Home > Lafayette Ambassador Bank > Performance and Condition Ratios
Lafayette Ambassador Bank, 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 | 3.8360% | 4,658 |
| Cost of funding earning assets | 0.6144% | 3,577 |
| Net interest margin | 3.2216% | 4,313 |
| Noninterest income to average assets | 0.8346% | 1,233 |
| Noninterest expense to average assets | 2.6040% | 3,191 |
| Loan and lease loss provision to assets | 0.4881% | 240 |
| Net operating income to assets | 0.6726% | 4,093 |
| Return on assets (ROA) | 0.6595% | 4,186 |
| Pretax return on assets | 0.7738% | 4,152 |
| Return on Equity (ROE) | 5.8429% | 4,098 |
| Retained earnings to average equity (ytd only) | 0.2983% | 4,611 |
| Net charge-offs to loans | 0.0919% | 1,442 |
| Credit loss provision to net charge-offs | 805.7851% | 421 |
| Earnings coverage of net charge-offs (x) | 21.0847% | 1,743 |
| Efficiency ratio | 67.0902% | 2,670 |
| Assets per employee ($millions) | 12.2236% | 191 |
| Cash dividends to net income (ytd only)* | 94.8947% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 1,811 |
| Loan loss allowance to noncurrent loans | 74.7352% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.2306% | 1,065 |
| Noncurrent loans to loans | 1.8054% | 832 |
| Net loans and leases to total assets | 65.0963% | 3,224 |
| Net loans and leases to deposits | 77.8550% | 3,160 |
| Net loans and leases to core deposits | 79.7443% | 3,446 |
| Total domestic deposits to total assets | 83.6122% | 3,006 |
| Equity capital to assets | 11.6635% | 2,476 |
| Core capital (leverage) ratio | 10.8610% | 2,729 |
| Tier 1 risk-based capital ratio | 14.6280% | 3,007 |
| Total risk-based capital ratio | 15.8469% | 2,943 |
| Memoranda: | ||
| Average total assets | $1,597,875,670 | 526 |
| Average earning assets | $1,511,112,000 | 509 |
| Average equity | $180,356,670 | 513 |
| Average total loans | $1,053,783,670 | 545 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8339% | 4,654 |
| Cost of funding earning assets | 0.5930% | 3,612 |
| Net interest margin | 3.2409% | 4,302 |
| Noninterest income to average assets | 0.6820% | 1,676 |
| Noninterest expense to average assets | 2.4723% | 3,580 |
| Loan and lease loss provision to assets | 0.3717% | 310 |
| Net operating income to assets | 0.7655% | 3,730 |
| Return on assets (ROA) | 0.7630% | 3,784 |
| Pretax return on assets | 0.9060% | 3,749 |
| Return on Equity (ROE) | 6.8743% | 3,723 |
| Retained earnings to average equity (ytd only) | -4.3253% | 4,886 |
| Net charge-offs to loans | 0.1837% | 757 |
| Credit loss provision to net charge-offs | 306.9815% | 809 |
| Earnings coverage of net charge-offs (x) | 10.5770% | 1,953 |
| Efficiency ratio | 65.8761% | 2,955 |
| Assets per employee ($millions) | 13.0942% | 161 |
| Cash dividends to net income (ytd only)* | 162.9195% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 3,092 |
| Loan loss allowance to noncurrent loans | 115.7298% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 2,139 |
| Noncurrent loans to loans | 0.9565% | 1,750 |
| Net loans and leases to total assets | 63.4890% | 3,349 |
| Net loans and leases to deposits | 75.3759% | 3,319 |
| Net loans and leases to core deposits | 76.8889% | 3,603 |
| Total domestic deposits to total assets | 84.2298% | 2,970 |
| Equity capital to assets | 10.9223% | 2,926 |
| Core capital (leverage) ratio | 10.6978% | 2,851 |
| Tier 1 risk-based capital ratio | 14.6256% | 3,050 |
| Total risk-based capital ratio | 15.6510% | 3,070 |
| Memoranda: | ||
| Average total assets | $1,608,870,000 | 528 |
| Average earning assets | $1,524,505,500 | 504 |
| Average equity | $178,577,000 | 513 |
| Average total loans | $1,060,421,500 | 546 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7054% | 4,662 |
| Cost of funding earning assets | 0.4709% | 3,549 |
| Net interest margin | 3.2345% | 4,420 |
| Noninterest income to average assets | 0.8667% | 1,274 |
| Noninterest expense to average assets | 2.6923% | 3,047 |
| Loan and lease loss provision to assets | 0.0506% | 3,174 |
| Net operating income to assets | 1.0391% | 2,849 |
| Return on assets (ROA) | 1.0233% | 2,901 |
| Pretax return on assets | 1.1878% | 2,919 |
| Return on Equity (ROE) | 9.1816% | 2,899 |
| Retained earnings to average equity (ytd only) | 4.0276% | 3,348 |
| Net charge-offs to loans | 0.0780% | 2,012 |
| Credit loss provision to net charge-offs | 93.0751% | 2,679 |
| Earnings coverage of net charge-offs (x) | 23.1115% | 1,866 |
| Efficiency ratio | 68.1756% | 2,508 |
| Assets per employee ($millions) | 12.3513% | 178 |
| Cash dividends to net income (ytd only)* | 56.1342% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 3,743 |
| Loan loss allowance to noncurrent loans | 103.1459% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7242% | 1,913 |
| Noncurrent loans to loans | 0.9625% | 1,681 |
| Net loans and leases to total assets | 67.0107% | 3,001 |
| Net loans and leases to deposits | 79.1093% | 3,043 |
| Net loans and leases to core deposits | 84.0723% | 3,086 |
| Total domestic deposits to total assets | 84.7065% | 2,767 |
| Equity capital to assets | 11.2830% | 2,431 |
| Core capital (leverage) ratio | 10.8659% | 2,660 |
| Tier 1 risk-based capital ratio | 15.0836% | 2,792 |
| Total risk-based capital ratio | 16.0400% | 2,853 |
| Memoranda: | ||
| Average total assets | $1,566,795,000 | 526 |
| Average earning assets | $1,493,114,200 | 501 |
| Average equity | $174,621,000 | 502 |
| Average total loans | $1,091,704,000 | 522 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6682% | 4,705 |
| Cost of funding earning assets | 0.4433% | 3,578 |
| Net interest margin | 3.2249% | 4,468 |
| Noninterest income to average assets | 0.8839% | 1,241 |
| Noninterest expense to average assets | 2.6616% | 3,097 |
| Loan and lease loss provision to assets | -0.0330% | 5,264 |
| Net operating income to assets | 1.1437% | 2,464 |
| Return on assets (ROA) | 1.1227% | 2,575 |
| Pretax return on assets | 1.3025% | 2,618 |
| Return on Equity (ROE) | 10.1049% | 2,572 |
| Retained earnings to average equity (ytd only) | 5.4988% | 2,951 |
| Net charge-offs to loans | 0.0407% | 2,274 |
| Credit loss provision to net charge-offs | -115.5224% | 4,252 |
| Earnings coverage of net charge-offs (x) | 45.2861% | 1,247 |
| Efficiency ratio | 67.2884% | 2,667 |
| Assets per employee ($millions) | 12.1663% | 190 |
| Cash dividends to net income (ytd only)* | 45.5823% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 4,129 |
| Loan loss allowance to noncurrent loans | 100.5755% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 2,186 |
| Noncurrent loans to loans | 0.9262% | 1,840 |
| Net loans and leases to total assets | 65.9642% | 3,183 |
| Net loans and leases to deposits | 77.7107% | 3,264 |
| Net loans and leases to core deposits | 81.9421% | 3,331 |
| Total domestic deposits to total assets | 84.8843% | 2,646 |
| Equity capital to assets | 10.9019% | 2,749 |
| Core capital (leverage) ratio | 10.7587% | 2,831 |
| Tier 1 risk-based capital ratio | 14.8170% | 2,962 |
| Total risk-based capital ratio | 15.6981% | 3,070 |
| Memoranda: | ||
| Average total assets | $1,563,253,250 | 522 |
| Average earning assets | $1,488,942,250 | 497 |
| Average equity | $173,681,250 | 499 |
| Average total loans | $1,097,120,750 | 514 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6468% | 4,688 |
| Cost of funding earning assets | 0.4182% | 3,583 |
| Net interest margin | 3.2287% | 4,441 |
| Noninterest income to average assets | 0.8386% | 1,355 |
| Noninterest expense to average assets | 2.6747% | 3,099 |
| Loan and lease loss provision to assets | -0.0887% | 5,416 |
| Net operating income to assets | 1.1114% | 2,540 |
| Return on assets (ROA) | 1.0793% | 2,672 |
| Pretax return on assets | 1.2909% | 2,551 |
| Return on Equity (ROE) | 9.6516% | 2,736 |
| Retained earnings to average equity (ytd only) | 5.0330% | 3,059 |
| Net charge-offs to loans | 0.0437% | 1,989 |
| Credit loss provision to net charge-offs | -283.8843% | 4,258 |
| Earnings coverage of net charge-offs (x) | 39.6983% | 1,308 |
| Efficiency ratio | 68.3178% | 2,588 |
| Assets per employee ($millions) | 10.6603% | 264 |
| Cash dividends to net income (ytd only)* | 47.8526% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 4,296 |
| Loan loss allowance to noncurrent loans | 88.3013% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 1,955 |
| Noncurrent loans to loans | 1.0304% | 1,709 |
| Net loans and leases to total assets | 69.6676% | 2,633 |
| Net loans and leases to deposits | 82.6518% | 2,697 |
| Net loans and leases to core deposits | 86.4306% | 2,884 |
| Total domestic deposits to total assets | 84.2905% | 2,963 |
| Equity capital to assets | 11.4044% | 2,263 |
| Core capital (leverage) ratio | 10.9850% | 2,538 |
| Tier 1 risk-based capital ratio | 14.8057% | 2,966 |
| Total risk-based capital ratio | 15.6805% | 3,062 |
| Memoranda: | ||
| Average total assets | $1,549,021,000 | 527 |
| Average earning assets | $1,476,014,670 | 501 |
| Average equity | $173,215,330 | 497 |
| Average total loans | $1,106,390,000 | 509 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5983% | 4,708 |
| Cost of funding earning assets | 0.3993% | 3,591 |
| Net interest margin | 3.1990% | 4,463 |
| Noninterest income to average assets | 0.7968% | 1,465 |
| Noninterest expense to average assets | 2.6959% | 3,058 |
| Loan and lease loss provision to assets | -0.0123% | 5,414 |
| Net operating income to assets | 0.9776% | 2,948 |
| Return on assets (ROA) | 0.9776% | 2,977 |
| Pretax return on assets | 1.1631% | 2,917 |
| Return on Equity (ROE) | 8.8284% | 2,993 |
| Retained earnings to average equity (ytd only) | 4.2013% | 3,508 |
| Net charge-offs to loans | 0.1104% | 1,116 |
| Credit loss provision to net charge-offs | -15.4839% | 3,570 |
| Earnings coverage of net charge-offs (x) | 14.4903% | 1,708 |
| Efficiency ratio | 70.0833% | 2,474 |
| Assets per employee ($millions) | 10.6470% | 263 |
| Cash dividends to net income (ytd only)* | 52.4109% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 4,304 |
| Loan loss allowance to noncurrent loans | 90.6807% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.7912% | 1,995 |
| Noncurrent loans to loans | 1.0255% | 1,783 |
| Net loans and leases to total assets | 71.2466% | 2,289 |
| Net loans and leases to deposits | 84.2539% | 2,364 |
| Net loans and leases to core deposits | 89.7750% | 2,470 |
| Total domestic deposits to total assets | 84.5618% | 3,093 |
| Equity capital to assets | 11.1518% | 2,431 |
| Core capital (leverage) ratio | 10.7741% | 2,657 |
| Tier 1 risk-based capital ratio | 14.0240% | 3,374 |
| Total risk-based capital ratio | 14.9148% | 3,471 |
| Memoranda: | ||
| Average total assets | $1,561,323,000 | 525 |
| Average earning assets | $1,488,595,500 | 501 |
| Average equity | $172,897,500 | 501 |
| Average total loans | $1,123,696,500 | 510 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5773% | 4,619 |
| Cost of funding earning assets | 0.3722% | 3,495 |
| Net interest margin | 3.2051% | 4,435 |
| Noninterest income to average assets | 0.9181% | 1,222 |
| Noninterest expense to average assets | 2.6033% | 3,435 |
| Loan and lease loss provision to assets | 0.3408% | 479 |
| Net operating income to assets | 0.7356% | 3,445 |
| Return on assets (ROA) | 0.7128% | 3,596 |
| Pretax return on assets | 1.0051% | 3,544 |
| Return on Equity (ROE) | 6.2254% | 3,665 |
| Retained earnings to average equity (ytd only) | -2.1835% | 5,296 |
| Net charge-offs to loans | 0.3034% | 855 |
| Credit loss provision to net charge-offs | 149.0873% | 1,793 |
| Earnings coverage of net charge-offs (x) | 6.0284% | 3,237 |
| Efficiency ratio | 65.3886% | 3,367 |
| Assets per employee ($millions) | 10.3871% | 281 |
| Cash dividends to net income (ytd only)* | 135.0743% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 4,275 |
| Loan loss allowance to noncurrent loans | 81.0840% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 0.8869% | 1,752 |
| Noncurrent loans to loans | 1.1585% | 1,532 |
| Net loans and leases to total assets | 71.3484% | 2,332 |
| Net loans and leases to deposits | 84.0255% | 2,486 |
| Net loans and leases to core deposits | 88.6836% | 2,672 |
| Total domestic deposits to total assets | 84.9128% | 2,873 |
| Equity capital to assets | 10.9975% | 2,625 |
| Core capital (leverage) ratio | 10.1130% | 3,299 |
| Tier 1 risk-based capital ratio | 13.7071% | 3,518 |
| Total risk-based capital ratio | 14.6197% | 3,616 |
| Memoranda: | ||
| Average total assets | $1,557,847,400 | 499 |
| Average earning assets | $1,488,898,600 | 483 |
| Average equity | $178,383,000 | 475 |
| Average total loans | $1,173,889,400 | 465 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5839% | 4,597 |
| Cost of funding earning assets | 0.3602% | 3,565 |
| Net interest margin | 3.2238% | 4,395 |
| Noninterest income to average assets | 0.9305% | 1,188 |
| Noninterest expense to average assets | 2.5776% | 3,474 |
| Loan and lease loss provision to assets | 0.3791% | 376 |
| Net operating income to assets | 0.7951% | 3,540 |
| Return on assets (ROA) | 0.7951% | 3,589 |
| Pretax return on assets | 1.0567% | 3,470 |
| Return on Equity (ROE) | 6.8747% | 3,733 |
| Retained earnings to average equity (ytd only) | -0.5502% | 5,298 |
| Net charge-offs to loans | 0.4012% | 530 |
| Credit loss provision to net charge-offs | 123.9888% | 1,957 |
| Earnings coverage of net charge-offs (x) | 4.6963% | 3,191 |
| Efficiency ratio | 64.2260% | 3,499 |
| Assets per employee ($millions) | 10.6752% | 257 |
| Cash dividends to net income (ytd only)* | 108.0031% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8484% | 4,762 |
| Loan loss allowance to noncurrent loans | 95.7922% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.6756% | 2,473 |
| Noncurrent loans to loans | 0.8856% | 2,162 |
| Net loans and leases to total assets | 69.5924% | 2,616 |
| Net loans and leases to deposits | 81.5169% | 2,827 |
| Net loans and leases to core deposits | 85.9907% | 2,969 |
| Total domestic deposits to total assets | 85.3718% | 2,571 |
| Equity capital to assets | 10.8236% | 3,040 |
| Core capital (leverage) ratio | 10.5280% | 2,958 |
| Tier 1 risk-based capital ratio | 13.7323% | 3,561 |
| Total risk-based capital ratio | 14.5556% | 3,732 |
| Memoranda: | ||
| Average total assets | $1,552,600,750 | 505 |
| Average earning assets | $1,484,770,250 | 486 |
| Average equity | $179,570,750 | 476 |
| Average total loans | $1,183,073,000 | 466 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6326% | 4,425 |
| Cost of funding earning assets | 0.3544% | 3,535 |
| Net interest margin | 3.2782% | 4,178 |
| Noninterest income to average assets | 1.0098% | 1,000 |
| Noninterest expense to average assets | 2.5994% | 3,433 |
| Loan and lease loss provision to assets | 0.4523% | 268 |
| Net operating income to assets | 0.8040% | 3,382 |
| Return on assets (ROA) | 0.8040% | 3,440 |
| Pretax return on assets | 1.0890% | 3,221 |
| Return on Equity (ROE) | 6.7945% | 3,664 |
| Retained earnings to average equity (ytd only) | 3.4633% | 3,648 |
| Net charge-offs to loans | 0.0067% | 3,218 |
| Credit loss provision to net charge-offs | 8,605.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 293.2500% | 286 |
| Efficiency ratio | 62.7773% | 3,853 |
| Assets per employee ($millions) | 10.1500% | 291 |
| Cash dividends to net income (ytd only)* | 49.0276% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 3,965 |
| Loan loss allowance to noncurrent loans | 108.7144% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.8596% | 2,062 |
| Noncurrent loans to loans | 0.9472% | 2,064 |
| Net loans and leases to total assets | 77.8846% | 1,261 |
| Net loans and leases to deposits | 92.8074% | 1,381 |
| Net loans and leases to core deposits | 97.4199% | 1,855 |
| Total domestic deposits to total assets | 83.9207% | 3,229 |
| Equity capital to assets | 11.9267% | 1,979 |
| Core capital (leverage) ratio | 11.2545% | 2,177 |
| Tier 1 risk-based capital ratio | 13.8611% | 3,496 |
| Total risk-based capital ratio | 14.8824% | 3,545 |
| Memoranda: | ||
| Average total assets | $1,522,139,000 | 518 |
| Average earning assets | $1,453,741,670 | 496 |
| Average equity | $180,115,000 | 477 |
| Average total loans | $1,192,804,670 | 462 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6277% | 4,341 |
| Cost of funding earning assets | 0.3537% | 3,485 |
| Net interest margin | 3.2740% | 4,104 |
| Noninterest income to average assets | 0.8518% | 1,391 |
| Noninterest expense to average assets | 2.5846% | 3,552 |
| Loan and lease loss provision to assets | 0.4983% | 206 |
| Net operating income to assets | 0.6786% | 3,795 |
| Return on assets (ROA) | 0.6786% | 3,835 |
| Pretax return on assets | 0.8954% | 3,791 |
| Return on Equity (ROE) | 5.7576% | 4,020 |
| Retained earnings to average equity (ytd only) | 5.7576% | 2,468 |
| Net charge-offs to loans | -0.0017% | 3,996 |
| Credit loss provision to net charge-offs | -37,920.0000% | 4,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9666% | 3,668 |
| Assets per employee ($millions) | 10.1790% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 4,726 |
| Loan loss allowance to noncurrent loans | 94.4725% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 2,121 |
| Noncurrent loans to loans | 0.9619% | 2,118 |
| Net loans and leases to total assets | 77.9077% | 1,150 |
| Net loans and leases to deposits | 94.3804% | 1,077 |
| Net loans and leases to core deposits | 99.6329% | 1,531 |
| Total domestic deposits to total assets | 82.5465% | 3,992 |
| Equity capital to assets | 11.9235% | 1,897 |
| Core capital (leverage) ratio | 11.1389% | 2,244 |
| Tier 1 risk-based capital ratio | 13.9815% | 3,492 |
| Total risk-based capital ratio | 14.8932% | 3,595 |
| Memoranda: | ||
| Average total assets | $1,521,961,500 | 519 |
| Average earning assets | $1,453,372,000 | 495 |
| Average equity | $179,381,000 | 475 |
| Average total loans | $1,190,144,000 | 466 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6451% | 4,389 |
| Cost of funding earning assets | 0.3683% | 3,330 |
| Net interest margin | 3.2768% | 4,216 |
| Noninterest income to average assets | 0.8622% | 1,528 |
| Noninterest expense to average assets | 2.6169% | 3,626 |
| Loan and lease loss provision to assets | 0.1009% | 2,358 |
| Net operating income to assets | 0.9181% | 2,733 |
| Return on assets (ROA) | 0.9196% | 2,843 |
| Pretax return on assets | 1.2669% | 2,412 |
| Return on Equity (ROE) | 7.8711% | 3,013 |
| Retained earnings to average equity (ytd only) | 2.2868% | 4,220 |
| Net charge-offs to loans | 0.2305% | 1,205 |
| Credit loss provision to net charge-offs | 56.4440% | 3,296 |
| Earnings coverage of net charge-offs (x) | 7.6426% | 2,986 |
| Efficiency ratio | 65.7078% | 3,643 |
| Assets per employee ($millions) | 9.2560% | 396 |
| Cash dividends to net income (ytd only)* | 70.9471% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7522% | 5,232 |
| Loan loss allowance to noncurrent loans | 172.6570% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 3,300 |
| Noncurrent loans to loans | 0.4357% | 3,582 |
| Net loans and leases to total assets | 77.1918% | 1,332 |
| Net loans and leases to deposits | 93.0972% | 1,286 |
| Net loans and leases to core deposits | 97.6262% | 1,790 |
| Total domestic deposits to total assets | 82.9152% | 3,794 |
| Equity capital to assets | 11.6498% | 2,044 |
| Core capital (leverage) ratio | 10.8744% | 2,466 |
| Tier 1 risk-based capital ratio | 13.8344% | 3,556 |
| Total risk-based capital ratio | 14.5893% | 3,779 |
| Memoranda: | ||
| Average total assets | $1,532,754,200 | 501 |
| Average earning assets | $1,459,578,200 | 478 |
| Average equity | $179,073,600 | 463 |
| Average total loans | $1,188,279,800 | 446 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6450% | 4,424 |
| Cost of funding earning assets | 0.3704% | 3,321 |
| Net interest margin | 3.2745% | 4,271 |
| Noninterest income to average assets | 0.8505% | 1,573 |
| Noninterest expense to average assets | 2.5915% | 3,694 |
| Loan and lease loss provision to assets | 0.0953% | 2,318 |
| Net operating income to assets | 0.9302% | 2,750 |
| Return on assets (ROA) | 0.9302% | 2,877 |
| Pretax return on assets | 1.2815% | 2,499 |
| Return on Equity (ROE) | 7.9562% | 3,032 |
| Retained earnings to average equity (ytd only) | 2.7527% | 4,243 |
| Net charge-offs to loans | 0.2837% | 806 |
| Credit loss provision to net charge-offs | 43.3373% | 3,120 |
| Earnings coverage of net charge-offs (x) | 6.2637% | 3,019 |
| Efficiency ratio | 65.3059% | 3,710 |
| Assets per employee ($millions) | 9.1445% | 388 |
| Cash dividends to net income (ytd only)* | 65.4022% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7312% | 5,357 |
| Loan loss allowance to noncurrent loans | 166.6283% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4424% | 3,654 |
| Noncurrent loans to loans | 0.4388% | 3,708 |
| Net loans and leases to total assets | 76.3620% | 1,465 |
| Net loans and leases to deposits | 92.0268% | 1,494 |
| Net loans and leases to core deposits | 96.5397% | 1,937 |
| Total domestic deposits to total assets | 82.9780% | 3,609 |
| Equity capital to assets | 11.7581% | 2,295 |
| Core capital (leverage) ratio | 10.9101% | 2,549 |
| Tier 1 risk-based capital ratio | 13.7857% | 3,680 |
| Total risk-based capital ratio | 14.5196% | 3,907 |
| Memoranda: | ||
| Average total assets | $1,534,131,500 | 500 |
| Average earning assets | $1,460,645,500 | 476 |
| Average equity | $179,361,750 | 468 |
| Average total loans | $1,188,389,000 | 445 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6770% | 4,366 |
| Cost of funding earning assets | 0.3713% | 3,346 |
| Net interest margin | 3.3058% | 4,209 |
| Noninterest income to average assets | 0.8438% | 1,572 |
| Noninterest expense to average assets | 2.6106% | 3,685 |
| Loan and lease loss provision to assets | 0.0673% | 2,794 |
| Net operating income to assets | 0.9494% | 2,625 |
| Return on assets (ROA) | 0.9494% | 2,768 |
| Pretax return on assets | 1.3172% | 2,338 |
| Return on Equity (ROE) | 8.1365% | 2,922 |
| Retained earnings to average equity (ytd only) | 3.6567% | 3,564 |
| Net charge-offs to loans | 0.2740% | 872 |
| Credit loss provision to net charge-offs | 31.6339% | 2,844 |
| Earnings coverage of net charge-offs (x) | 6.5074% | 2,729 |
| Efficiency ratio | 65.3451% | 3,785 |
| Assets per employee ($millions) | 8.7499% | 431 |
| Cash dividends to net income (ytd only)* | 55.0585% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 5,374 |
| Loan loss allowance to noncurrent loans | 135.4320% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 3,536 |
| Noncurrent loans to loans | 0.5612% | 3,383 |
| Net loans and leases to total assets | 76.8530% | 1,363 |
| Net loans and leases to deposits | 96.3612% | 1,045 |
| Net loans and leases to core deposits | 101.1975% | 1,540 |
| Total domestic deposits to total assets | 79.7551% | 4,610 |
| Equity capital to assets | 11.8610% | 2,223 |
| Core capital (leverage) ratio | 10.9565% | 2,477 |
| Tier 1 risk-based capital ratio | 13.8527% | 3,695 |
| Total risk-based capital ratio | 14.6185% | 3,891 |
| Memoranda: | ||
| Average total assets | $1,530,368,330 | 501 |
| Average earning assets | $1,458,845,000 | 475 |
| Average equity | $178,578,330 | 468 |
| Average total loans | $1,188,249,670 | 445 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7110% | 4,280 |
| Cost of funding earning assets | 0.3733% | 3,364 |
| Net interest margin | 3.3377% | 4,086 |
| Noninterest income to average assets | 0.8089% | 1,590 |
| Noninterest expense to average assets | 2.6093% | 3,724 |
| Loan and lease loss provision to assets | 0.0698% | 2,552 |
| Net operating income to assets | 0.9449% | 2,535 |
| Return on assets (ROA) | 0.9449% | 2,648 |
| Pretax return on assets | 1.3161% | 2,235 |
| Return on Equity (ROE) | 8.1646% | 2,820 |
| Retained earnings to average equity (ytd only) | 3.6463% | 3,670 |
| Net charge-offs to loans | 0.1829% | 1,063 |
| Credit loss provision to net charge-offs | 49.0809% | 2,060 |
| Earnings coverage of net charge-offs (x) | 9.7445% | 1,965 |
| Efficiency ratio | 65.3099% | 3,920 |
| Assets per employee ($millions) | 8.7605% | 427 |
| Cash dividends to net income (ytd only)* | 55.3403% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 5,296 |
| Loan loss allowance to noncurrent loans | 139.0740% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 3,493 |
| Noncurrent loans to loans | 0.5932% | 3,414 |
| Net loans and leases to total assets | 77.2497% | 1,212 |
| Net loans and leases to deposits | 96.3743% | 908 |
| Net loans and leases to core deposits | 98.9208% | 1,569 |
| Total domestic deposits to total assets | 80.1560% | 4,712 |
| Equity capital to assets | 11.6810% | 2,262 |
| Core capital (leverage) ratio | 10.7915% | 2,632 |
| Tier 1 risk-based capital ratio | 13.2608% | 4,113 |
| Total risk-based capital ratio | 14.0677% | 4,297 |
| Memoranda: | ||
| Average total assets | $1,529,940,500 | 499 |
| Average earning assets | $1,460,517,000 | 475 |
| Average equity | $177,058,000 | 469 |
| Average total loans | $1,189,472,500 | 443 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6278% | 4,596 |
| Cost of funding earning assets | 0.3902% | 3,261 |
| Net interest margin | 3.2376% | 4,512 |
| Noninterest income to average assets | 0.9075% | 1,421 |
| Noninterest expense to average assets | 2.7379% | 3,453 |
| Loan and lease loss provision to assets | -0.1065% | 5,862 |
| Net operating income to assets | 0.9063% | 2,832 |
| Return on assets (ROA) | 0.9075% | 2,909 |
| Pretax return on assets | 1.3622% | 2,063 |
| Return on Equity (ROE) | 7.6447% | 3,164 |
| Retained earnings to average equity (ytd only) | 4.1821% | 3,012 |
| Net charge-offs to loans | 0.1121% | 2,255 |
| Credit loss provision to net charge-offs | -126.2388% | 5,194 |
| Earnings coverage of net charge-offs (x) | 14.8700% | 2,257 |
| Efficiency ratio | 68.5875% | 3,467 |
| Assets per employee ($millions) | 8.2978% | 496 |
| Cash dividends to net income (ytd only)* | 45.2933% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8547% | 5,255 |
| Loan loss allowance to noncurrent loans | 133.2500% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 3,318 |
| Noncurrent loans to loans | 0.6415% | 3,267 |
| Net loans and leases to total assets | 76.9364% | 1,264 |
| Net loans and leases to deposits | 95.6181% | 1,057 |
| Net loans and leases to core deposits | 98.1304% | 1,663 |
| Total domestic deposits to total assets | 80.4621% | 4,622 |
| Equity capital to assets | 11.4643% | 2,389 |
| Core capital (leverage) ratio | 10.9610% | 2,446 |
| Tier 1 risk-based capital ratio | 13.2602% | 4,130 |
| Total risk-based capital ratio | 14.0989% | 4,316 |
| Memoranda: | ||
| Average total assets | $1,459,786,800 | 489 |
| Average earning assets | $1,390,709,600 | 467 |
| Average equity | $173,284,200 | 461 |
| Average total loans | $1,097,862,200 | 446 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6496% | 4,577 |
| Cost of funding earning assets | 0.4038% | 3,187 |
| Net interest margin | 3.2457% | 4,540 |
| Noninterest income to average assets | 0.9207% | 1,400 |
| Noninterest expense to average assets | 2.7623% | 3,337 |
| Loan and lease loss provision to assets | -0.1447% | 6,056 |
| Net operating income to assets | 0.9674% | 2,632 |
| Return on assets (ROA) | 0.9674% | 2,717 |
| Pretax return on assets | 1.3946% | 2,038 |
| Return on Equity (ROE) | 8.0764% | 3,037 |
| Retained earnings to average equity (ytd only) | 4.9908% | 2,926 |
| Net charge-offs to loans | 0.1173% | 1,953 |
| Credit loss provision to net charge-offs | -165.3643% | 5,130 |
| Earnings coverage of net charge-offs (x) | 14.2851% | 2,258 |
| Efficiency ratio | 68.8467% | 3,399 |
| Assets per employee ($millions) | 8.1085% | 513 |
| Cash dividends to net income (ytd only)* | 38.2044% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 4,988 |
| Loan loss allowance to noncurrent loans | 120.7641% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 3,223 |
| Noncurrent loans to loans | 0.7846% | 3,001 |
| Net loans and leases to total assets | 72.4705% | 1,985 |
| Net loans and leases to deposits | 86.1698% | 2,120 |
| Net loans and leases to core deposits | 88.4716% | 2,614 |
| Total domestic deposits to total assets | 84.1019% | 3,381 |
| Equity capital to assets | 11.7178% | 2,334 |
| Core capital (leverage) ratio | 11.0410% | 2,443 |
| Tier 1 risk-based capital ratio | 13.7789% | 3,976 |
| Total risk-based capital ratio | 14.6789% | 4,103 |
| Memoranda: | ||
| Average total assets | $1,443,033,750 | 495 |
| Average earning assets | $1,374,454,000 | 472 |
| Average equity | $172,846,000 | 465 |
| Average total loans | $1,076,130,000 | 452 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6724% | 4,497 |
| Cost of funding earning assets | 0.4144% | 3,109 |
| Net interest margin | 3.2580% | 4,466 |
| Noninterest income to average assets | 0.9660% | 1,257 |
| Noninterest expense to average assets | 2.7573% | 3,388 |
| Loan and lease loss provision to assets | -0.2173% | 6,191 |
| Net operating income to assets | 1.0601% | 2,100 |
| Return on assets (ROA) | 1.0601% | 2,207 |
| Pretax return on assets | 1.5302% | 1,558 |
| Return on Equity (ROE) | 8.7834% | 2,668 |
| Retained earnings to average equity (ytd only) | 6.4561% | 1,971 |
| Net charge-offs to loans | 0.1076% | 1,918 |
| Credit loss provision to net charge-offs | -269.0435% | 5,091 |
| Earnings coverage of net charge-offs (x) | 16.2574% | 1,920 |
| Efficiency ratio | 67.7433% | 3,707 |
| Assets per employee ($millions) | 7.6614% | 619 |
| Cash dividends to net income (ytd only)* | 26.4971% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 4,842 |
| Loan loss allowance to noncurrent loans | 114.6774% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.7547% | 3,125 |
| Noncurrent loans to loans | 0.8773% | 2,936 |
| Net loans and leases to total assets | 74.1088% | 1,645 |
| Net loans and leases to deposits | 88.8749% | 1,738 |
| Net loans and leases to core deposits | 91.6332% | 2,188 |
| Total domestic deposits to total assets | 83.3856% | 3,797 |
| Equity capital to assets | 12.1416% | 1,923 |
| Core capital (leverage) ratio | 11.3276% | 2,136 |
| Tier 1 risk-based capital ratio | 14.0430% | 3,902 |
| Total risk-based capital ratio | 14.9981% | 4,005 |
| Memoranda: | ||
| Average total assets | $1,424,023,330 | 505 |
| Average earning assets | $1,356,780,000 | 478 |
| Average equity | $171,869,670 | 471 |
| Average total loans | $1,069,005,670 | 456 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6945% | 4,380 |
| Cost of funding earning assets | 0.4332% | 2,941 |
| Net interest margin | 3.2614% | 4,376 |
| Noninterest income to average assets | 0.9123% | 1,348 |
| Noninterest expense to average assets | 2.7166% | 3,530 |
| Loan and lease loss provision to assets | -0.2130% | 6,273 |
| Net operating income to assets | 1.0518% | 2,027 |
| Return on assets (ROA) | 1.0518% | 2,170 |
| Pretax return on assets | 1.5184% | 1,503 |
| Return on Equity (ROE) | 8.7409% | 2,579 |
| Retained earnings to average equity (ytd only) | 8.7409% | 1,292 |
| Net charge-offs to loans | 0.1368% | 1,427 |
| Credit loss provision to net charge-offs | -207.1233% | 4,622 |
| Earnings coverage of net charge-offs (x) | 12.6932% | 1,778 |
| Efficiency ratio | 67.5447% | 3,898 |
| Assets per employee ($millions) | 7.6040% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 4,539 |
| Loan loss allowance to noncurrent loans | 105.3897% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.8616% | 2,927 |
| Noncurrent loans to loans | 1.0404% | 2,683 |
| Net loans and leases to total assets | 74.7939% | 1,390 |
| Net loans and leases to deposits | 90.4365% | 1,344 |
| Net loans and leases to core deposits | 93.3202% | 1,828 |
| Total domestic deposits to total assets | 82.7032% | 4,278 |
| Equity capital to assets | 12.1782% | 1,909 |
| Core capital (leverage) ratio | 11.3193% | 2,140 |
| Tier 1 risk-based capital ratio | 14.6282% | 3,642 |
| Total risk-based capital ratio | 15.7230% | 3,657 |
| Memoranda: | ||
| Average total assets | $1,419,691,000 | 505 |
| Average earning assets | $1,353,670,500 | 480 |
| Average equity | $170,829,000 | 475 |
| Average total loans | $1,067,239,500 | 454 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 4,197 |
| Cost of funding earning assets | 0.4270% | 3,418 |
| Net interest margin | 3.4553% | 3,957 |
| Noninterest income to average assets | 0.8900% | 1,540 |
| Noninterest expense to average assets | 2.6925% | 3,893 |
| Loan and lease loss provision to assets | 0.0829% | 2,822 |
| Net operating income to assets | 0.9807% | 2,479 |
| Return on assets (ROA) | 0.9807% | 2,556 |
| Pretax return on assets | 1.3983% | 1,893 |
| Return on Equity (ROE) | 8.5944% | 2,794 |
| Retained earnings to average equity (ytd only) | 8.5944% | 801 |
| Net charge-offs to loans | 0.1401% | 2,625 |
| Credit loss provision to net charge-offs | 77.3360% | 2,917 |
| Earnings coverage of net charge-offs (x) | 13.8151% | 2,239 |
| Efficiency ratio | 64.5115% | 4,503 |
| Assets per employee ($millions) | 8.0536% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 3,888 |
| Loan loss allowance to noncurrent loans | 110.6427% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 3,105 |
| Noncurrent loans to loans | 1.1018% | 2,623 |
| Net loans and leases to total assets | 73.8126% | 1,616 |
| Net loans and leases to deposits | 90.3251% | 1,488 |
| Net loans and leases to core deposits | 93.1788% | 1,976 |
| Total domestic deposits to total assets | 81.7188% | 4,517 |
| Equity capital to assets | 11.8870% | 2,099 |
| Core capital (leverage) ratio | 10.8392% | 2,569 |
| Tier 1 risk-based capital ratio | 14.6735% | 3,678 |
| Total risk-based capital ratio | 15.9040% | 3,621 |
| Memoranda: | ||
| Average total assets | $1,407,471,200 | 497 |
| Average earning assets | $1,337,555,200 | 476 |
| Average equity | $160,605,000 | 479 |
| Average total loans | $1,077,063,800 | 430 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9171% | 4,108 |
| Cost of funding earning assets | 0.4219% | 3,556 |
| Net interest margin | 3.4952% | 3,857 |
| Noninterest income to average assets | 0.8888% | 1,556 |
| Noninterest expense to average assets | 2.6695% | 3,944 |
| Loan and lease loss provision to assets | 0.1114% | 2,183 |
| Net operating income to assets | 0.9961% | 2,462 |
| Return on assets (ROA) | 0.9961% | 2,534 |
| Pretax return on assets | 1.4217% | 1,923 |
| Return on Equity (ROE) | 8.8226% | 2,772 |
| Retained earnings to average equity (ytd only) | 8.8226% | 1,055 |
| Net charge-offs to loans | 0.1611% | 2,193 |
| Credit loss provision to net charge-offs | 89.8240% | 2,436 |
| Earnings coverage of net charge-offs (x) | 12.3604% | 2,325 |
| Efficiency ratio | 63.5204% | 4,629 |
| Assets per employee ($millions) | 8.1881% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 4,077 |
| Loan loss allowance to noncurrent loans | 102.3479% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.9009% | 3,191 |
| Noncurrent loans to loans | 1.2007% | 2,644 |
| Net loans and leases to total assets | 72.7686% | 1,721 |
| Net loans and leases to deposits | 88.3603% | 1,624 |
| Net loans and leases to core deposits | 91.0333% | 2,112 |
| Total domestic deposits to total assets | 82.3544% | 4,358 |
| Equity capital to assets | 11.3486% | 2,630 |
| Core capital (leverage) ratio | 10.8759% | 2,604 |
| Tier 1 risk-based capital ratio | 14.1356% | 4,115 |
| Total risk-based capital ratio | 15.3655% | 4,069 |
| Memoranda: | ||
| Average total assets | $1,404,980,250 | 498 |
| Average earning assets | $1,332,034,750 | 472 |
| Average equity | $158,633,500 | 481 |
| Average total loans | $1,081,540,250 | 430 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9672% | 3,862 |
| Cost of funding earning assets | 0.4183% | 3,680 |
| Net interest margin | 3.5489% | 3,575 |
| Noninterest income to average assets | 0.9013% | 1,491 |
| Noninterest expense to average assets | 2.6677% | 3,990 |
| Loan and lease loss provision to assets | 0.1680% | 1,461 |
| Net operating income to assets | 1.0073% | 2,292 |
| Return on assets (ROA) | 1.0073% | 2,360 |
| Pretax return on assets | 1.4369% | 1,761 |
| Return on Equity (ROE) | 8.9376% | 2,624 |
| Retained earnings to average equity (ytd only) | 8.9376% | 1,006 |
| Net charge-offs to loans | 0.2123% | 1,757 |
| Credit loss provision to net charge-offs | 101.3010% | 1,965 |
| Earnings coverage of net charge-offs (x) | 9.6756% | 2,334 |
| Efficiency ratio | 62.4364% | 4,954 |
| Assets per employee ($millions) | 7.7408% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 4,198 |
| Loan loss allowance to noncurrent loans | 94.6366% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.0428% | 2,982 |
| Noncurrent loans to loans | 1.3148% | 2,612 |
| Net loans and leases to total assets | 76.0026% | 1,166 |
| Net loans and leases to deposits | 93.5214% | 1,003 |
| Net loans and leases to core deposits | 96.7900% | 1,540 |
| Total domestic deposits to total assets | 81.2677% | 4,891 |
| Equity capital to assets | 11.6461% | 2,283 |
| Core capital (leverage) ratio | 10.8530% | 2,577 |
| Tier 1 risk-based capital ratio | 13.8043% | 4,385 |
| Total risk-based capital ratio | 15.0481% | 4,341 |
| Memoranda: | ||
| Average total assets | $1,390,210,000 | 498 |
| Average earning assets | $1,320,631,670 | 475 |
| Average equity | $156,686,670 | 481 |
| Average total loans | $1,086,137,000 | 428 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 3,884 |
| Cost of funding earning assets | 0.4091% | 3,864 |
| Net interest margin | 3.5439% | 3,506 |
| Noninterest income to average assets | 0.8939% | 1,410 |
| Noninterest expense to average assets | 2.5936% | 4,292 |
| Loan and lease loss provision to assets | 0.2166% | 1,055 |
| Net operating income to assets | 1.0218% | 2,118 |
| Return on assets (ROA) | 1.0218% | 2,188 |
| Pretax return on assets | 1.4601% | 1,548 |
| Return on Equity (ROE) | 9.2183% | 2,366 |
| Retained earnings to average equity (ytd only) | 9.2183% | 1,187 |
| Net charge-offs to loans | 0.2916% | 1,189 |
| Credit loss provision to net charge-offs | 94.3680% | 1,757 |
| Earnings coverage of net charge-offs (x) | 7.3054% | 2,127 |
| Efficiency ratio | 60.7359% | 5,304 |
| Assets per employee ($millions) | 7.7629% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 4,608 |
| Loan loss allowance to noncurrent loans | 81.5672% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.1927% | 2,874 |
| Noncurrent loans to loans | 1.4793% | 2,571 |
| Net loans and leases to total assets | 77.3973% | 833 |
| Net loans and leases to deposits | 95.2423% | 699 |
| Net loans and leases to core deposits | 98.7012% | 1,190 |
| Total domestic deposits to total assets | 81.2636% | 5,161 |
| Equity capital to assets | 11.2129% | 2,507 |
| Core capital (leverage) ratio | 10.4982% | 2,934 |
| Tier 1 risk-based capital ratio | 13.1837% | 4,905 |
| Total risk-based capital ratio | 14.5261% | 4,771 |
| Memoranda: | ||
| Average total assets | $1,392,510,000 | 492 |
| Average earning assets | $1,326,691,000 | 467 |
| Average equity | $154,345,000 | 487 |
| Average total loans | $1,096,021,000 | 420 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 3,414 |
| Cost of funding earning assets | 0.4401% | 4,219 |
| Net interest margin | 3.7401% | 2,897 |
| Noninterest income to average assets | 1.0354% | 1,308 |
| Noninterest expense to average assets | 2.7100% | 4,056 |
| Loan and lease loss provision to assets | 0.1411% | 2,544 |
| Net operating income to assets | 1.2055% | 1,543 |
| Return on assets (ROA) | 1.2218% | 1,548 |
| Pretax return on assets | 1.7613% | 829 |
| Return on Equity (ROE) | 11.6118% | 1,552 |
| Retained earnings to average equity (ytd only) | 7.9487% | 1,069 |
| Net charge-offs to loans | 0.2367% | 2,560 |
| Credit loss provision to net charge-offs | 77.2005% | 3,110 |
| Earnings coverage of net charge-offs (x) | 10.2788% | 2,395 |
| Efficiency ratio | 59.0563% | 5,599 |
| Assets per employee ($millions) | 7.4607% | 610 |
| Cash dividends to net income (ytd only)* | 31.5466% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 4,619 |
| Loan loss allowance to noncurrent loans | 80.2932% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.2461% | 2,931 |
| Noncurrent loans to loans | 1.5043% | 2,639 |
| Net loans and leases to total assets | 78.1215% | 812 |
| Net loans and leases to deposits | 97.1748% | 651 |
| Net loans and leases to core deposits | 100.8479% | 1,096 |
| Total domestic deposits to total assets | 80.3927% | 5,351 |
| Equity capital to assets | 10.9541% | 2,658 |
| Core capital (leverage) ratio | 10.1314% | 3,385 |
| Tier 1 risk-based capital ratio | 12.8572% | 5,079 |
| Total risk-based capital ratio | 14.2041% | 4,964 |
| Memoranda: | ||
| Average total assets | $1,410,919,000 | 477 |
| Average earning assets | $1,340,493,400 | 461 |
| Average equity | $148,452,400 | 493 |
| Average total loans | $1,089,674,200 | 401 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1919% | 3,418 |
| Cost of funding earning assets | 0.4461% | 4,322 |
| Net interest margin | 3.7458% | 2,862 |
| Noninterest income to average assets | 1.0761% | 1,265 |
| Noninterest expense to average assets | 2.6705% | 4,131 |
| Loan and lease loss provision to assets | 0.1888% | 1,942 |
| Net operating income to assets | 1.2224% | 1,556 |
| Return on assets (ROA) | 1.2441% | 1,573 |
| Pretax return on assets | 1.7990% | 915 |
| Return on Equity (ROE) | 11.9440% | 1,487 |
| Retained earnings to average equity (ytd only) | 7.0305% | 1,860 |
| Net charge-offs to loans | 0.2618% | 2,243 |
| Credit loss provision to net charge-offs | 93.9139% | 2,532 |
| Earnings coverage of net charge-offs (x) | 9.7327% | 2,441 |
| Efficiency ratio | 57.7159% | 5,723 |
| Assets per employee ($millions) | 7.5027% | 582 |
| Cash dividends to net income (ytd only)* | 41.1378% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 4,693 |
| Loan loss allowance to noncurrent loans | 82.0832% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.2363% | 3,169 |
| Noncurrent loans to loans | 1.5107% | 2,902 |
| Net loans and leases to total assets | 77.4210% | 818 |
| Net loans and leases to deposits | 94.3155% | 810 |
| Net loans and leases to core deposits | 98.0206% | 1,244 |
| Total domestic deposits to total assets | 82.0873% | 4,896 |
| Equity capital to assets | 10.5504% | 3,216 |
| Core capital (leverage) ratio | 9.7657% | 4,009 |
| Tier 1 risk-based capital ratio | 12.3732% | 5,532 |
| Total risk-based capital ratio | 13.7476% | 5,402 |
| Memoranda: | ||
| Average total assets | $1,416,725,250 | 476 |
| Average earning assets | $1,343,035,000 | 458 |
| Average equity | $147,563,250 | 499 |
| Average total loans | $1,087,757,500 | 400 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 3,254 |
| Cost of funding earning assets | 0.4529% | 4,404 |
| Net interest margin | 3.7744% | 2,660 |
| Noninterest income to average assets | 1.0915% | 1,282 |
| Noninterest expense to average assets | 2.6589% | 4,186 |
| Loan and lease loss provision to assets | 0.2195% | 1,730 |
| Net operating income to assets | 1.2349% | 1,501 |
| Return on assets (ROA) | 1.2673% | 1,510 |
| Pretax return on assets | 1.8335% | 855 |
| Return on Equity (ROE) | 12.2192% | 1,425 |
| Retained earnings to average equity (ytd only) | 4.8279% | 3,168 |
| Net charge-offs to loans | 0.1756% | 2,713 |
| Credit loss provision to net charge-offs | 163.8947% | 1,434 |
| Earnings coverage of net charge-offs (x) | 14.9800% | 1,784 |
| Efficiency ratio | 56.9969% | 5,854 |
| Assets per employee ($millions) | 7.4726% | 575 |
| Cash dividends to net income (ytd only)* | 60.4894% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 4,332 |
| Loan loss allowance to noncurrent loans | 84.9491% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.4101% | 2,990 |
| Noncurrent loans to loans | 1.5740% | 2,949 |
| Net loans and leases to total assets | 75.4929% | 1,042 |
| Net loans and leases to deposits | 94.8268% | 754 |
| Net loans and leases to core deposits | 98.9105% | 1,148 |
| Total domestic deposits to total assets | 79.6114% | 5,689 |
| Equity capital to assets | 10.3129% | 3,532 |
| Core capital (leverage) ratio | 9.5018% | 4,247 |
| Tier 1 risk-based capital ratio | 12.1754% | 5,697 |
| Total risk-based capital ratio | 13.5550% | 5,569 |
| Memoranda: | ||
| Average total assets | $1,418,795,000 | 473 |
| Average earning assets | $1,343,248,670 | 457 |
| Average equity | $147,146,000 | 503 |
| Average total loans | $1,081,760,670 | 398 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 3,469 |
| Cost of funding earning assets | 0.4578% | 4,504 |
| Net interest margin | 3.7024% | 2,843 |
| Noninterest income to average assets | 0.9749% | 1,538 |
| Noninterest expense to average assets | 2.4832% | 4,814 |
| Loan and lease loss provision to assets | 0.2835% | 1,243 |
| Net operating income to assets | 1.1908% | 1,550 |
| Return on assets (ROA) | 1.2506% | 1,501 |
| Pretax return on assets | 1.8050% | 876 |
| Return on Equity (ROE) | 12.0249% | 1,420 |
| Retained earnings to average equity (ytd only) | 6.6156% | 2,357 |
| Net charge-offs to loans | -0.0133% | 5,548 |
| Credit loss provision to net charge-offs | -2,800.0000% | 5,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3653% | 6,122 |
| Assets per employee ($millions) | 7.6037% | 591 |
| Cash dividends to net income (ytd only)* | 44.9843% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 4,392 |
| Loan loss allowance to noncurrent loans | 87.4934% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.2865% | 3,398 |
| Noncurrent loans to loans | 1.5624% | 3,198 |
| Net loans and leases to total assets | 74.7414% | 985 |
| Net loans and leases to deposits | 97.8830% | 449 |
| Net loans and leases to core deposits | 102.7123% | 788 |
| Total domestic deposits to total assets | 76.3579% | 6,324 |
| Equity capital to assets | 10.3527% | 3,732 |
| Core capital (leverage) ratio | 9.3971% | 4,245 |
| Tier 1 risk-based capital ratio | 11.8052% | 6,023 |
| Total risk-based capital ratio | 13.3078% | 5,834 |
| Memoranda: | ||
| Average total assets | $1,422,035,500 | 473 |
| Average earning assets | $1,348,215,000 | 456 |
| Average equity | $147,893,500 | 507 |
| Average total loans | $1,082,318,000 | 404 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5036% | 3,378 |
| Cost of funding earning assets | 0.5201% | 5,069 |
| Net interest margin | 3.9835% | 2,469 |
| Noninterest income to average assets | 1.0917% | 1,300 |
| Noninterest expense to average assets | 2.4942% | 5,118 |
| Loan and lease loss provision to assets | 0.2851% | 2,378 |
| Net operating income to assets | 1.4401% | 1,027 |
| Return on assets (ROA) | 1.4480% | 1,128 |
| Pretax return on assets | 2.1052% | 485 |
| Return on Equity (ROE) | 13.9537% | 1,002 |
| Retained earnings to average equity (ytd only) | 2.0260% | 4,800 |
| Net charge-offs to loans | 0.2901% | 3,202 |
| Credit loss provision to net charge-offs | 131.1713% | 2,134 |
| Earnings coverage of net charge-offs (x) | 10.9464% | 2,086 |
| Efficiency ratio | 51.1110% | 6,519 |
| Assets per employee ($millions) | 7.4443% | 639 |
| Cash dividends to net income (ytd only)* | 85.4804% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 4,705 |
| Loan loss allowance to noncurrent loans | 89.7782% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.2046% | 3,647 |
| Noncurrent loans to loans | 1.4334% | 3,444 |
| Net loans and leases to total assets | 75.4670% | 992 |
| Net loans and leases to deposits | 96.0344% | 612 |
| Net loans and leases to core deposits | 100.9187% | 965 |
| Total domestic deposits to total assets | 78.5833% | 5,973 |
| Equity capital to assets | 10.4486% | 3,589 |
| Core capital (leverage) ratio | 9.4541% | 4,176 |
| Tier 1 risk-based capital ratio | 11.8436% | 5,880 |
| Total risk-based capital ratio | 13.3511% | 5,686 |
| Memoranda: | ||
| Average total assets | $1,426,001,000 | 473 |
| Average earning assets | $1,353,658,400 | 451 |
| Average equity | $147,974,800 | 491 |
| Average total loans | $1,068,133,800 | 402 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5646% | 3,362 |
| Cost of funding earning assets | 0.5342% | 5,219 |
| Net interest margin | 4.0303% | 2,381 |
| Noninterest income to average assets | 1.0760% | 1,303 |
| Noninterest expense to average assets | 2.4785% | 5,147 |
| Loan and lease loss provision to assets | 0.2027% | 3,054 |
| Net operating income to assets | 1.5208% | 982 |
| Return on assets (ROA) | 1.5230% | 1,088 |
| Pretax return on assets | 2.2195% | 462 |
| Return on Equity (ROE) | 14.7015% | 955 |
| Retained earnings to average equity (ytd only) | 2.4225% | 5,123 |
| Net charge-offs to loans | 0.2071% | 3,489 |
| Credit loss provision to net charge-offs | 131.3406% | 2,189 |
| Earnings coverage of net charge-offs (x) | 15.6752% | 1,741 |
| Efficiency ratio | 50.5356% | 6,543 |
| Assets per employee ($millions) | 7.4566% | 611 |
| Cash dividends to net income (ytd only)* | 83.5220% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 5,064 |
| Loan loss allowance to noncurrent loans | 90.3968% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.1381% | 4,012 |
| Noncurrent loans to loans | 1.3776% | 3,726 |
| Net loans and leases to total assets | 75.3722% | 1,066 |
| Net loans and leases to deposits | 94.2139% | 778 |
| Net loans and leases to core deposits | 99.1781% | 1,179 |
| Total domestic deposits to total assets | 80.0012% | 5,654 |
| Equity capital to assets | 10.4826% | 3,865 |
| Core capital (leverage) ratio | 9.2749% | 4,630 |
| Tier 1 risk-based capital ratio | 11.8002% | 6,057 |
| Total risk-based capital ratio | 13.2917% | 5,901 |
| Memoranda: | ||
| Average total assets | $1,430,758,750 | 466 |
| Average earning assets | $1,356,652,500 | 446 |
| Average equity | $148,216,500 | 488 |
| Average total loans | $1,066,257,250 | 402 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 3,357 |
| Cost of funding earning assets | 0.5449% | 5,334 |
| Net interest margin | 4.0556% | 2,265 |
| Noninterest income to average assets | 1.1001% | 1,183 |
| Noninterest expense to average assets | 2.4812% | 5,204 |
| Loan and lease loss provision to assets | 0.1031% | 4,234 |
| Net operating income to assets | 1.6093% | 822 |
| Return on assets (ROA) | 1.6125% | 910 |
| Pretax return on assets | 2.3613% | 371 |
| Return on Equity (ROE) | 15.6263% | 832 |
| Retained earnings to average equity (ytd only) | 8.0106% | 1,637 |
| Net charge-offs to loans | 0.2814% | 2,914 |
| Credit loss provision to net charge-offs | 49.5321% | 4,046 |
| Earnings coverage of net charge-offs (x) | 11.8209% | 1,933 |
| Efficiency ratio | 50.1478% | 6,635 |
| Assets per employee ($millions) | 7.4955% | 585 |
| Cash dividends to net income (ytd only)* | 48.7363% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 5,626 |
| Loan loss allowance to noncurrent loans | 97.2169% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.9725% | 4,428 |
| Noncurrent loans to loans | 1.1664% | 4,207 |
| Net loans and leases to total assets | 74.9962% | 1,101 |
| Net loans and leases to deposits | 98.6555% | 490 |
| Net loans and leases to core deposits | 103.5269% | 889 |
| Total domestic deposits to total assets | 76.0183% | 6,455 |
| Equity capital to assets | 10.6807% | 3,478 |
| Core capital (leverage) ratio | 9.4526% | 4,212 |
| Tier 1 risk-based capital ratio | 12.1206% | 5,855 |
| Total risk-based capital ratio | 13.4980% | 5,736 |
| Memoranda: | ||
| Average total assets | $1,437,914,000 | 466 |
| Average earning assets | $1,361,781,000 | 445 |
| Average equity | $148,378,330 | 486 |
| Average total loans | $1,063,139,670 | 402 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 3,414 |
| Cost of funding earning assets | 0.5643% | 5,398 |
| Net interest margin | 4.0555% | 2,274 |
| Noninterest income to average assets | 1.2053% | 991 |
| Noninterest expense to average assets | 2.4083% | 5,444 |
| Loan and lease loss provision to assets | 0.1686% | 3,285 |
| Net operating income to assets | 1.6732% | 756 |
| Return on assets (ROA) | 1.6768% | 838 |
| Pretax return on assets | 2.4637% | 349 |
| Return on Equity (ROE) | 16.5307% | 739 |
| Retained earnings to average equity (ytd only) | 9.0636% | 1,567 |
| Net charge-offs to loans | 0.1803% | 3,018 |
| Credit loss provision to net charge-offs | 128.0335% | 1,890 |
| Earnings coverage of net charge-offs (x) | 19.9540% | 1,206 |
| Efficiency ratio | 47.7574% | 6,821 |
| Assets per employee ($millions) | 7.7199% | 553 |
| Cash dividends to net income (ytd only)* | 45.1708% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 5,380 |
| Loan loss allowance to noncurrent loans | 101.9033% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.9854% | 4,533 |
| Noncurrent loans to loans | 1.2009% | 4,329 |
| Net loans and leases to total assets | 72.3519% | 1,338 |
| Net loans and leases to deposits | 96.5614% | 508 |
| Net loans and leases to core deposits | 101.2613% | 903 |
| Total domestic deposits to total assets | 74.9283% | 6,653 |
| Equity capital to assets | 10.2659% | 3,771 |
| Core capital (leverage) ratio | 9.1424% | 4,620 |
| Tier 1 risk-based capital ratio | 11.8353% | 6,061 |
| Total risk-based capital ratio | 13.4178% | 5,826 |
| Memoranda: | ||
| Average total assets | $1,452,293,500 | 461 |
| Average earning assets | $1,371,554,000 | 442 |
| Average equity | $147,314,000 | 484 |
| Average total loans | $1,060,242,500 | 403 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8759% | 3,473 |
| Cost of funding earning assets | 0.7119% | 5,461 |
| Net interest margin | 4.1640% | 2,179 |
| Noninterest income to average assets | 0.9605% | 1,471 |
| Noninterest expense to average assets | 2.3947% | 5,787 |
| Loan and lease loss provision to assets | 0.4223% | 2,480 |
| Net operating income to assets | 1.4233% | 982 |
| Return on assets (ROA) | 1.4578% | 989 |
| Pretax return on assets | 2.1428% | 412 |
| Return on Equity (ROE) | 14.6291% | 806 |
| Retained earnings to average equity (ytd only) | 7.4486% | 1,290 |
| Net charge-offs to loans | 0.5135% | 2,935 |
| Credit loss provision to net charge-offs | 113.2086% | 2,908 |
| Earnings coverage of net charge-offs (x) | 6.7400% | 2,459 |
| Efficiency ratio | 48.5963% | 6,912 |
| Assets per employee ($millions) | 7.2301% | 646 |
| Cash dividends to net income (ytd only)* | 49.0836% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 5,307 |
| Loan loss allowance to noncurrent loans | 102.0287% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.9656% | 4,671 |
| Noncurrent loans to loans | 1.1934% | 4,382 |
| Net loans and leases to total assets | 71.8755% | 1,668 |
| Net loans and leases to deposits | 96.8765% | 633 |
| Net loans and leases to core deposits | 101.7782% | 1,046 |
| Total domestic deposits to total assets | 74.1929% | 6,694 |
| Equity capital to assets | 10.0213% | 4,143 |
| Core capital (leverage) ratio | 8.8958% | 4,951 |
| Tier 1 risk-based capital ratio | 11.3973% | 6,218 |
| Total risk-based capital ratio | 12.9502% | 6,011 |
| Memoranda: | ||
| Average total assets | $1,418,501,000 | 472 |
| Average earning assets | $1,345,155,600 | 445 |
| Average equity | $141,355,200 | 492 |
| Average total loans | $1,030,533,600 | 412 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9198% | 3,473 |
| Cost of funding earning assets | 0.7355% | 5,558 |
| Net interest margin | 4.1843% | 2,164 |
| Noninterest income to average assets | 0.9674% | 1,428 |
| Noninterest expense to average assets | 2.4089% | 5,745 |
| Loan and lease loss provision to assets | 0.3267% | 2,919 |
| Net operating income to assets | 1.4959% | 946 |
| Return on assets (ROA) | 1.5278% | 963 |
| Pretax return on assets | 2.2537% | 394 |
| Return on Equity (ROE) | 15.3540% | 775 |
| Retained earnings to average equity (ytd only) | 8.5585% | 1,295 |
| Net charge-offs to loans | 0.2874% | 3,653 |
| Credit loss provision to net charge-offs | 156.5473% | 1,981 |
| Earnings coverage of net charge-offs (x) | 12.1382% | 1,734 |
| Efficiency ratio | 48.5553% | 6,918 |
| Assets per employee ($millions) | 7.1187% | 696 |
| Cash dividends to net income (ytd only)* | 44.2588% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 5,042 |
| Loan loss allowance to noncurrent loans | 76.9019% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.2976% | 4,214 |
| Noncurrent loans to loans | 1.6813% | 3,783 |
| Net loans and leases to total assets | 71.2688% | 1,850 |
| Net loans and leases to deposits | 91.8125% | 1,027 |
| Net loans and leases to core deposits | 96.5386% | 1,550 |
| Total domestic deposits to total assets | 77.6243% | 6,269 |
| Equity capital to assets | 10.1200% | 4,187 |
| Core capital (leverage) ratio | 8.9623% | 4,993 |
| Tier 1 risk-based capital ratio | 11.5942% | 6,175 |
| Total risk-based capital ratio | 13.2359% | 5,892 |
| Memoranda: | ||
| Average total assets | $1,409,812,500 | 476 |
| Average earning assets | $1,339,276,500 | 449 |
| Average equity | $140,285,250 | 503 |
| Average total loans | $1,023,814,750 | 415 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9502% | 3,396 |
| Cost of funding earning assets | 0.7597% | 5,626 |
| Net interest margin | 4.1905% | 2,075 |
| Noninterest income to average assets | 0.9773% | 1,384 |
| Noninterest expense to average assets | 2.4031% | 5,833 |
| Loan and lease loss provision to assets | 0.3506% | 2,681 |
| Net operating income to assets | 1.4894% | 911 |
| Return on assets (ROA) | 1.5375% | 875 |
| Pretax return on assets | 2.2709% | 366 |
| Return on Equity (ROE) | 15.5422% | 715 |
| Retained earnings to average equity (ytd only) | 8.6849% | 1,210 |
| Net charge-offs to loans | 0.2956% | 3,396 |
| Credit loss provision to net charge-offs | 163.0146% | 1,857 |
| Earnings coverage of net charge-offs (x) | 11.8592% | 1,667 |
| Efficiency ratio | 48.3265% | 7,041 |
| Assets per employee ($millions) | 6.8678% | 780 |
| Cash dividends to net income (ytd only)* | 44.1204% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 5,185 |
| Loan loss allowance to noncurrent loans | 74.1777% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.3314% | 4,235 |
| Noncurrent loans to loans | 1.7151% | 3,866 |
| Net loans and leases to total assets | 72.6981% | 1,646 |
| Net loans and leases to deposits | 93.9407% | 877 |
| Net loans and leases to core deposits | 99.2589% | 1,408 |
| Total domestic deposits to total assets | 77.3872% | 6,399 |
| Equity capital to assets | 10.1709% | 3,914 |
| Core capital (leverage) ratio | 8.7835% | 5,073 |
| Tier 1 risk-based capital ratio | 11.4369% | 6,217 |
| Total risk-based capital ratio | 13.0806% | 5,896 |
| Memoranda: | ||
| Average total assets | $1,400,424,000 | 485 |
| Average earning assets | $1,328,908,000 | 461 |
| Average equity | $138,539,000 | 511 |
| Average total loans | $1,019,001,670 | 425 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9621% | 3,282 |
| Cost of funding earning assets | 0.7804% | 5,669 |
| Net interest margin | 4.1817% | 1,960 |
| Noninterest income to average assets | 0.9982% | 1,334 |
| Noninterest expense to average assets | 2.4389% | 5,769 |
| Loan and lease loss provision to assets | 0.4454% | 1,981 |
| Net operating income to assets | 1.4018% | 1,060 |
| Return on assets (ROA) | 1.4982% | 924 |
| Pretax return on assets | 2.2098% | 394 |
| Return on Equity (ROE) | 15.3604% | 767 |
| Retained earnings to average equity (ytd only) | 8.7698% | 1,465 |
| Net charge-offs to loans | 0.2271% | 3,177 |
| Credit loss provision to net charge-offs | 271.1304% | 1,159 |
| Earnings coverage of net charge-offs (x) | 15.3009% | 1,325 |
| Efficiency ratio | 49.0626% | 7,058 |
| Assets per employee ($millions) | 6.8479% | 795 |
| Cash dividends to net income (ytd only)* | 42.9062% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 5,140 |
| Loan loss allowance to noncurrent loans | 76.1706% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.3333% | 4,299 |
| Noncurrent loans to loans | 1.7042% | 3,935 |
| Net loans and leases to total assets | 71.6279% | 1,791 |
| Net loans and leases to deposits | 90.9957% | 1,123 |
| Net loans and leases to core deposits | 96.1488% | 1,662 |
| Total domestic deposits to total assets | 78.7157% | 6,254 |
| Equity capital to assets | 9.8697% | 3,938 |
| Core capital (leverage) ratio | 8.5405% | 5,370 |
| Tier 1 risk-based capital ratio | 11.3294% | 6,226 |
| Total risk-based capital ratio | 13.1155% | 5,813 |
| Memoranda: | ||
| Average total assets | $1,400,116,000 | 490 |
| Average earning assets | $1,323,954,000 | 471 |
| Average equity | $136,559,000 | 511 |
| Average total loans | $1,012,675,500 | 434 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0646% | 4,266 |
| Cost of funding earning assets | 1.0268% | 5,552 |
| Net interest margin | 4.0378% | 2,852 |
| Noninterest income to average assets | 0.9221% | 1,769 |
| Noninterest expense to average assets | 2.3771% | 6,149 |
| Loan and lease loss provision to assets | 0.2905% | 4,470 |
| Net operating income to assets | 1.4020% | 948 |
| Return on assets (ROA) | 1.4478% | 927 |
| Pretax return on assets | 2.1575% | 356 |
| Return on Equity (ROE) | 16.0513% | 578 |
| Retained earnings to average equity (ytd only) | 5.5923% | 2,066 |
| Net charge-offs to loans | 0.4208% | 3,934 |
| Credit loss provision to net charge-offs | 97.1143% | 4,780 |
| Earnings coverage of net charge-offs (x) | 7.9544% | 2,036 |
| Efficiency ratio | 49.7856% | 7,140 |
| Assets per employee ($millions) | 6.8119% | 815 |
| Cash dividends to net income (ytd only)* | 65.1599% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 5,498 |
| Loan loss allowance to noncurrent loans | 65.2607% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.4047% | 4,238 |
| Noncurrent loans to loans | 1.8446% | 3,758 |
| Net loans and leases to total assets | 71.2194% | 2,256 |
| Net loans and leases to deposits | 91.1960% | 1,372 |
| Net loans and leases to core deposits | 96.6792% | 1,925 |
| Total domestic deposits to total assets | 78.0948% | 6,294 |
| Equity capital to assets | 9.6376% | 4,226 |
| Core capital (leverage) ratio | 8.3300% | 5,643 |
| Tier 1 risk-based capital ratio | 10.9664% | 6,349 |
| Total risk-based capital ratio | 12.6637% | 5,978 |
| Memoranda: | ||
| Average total assets | $1,436,359,800 | 470 |
| Average earning assets | $1,364,074,800 | 449 |
| Average equity | $129,553,000 | 526 |
| Average total loans | $1,021,253,600 | 439 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0815% | 4,420 |
| Cost of funding earning assets | 1.0770% | 5,560 |
| Net interest margin | 4.0044% | 3,086 |
| Noninterest income to average assets | 0.9017% | 1,791 |
| Noninterest expense to average assets | 2.3360% | 6,217 |
| Loan and lease loss provision to assets | 0.3228% | 4,006 |
| Net operating income to assets | 1.3825% | 1,142 |
| Return on assets (ROA) | 1.4320% | 1,121 |
| Pretax return on assets | 2.1268% | 477 |
| Return on Equity (ROE) | 16.1456% | 687 |
| Retained earnings to average equity (ytd only) | 3.0863% | 4,274 |
| Net charge-offs to loans | 0.2454% | 4,469 |
| Credit loss provision to net charge-offs | 185.6688% | 1,940 |
| Earnings coverage of net charge-offs (x) | 13.6629% | 1,569 |
| Efficiency ratio | 49.3908% | 7,192 |
| Assets per employee ($millions) | 6.8688% | 811 |
| Cash dividends to net income (ytd only)* | 80.8843% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 4,676 |
| Loan loss allowance to noncurrent loans | 68.1807% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.4401% | 4,294 |
| Noncurrent loans to loans | 1.9927% | 3,693 |
| Net loans and leases to total assets | 71.0539% | 2,476 |
| Net loans and leases to deposits | 88.5992% | 1,926 |
| Net loans and leases to core deposits | 94.6706% | 2,428 |
| Total domestic deposits to total assets | 80.1971% | 5,639 |
| Equity capital to assets | 9.3712% | 5,025 |
| Core capital (leverage) ratio | 7.7189% | 6,652 |
| Tier 1 risk-based capital ratio | 10.6493% | 6,674 |
| Total risk-based capital ratio | 12.4372% | 6,201 |
| Memoranda: | ||
| Average total assets | $1,444,635,000 | 462 |
| Average earning assets | $1,374,504,250 | 445 |
| Average equity | $128,131,000 | 518 |
| Average total loans | $1,023,674,750 | 436 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0844% | 4,537 |
| Cost of funding earning assets | 1.1325% | 5,499 |
| Net interest margin | 3.9520% | 3,234 |
| Noninterest income to average assets | 0.8486% | 1,890 |
| Noninterest expense to average assets | 2.3405% | 6,245 |
| Loan and lease loss provision to assets | 0.2479% | 4,443 |
| Net operating income to assets | 1.3603% | 1,170 |
| Return on assets (ROA) | 1.3791% | 1,197 |
| Pretax return on assets | 2.0490% | 551 |
| Return on Equity (ROE) | 15.8416% | 722 |
| Retained earnings to average equity (ytd only) | -4.0118% | 6,441 |
| Net charge-offs to loans | 0.0401% | 5,812 |
| Credit loss provision to net charge-offs | 878.0488% | 429 |
| Earnings coverage of net charge-offs (x) | 80.3610% | 394 |
| Efficiency ratio | 50.5871% | 7,188 |
| Assets per employee ($millions) | 6.9499% | 790 |
| Cash dividends to net income (ytd only)* | 125.3245% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 4,500 |
| Loan loss allowance to noncurrent loans | 75.2630% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.3198% | 4,513 |
| Noncurrent loans to loans | 1.8397% | 3,950 |
| Net loans and leases to total assets | 69.1177% | 3,100 |
| Net loans and leases to deposits | 86.5461% | 2,424 |
| Net loans and leases to core deposits | 96.4712% | 2,395 |
| Total domestic deposits to total assets | 79.8623% | 5,770 |
| Equity capital to assets | 8.9122% | 5,586 |
| Core capital (leverage) ratio | 7.3022% | 6,997 |
| Tier 1 risk-based capital ratio | 10.2163% | 6,901 |
| Total risk-based capital ratio | 12.0097% | 6,465 |
| Memoranda: | ||
| Average total assets | $1,452,232,000 | 460 |
| Average earning assets | $1,381,942,000 | 443 |
| Average equity | $126,426,670 | 523 |
| Average total loans | $1,023,502,670 | 440 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0905% | 4,575 |
| Cost of funding earning assets | 1.2072% | 5,364 |
| Net interest margin | 3.8833% | 3,399 |
| Noninterest income to average assets | 0.7986% | 2,028 |
| Noninterest expense to average assets | 2.3737% | 6,181 |
| Loan and lease loss provision to assets | 0.3306% | 3,415 |
| Net operating income to assets | 1.2140% | 1,501 |
| Return on assets (ROA) | 1.2338% | 1,523 |
| Pretax return on assets | 1.8206% | 849 |
| Return on Equity (ROE) | 14.3427% | 984 |
| Retained earnings to average equity (ytd only) | -25.8451% | 7,475 |
| Net charge-offs to loans | 0.0526% | 4,881 |
| Credit loss provision to net charge-offs | 888.8889% | 522 |
| Earnings coverage of net charge-offs (x) | 57.0593% | 519 |
| Efficiency ratio | 52.6042% | 7,092 |
| Assets per employee ($millions) | 7.0001% | 812 |
| Cash dividends to net income (ytd only)* | 280.1965% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 4,921 |
| Loan loss allowance to noncurrent loans | 78.5588% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.2037% | 4,765 |
| Noncurrent loans to loans | 1.6583% | 4,258 |
| Net loans and leases to total assets | 69.1001% | 3,136 |
| Net loans and leases to deposits | 85.6905% | 2,648 |
| Net loans and leases to core deposits | 96.7342% | 2,494 |
| Total domestic deposits to total assets | 80.6391% | 5,576 |
| Equity capital to assets | 8.3065% | 6,292 |
| Core capital (leverage) ratio | 7.0060% | 7,243 |
| Tier 1 risk-based capital ratio | 9.5851% | 7,258 |
| Total risk-based capital ratio | 11.5065% | 6,838 |
| Memoranda: | ||
| Average total assets | $1,452,080,000 | 475 |
| Average earning assets | $1,382,422,500 | 462 |
| Average equity | $124,913,500 | 537 |
| Average total loans | $1,026,226,000 | 461 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3679% | 4,846 |
| Cost of funding earning assets | 1.6642% | 4,707 |
| Net interest margin | 3.7037% | 4,129 |
| Noninterest income to average assets | 0.9278% | 1,839 |
| Noninterest expense to average assets | 2.4293% | 6,375 |
| Loan and lease loss provision to assets | 0.3302% | 4,835 |
| Net operating income to assets | 1.1537% | 1,378 |
| Return on assets (ROA) | 1.2669% | 1,157 |
| Pretax return on assets | 1.8573% | 564 |
| Return on Equity (ROE) | 14.5350% | 712 |
| Retained earnings to average equity (ytd only) | 0.7609% | 4,476 |
| Net charge-offs to loans | 0.3716% | 4,354 |
| Credit loss provision to net charge-offs | 125.4902% | 4,164 |
| Earnings coverage of net charge-offs (x) | 7.6800% | 2,094 |
| Efficiency ratio | 54.3650% | 7,191 |
| Assets per employee ($millions) | 6.5806% | 959 |
| Cash dividends to net income (ytd only)* | 94.7649% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 5,388 |
| Loan loss allowance to noncurrent loans | 103.8234% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 5,103 |
| Noncurrent loans to loans | 1.1523% | 5,029 |
| Net loans and leases to total assets | 70.4900% | 3,133 |
| Net loans and leases to deposits | 89.3564% | 2,326 |
| Net loans and leases to core deposits | 107.4825% | 3,159 |
| Total domestic deposits to total assets | 78.8864% | 6,009 |
| Equity capital to assets | 8.9027% | 5,274 |
| Core capital (leverage) ratio | 7.5630% | 6,726 |
| Tier 1 risk-based capital ratio | 10.3296% | 6,556 |
| Total risk-based capital ratio | 12.1936% | 5,947 |
| Memoranda: | ||
| Average total assets | $1,453,487,400 | 468 |
| Average earning assets | $1,382,362,600 | 451 |
| Average equity | $126,687,200 | 526 |
| Average total loans | $1,029,340,400 | 468 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3874% | 5,010 |
| Cost of funding earning assets | 1.7479% | 4,646 |
| Net interest margin | 3.6396% | 4,324 |
| Noninterest income to average assets | 0.9176% | 1,912 |
| Noninterest expense to average assets | 2.4287% | 6,318 |
| Loan and lease loss provision to assets | 0.3295% | 4,361 |
| Net operating income to assets | 1.0950% | 1,746 |
| Return on assets (ROA) | 1.2267% | 1,463 |
| Pretax return on assets | 1.8129% | 781 |
| Return on Equity (ROE) | 14.1487% | 900 |
| Retained earnings to average equity (ytd only) | 0.5290% | 4,989 |
| Net charge-offs to loans | 0.4413% | 3,477 |
| Credit loss provision to net charge-offs | 105.6338% | 4,812 |
| Earnings coverage of net charge-offs (x) | 6.2471% | 2,634 |
| Efficiency ratio | 55.2570% | 7,093 |
| Assets per employee ($millions) | 6.6468% | 924 |
| Cash dividends to net income (ytd only)* | 96.2615% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 5,698 |
| Loan loss allowance to noncurrent loans | 102.2778% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.9140% | 5,246 |
| Noncurrent loans to loans | 1.0798% | 5,148 |
| Net loans and leases to total assets | 69.8859% | 3,547 |
| Net loans and leases to deposits | 89.4032% | 2,695 |
| Net loans and leases to core deposits | 106.4582% | 3,649 |
| Total domestic deposits to total assets | 78.1693% | 6,032 |
| Equity capital to assets | 8.8654% | 5,683 |
| Core capital (leverage) ratio | 7.4986% | 6,972 |
| Tier 1 risk-based capital ratio | 10.2208% | 6,761 |
| Total risk-based capital ratio | 11.9989% | 6,168 |
| Memoranda: | ||
| Average total assets | $1,456,573,250 | 484 |
| Average earning assets | $1,384,669,000 | 464 |
| Average equity | $126,283,750 | 539 |
| Average total loans | $1,029,634,750 | 484 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4424% | 4,928 |
| Cost of funding earning assets | 1.8458% | 4,535 |
| Net interest margin | 3.5967% | 4,373 |
| Noninterest income to average assets | 0.9459% | 1,774 |
| Noninterest expense to average assets | 2.4793% | 6,182 |
| Loan and lease loss provision to assets | 0.3295% | 3,962 |
| Net operating income to assets | 1.0510% | 1,940 |
| Return on assets (ROA) | 1.1838% | 1,611 |
| Pretax return on assets | 1.7445% | 944 |
| Return on Equity (ROE) | 13.7569% | 1,035 |
| Retained earnings to average equity (ytd only) | 0.4355% | 5,042 |
| Net charge-offs to loans | 0.5144% | 2,782 |
| Credit loss provision to net charge-offs | 90.6002% | 4,905 |
| Earnings coverage of net charge-offs (x) | 5.1665% | 2,900 |
| Efficiency ratio | 56.6654% | 7,030 |
| Assets per employee ($millions) | 6.6846% | 895 |
| Cash dividends to net income (ytd only)* | 96.8340% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 5,767 |
| Loan loss allowance to noncurrent loans | 102.1173% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.8863% | 5,214 |
| Noncurrent loans to loans | 1.0503% | 5,114 |
| Net loans and leases to total assets | 68.3536% | 4,096 |
| Net loans and leases to deposits | 91.5930% | 2,552 |
| Net loans and leases to core deposits | 111.6388% | 3,189 |
| Total domestic deposits to total assets | 74.6275% | 6,837 |
| Equity capital to assets | 8.5111% | 6,029 |
| Core capital (leverage) ratio | 7.3498% | 7,191 |
| Tier 1 risk-based capital ratio | 9.8391% | 7,090 |
| Total risk-based capital ratio | 11.5140% | 6,566 |
| Memoranda: | ||
| Average total assets | $1,456,884,330 | 495 |
| Average earning assets | $1,382,171,670 | 475 |
| Average equity | $125,362,330 | 550 |
| Average total loans | $1,029,964,000 | 498 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4563% | 5,140 |
| Cost of funding earning assets | 1.8947% | 4,648 |
| Net interest margin | 3.5616% | 4,482 |
| Noninterest income to average assets | 0.8931% | 1,883 |
| Noninterest expense to average assets | 2.3555% | 6,351 |
| Loan and lease loss provision to assets | 0.3318% | 3,335 |
| Net operating income to assets | 1.0925% | 1,984 |
| Return on assets (ROA) | 1.2426% | 1,636 |
| Pretax return on assets | 1.8252% | 933 |
| Return on Equity (ROE) | 14.3606% | 1,096 |
| Retained earnings to average equity (ytd only) | 1.8981% | 4,798 |
| Net charge-offs to loans | 0.0998% | 4,179 |
| Credit loss provision to net charge-offs | 465.1163% | 1,142 |
| Earnings coverage of net charge-offs (x) | 27.1434% | 1,146 |
| Efficiency ratio | 54.6515% | 7,154 |
| Assets per employee ($millions) | 6.6136% | 907 |
| Cash dividends to net income (ytd only)* | 86.7824% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 4,916 |
| Loan loss allowance to noncurrent loans | 202.9744% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 6,228 |
| Noncurrent loans to loans | 0.5826% | 5,940 |
| Net loans and leases to total assets | 69.2113% | 3,867 |
| Net loans and leases to deposits | 90.4196% | 2,865 |
| Net loans and leases to core deposits | 107.9488% | 3,689 |
| Total domestic deposits to total assets | 76.5446% | 6,391 |
| Equity capital to assets | 8.5549% | 5,985 |
| Core capital (leverage) ratio | 7.5620% | 7,076 |
| Tier 1 risk-based capital ratio | 10.1597% | 6,752 |
| Total risk-based capital ratio | 11.9960% | 6,050 |
| Memoranda: | ||
| Average total assets | $1,446,673,000 | 500 |
| Average earning assets | $1,380,499,500 | 479 |
| Average equity | $125,176,000 | 545 |
| Average total loans | $1,034,576,000 | 502 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9193% | 5,947 |
| Cost of funding earning assets | 2.1296% | 5,930 |
| Net interest margin | 3.7898% | 4,065 |
| Noninterest income to average assets | 0.9102% | 1,919 |
| Noninterest expense to average assets | 2.1639% | 7,080 |
| Loan and lease loss provision to assets | 0.2506% | 4,410 |
| Net operating income to assets | 1.3843% | 1,269 |
| Return on assets (ROA) | 1.4294% | 1,123 |
| Pretax return on assets | 2.1228% | 465 |
| Return on Equity (ROE) | 16.7391% | 667 |
| Retained earnings to average equity (ytd only) | 2.1623% | 3,880 |
| Net charge-offs to loans | 0.1972% | 4,221 |
| Credit loss provision to net charge-offs | 175.5072% | 2,897 |
| Earnings coverage of net charge-offs (x) | 16.1475% | 1,865 |
| Efficiency ratio | 48.1377% | 7,789 |
| Assets per employee ($millions) | 6.2490% | 1,010 |
| Cash dividends to net income (ytd only)* | 87.0823% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 5,361 |
| Loan loss allowance to noncurrent loans | 203.7780% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 6,067 |
| Noncurrent loans to loans | 0.5339% | 5,756 |
| Net loans and leases to total assets | 72.2526% | 3,528 |
| Net loans and leases to deposits | 98.3125% | 2,083 |
| Net loans and leases to core deposits | 111.1038% | 3,666 |
| Total domestic deposits to total assets | 73.4928% | 6,742 |
| Equity capital to assets | 8.7543% | 5,723 |
| Core capital (leverage) ratio | 7.6047% | 7,069 |
| Tier 1 risk-based capital ratio | 10.2080% | 6,507 |
| Total risk-based capital ratio | 11.9730% | 5,889 |
| Memoranda: | ||
| Average total assets | $1,415,145,400 | 489 |
| Average earning assets | $1,329,241,400 | 476 |
| Average equity | $120,842,600 | 561 |
| Average total loans | $1,025,049,000 | 482 |