans and leases to total assets | 57.8414% | 5,443 |
| Net loans and leases to deposits | 74.2279% | 4,641 |
| Net loans and leases to core deposits | 99.9579% | 2,021 |
| Total domestic deposits to total assets | 77.9241% | 6,288 |
| Equity capital to assets | 9.6056% | 4,537 |
| Core capital (leverage) ratio | 8.9143% | 4,732 |
| Tier 1 risk-based capital ratio | 14.1973% | 3,607 |
| Total risk-based capital ratio | 15.1082% | 3,796 |
| Memoranda: | ||
| Average total assets | $1,052,027,000 | 633 |
| Average earning assets | $968,600,000 | 615 |
| Average equity | $93,379,670 | 707 |
| Average total loans | $643,775,330 | 690 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5421% | 2,397 |
| Cost of funding earning assets | 2.3738% | 329 |
| Net interest margin | 3.1684% | 6,388 |
| Noninterest income to average assets | 0.6371% | 3,024 |
| Noninterest expense to average assets | 2.4685% | 5,841 |
| Loan and lease loss provision to assets | 0.2027% | 4,473 |
| Net operating income to assets | 0.6254% | 3,775 |
| Return on assets (ROA) | 0.7838% | 3,155 |
| Pretax return on assets | 1.1004% | 2,728 |
| Return on Equity (ROE) | 9.2275% | 2,416 |
| Retained earnings to average equity (ytd only) | 5.8183% | 2,703 |
| Net charge-offs to loans | 0.4955% | 2,576 |
| Credit loss provision to net charge-offs | 65.2985% | 4,195 |
| Earnings coverage of net charge-offs (x) | 3.4789% | 2,897 |
| Efficiency ratio | 68.5092% | 4,628 |
| Assets per employee ($millions) | 4.3276% | 3,246 |
| Cash dividends to net income (ytd only)* | 36.9458% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 6,165 |
| Loan loss allowance to noncurrent loans | 60.7961% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.3414% | 4,506 |
| Noncurrent loans to loans | 1.7496% | 4,126 |
| Net loans and leases to total assets | 61.3182% | 4,894 |
| Net loans and leases to deposits | 78.5277% | 3,937 |
| Net loans and leases to core deposits | 109.4390% | 1,319 |
| Total domestic deposits to total assets | 78.0848% | 6,295 |
| Equity capital to assets | 8.5088% | 5,990 |
| Core capital (leverage) ratio | 8.0178% | 6,212 |
| Tier 1 risk-based capital ratio | 12.2427% | 4,949 |
| Total risk-based capital ratio | 13.2547% | 5,154 |
| Memoranda: | ||
| Average total assets | $1,035,942,000 | 656 |
| Average earning assets | $951,906,500 | 641 |
| Average equity | $87,997,500 | 751 |
| Average total loans | $649,028,500 | 701 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7713% | 2,778 |
| Cost of funding earning assets | 2.7760% | 479 |
| Net interest margin | 2.9953% | 6,660 |
| Noninterest income to average assets | 0.7027% | 2,951 |
| Noninterest expense to average assets | 3.0662% | 3,886 |
| Loan and lease loss provision to assets | 0.3714% | 4,557 |
| Net operating income to assets | 0.0358% | 5,373 |
| Return on assets (ROA) | 0.2648% | 4,746 |
| Pretax return on assets | 0.3447% | 4,657 |
| Return on Equity (ROE) | 3.0920% | 4,462 |
| Retained earnings to average equity (ytd only) | 3.0920% | 2,996 |
| Net charge-offs to loans | 0.4460% | 4,004 |
| Credit loss provision to net charge-offs | 129.2351% | 3,978 |
| Earnings coverage of net charge-offs (x) | 1.4569% | 4,668 |
| Efficiency ratio | 71.7372% | 4,312 |
| Assets per employee ($millions) | 4.2692% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 5,831 |
| Loan loss allowance to noncurrent loans | 64.5553% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.2729% | 4,542 |
| Noncurrent loans to loans | 1.7272% | 4,047 |
| Net loans and leases to total assets | 62.6334% | 4,882 |
| Net loans and leases to deposits | 80.7851% | 3,843 |
| Net loans and leases to core deposits | 125.9536% | 1,516 |
| Total domestic deposits to total assets | 77.5308% | 6,345 |
| Equity capital to assets | 8.4798% | 5,912 |
| Core capital (leverage) ratio | 8.0544% | 6,078 |
| Tier 1 risk-based capital ratio | 12.2089% | 4,761 |
| Total risk-based capital ratio | 13.2844% | 4,875 |
| Memoranda: | ||
| Average total assets | $996,213,000 | 671 |
| Average earning assets | $925,356,400 | 658 |
| Average equity | $85,317,600 | 752 |
| Average total loans | $641,957,600 | 732 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8066% | 2,861 |
| Cost of funding earning assets | 2.8504% | 524 |
| Net interest margin | 2.9562% | 6,720 |
| Noninterest income to average assets | 0.7061% | 2,980 |
| Noninterest expense to average assets | 3.2921% | 2,948 |
| Loan and lease loss provision to assets | 0.3977% | 3,927 |
| Net operating income to assets | -0.2003% | 6,063 |
| Return on assets (ROA) | 0.0363% | 5,679 |
| Pretax return on assets | 0.0116% | 5,680 |
| Return on Equity (ROE) | 0.4223% | 5,658 |
| Retained earnings to average equity (ytd only) | 0.4223% | 5,023 |
| Net charge-offs to loans | 0.2597% | 4,424 |
| Credit loss provision to net charge-offs | 236.5678% | 1,849 |
| Earnings coverage of net charge-offs (x) | 1.0273% | 5,024 |
| Efficiency ratio | 73.4477% | 3,968 |
| Assets per employee ($millions) | 4.3449% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 4,942 |
| Loan loss allowance to noncurrent loans | 111.0851% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.8593% | 5,369 |
| Noncurrent loans to loans | 1.1094% | 5,097 |
| Net loans and leases to total assets | 63.6707% | 4,935 |
| Net loans and leases to deposits | 84.5298% | 3,560 |
| Net loans and leases to core deposits | 133.0198% | 1,265 |
| Total domestic deposits to total assets | 75.3233% | 6,714 |
| Equity capital to assets | 8.5547% | 6,178 |
| Core capital (leverage) ratio | 7.8935% | 6,510 |
| Tier 1 risk-based capital ratio | 11.9640% | 5,011 |
| Total risk-based capital ratio | 13.1768% | 4,977 |
| Memoranda: | ||
| Average total assets | $989,116,500 | 686 |
| Average earning assets | $923,044,000 | 672 |
| Average equity | $84,926,000 | 761 |
| Average total loans | $640,202,750 | 748 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8346% | 2,881 |
| Cost of funding earning assets | 2.9072% | 598 |
| Net interest margin | 2.9274% | 6,742 |
| Noninterest income to average assets | 0.6923% | 3,038 |
| Noninterest expense to average assets | 2.5931% | 5,766 |
| Loan and lease loss provision to assets | 0.3470% | 3,843 |
| Net operating income to assets | 0.3331% | 4,748 |
| Return on assets (ROA) | 0.5562% | 3,972 |
| Pretax return on assets | 0.8019% | 3,667 |
| Return on Equity (ROE) | 6.4694% | 3,451 |
| Retained earnings to average equity (ytd only) | 6.4694% | 1,810 |
| Net charge-offs to loans | 0.1634% | 4,573 |
| Credit loss provision to net charge-offs | 327.5530% | 1,423 |
| Earnings coverage of net charge-offs (x) | 7.7938% | 2,383 |
| Efficiency ratio | 73.4149% | 4,124 |
| Assets per employee ($millions) | 4.3669% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 5,251 |
| Loan loss allowance to noncurrent loans | 93.1753% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.8902% | 5,203 |
| Noncurrent loans to loans | 1.2375% | 4,738 |
| Net loans and leases to total assets | 63.9447% | 4,996 |
| Net loans and leases to deposits | 85.5829% | 3,625 |
| Net loans and leases to core deposits | 131.2814% | 1,465 |
| Total domestic deposits to total assets | 74.7167% | 6,818 |
| Equity capital to assets | 8.5544% | 5,970 |
| Core capital (leverage) ratio | 7.7974% | 6,617 |
| Tier 1 risk-based capital ratio | 11.8667% | 5,027 |
| Total risk-based capital ratio | 13.0114% | 5,057 |
| Memoranda: | ||
| Average total assets | $979,917,330 | 708 |
| Average earning assets | $912,618,330 | 689 |
| Average equity | $84,242,330 | 780 |
| Average total loans | $635,128,330 | 769 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8663% | 2,956 |
| Cost of funding earning assets | 2.9637% | 661 |
| Net interest margin | 2.9026% | 6,737 |
| Noninterest income to average assets | 0.6687% | 3,083 |
| Noninterest expense to average assets | 2.4723% | 5,944 |
| Loan and lease loss provision to assets | 0.3704% | 3,106 |
| Net operating income to assets | 0.3617% | 5,010 |
| Return on assets (ROA) | 0.5679% | 4,344 |
| Pretax return on assets | 0.8238% | 3,990 |
| Return on Equity (ROE) | 6.5889% | 3,788 |
| Retained earnings to average equity (ytd only) | 6.5889% | 2,382 |
| Net charge-offs to loans | 0.2721% | 3,035 |
| Credit loss provision to net charge-offs | 209.7902% | 2,140 |
| Earnings coverage of net charge-offs (x) | 5.0723% | 2,752 |
| Efficiency ratio | 70.9189% | 4,390 |
| Assets per employee ($millions) | 4.1704% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 5,714 |
| Loan loss allowance to noncurrent loans | 101.0278% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 5,231 |
| Noncurrent loans to loans | 1.0546% | 4,878 |
| Net loans and leases to total assets | 63.0589% | 5,150 |
| Net loans and leases to deposits | 83.9856% | 3,987 |
| Net loans and leases to core deposits | 130.6975% | 1,617 |
| Total domestic deposits to total assets | 75.0830% | 6,696 |
| Equity capital to assets | 8.6433% | 5,854 |
| Core capital (leverage) ratio | 7.7416% | 6,833 |
| Tier 1 risk-based capital ratio | 11.8538% | 5,078 |
| Total risk-based capital ratio | 12.9039% | 5,166 |
| Memoranda: | ||
| Average total assets | $972,048,500 | 716 |
| Average earning assets | $903,872,500 | 697 |
| Average equity | $83,777,500 | 786 |
| Average total loans | $630,644,500 | 791 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3952% | 3,445 |
| Cost of funding earning assets | 3.3174% | 873 |
| Net interest margin | 3.0778% | 6,713 |
| Noninterest income to average assets | 0.8497% | 2,233 |
| Noninterest expense to average assets | 2.6432% | 5,476 |
| Loan and lease loss provision to assets | 0.2269% | 4,619 |
| Net operating income to assets | 0.5583% | 4,489 |
| Return on assets (ROA) | 0.6274% | 4,043 |
| Pretax return on assets | 0.9001% | 3,720 |
| Return on Equity (ROE) | 7.7918% | 3,154 |
| Retained earnings to average equity (ytd only) | 4.8642% | 2,102 |
| Net charge-offs to loans | 0.1306% | 4,927 |
| Credit loss provision to net charge-offs | 243.0556% | 1,918 |
| Earnings coverage of net charge-offs (x) | 11.0164% | 2,426 |
| Efficiency ratio | 69.2690% | 4,485 |
| Assets per employee ($millions) | 4.0846% | 3,334 |
| Cash dividends to net income (ytd only)* | 37.5728% | 3,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 6,279 |
| Loan loss allowance to noncurrent loans | 83.7590% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 0.8503% | 4,722 |
| Noncurrent loans to loans | 1.1548% | 4,223 |
| Net loans and leases to total assets | 65.4079% | 4,969 |
| Net loans and leases to deposits | 88.0267% | 3,801 |
| Net loans and leases to core deposits | 123.6582% | 2,345 |
| Total domestic deposits to total assets | 74.3046% | 6,600 |
| Equity capital to assets | 8.5933% | 5,946 |
| Core capital (leverage) ratio | 7.7652% | 6,847 |
| Tier 1 risk-based capital ratio | 11.6713% | 5,081 |
| Total risk-based capital ratio | 12.6402% | 5,245 |
| Memoranda: | ||
| Average total assets | $848,438,200 | 802 |
| Average earning assets | $777,892,400 | 794 |
| Average equity | $68,315,000 | 980 |
| Average total loans | $606,384,800 | 787 |