Home > Landmark Bank > Performance and Condition Ratios
Landmark Bank, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8355% | 5,171 |
| Cost of funding earning assets | 0.1694% | 5,017 |
| Net interest margin | 0.6662% | 5,167 |
| Noninterest income to average assets | 0.2089% | 4,414 |
| Noninterest expense to average assets | 0.8114% | 5,139 |
| Loan and lease loss provision to assets | 0.0361% | 3,287 |
| Net operating income to assets | -0.0148% | 4,975 |
| Return on assets (ROA) | -0.0148% | 4,996 |
| Pretax return on assets | -0.0196% | 4,984 |
| Return on Equity (ROE) | -0.1558% | 4,998 |
| Retained earnings to average equity (ytd only) | -0.2091% | 4,732 |
| Net charge-offs to loans | 0.0180% | 3,071 |
| Credit loss provision to net charge-offs | 327.4725% | 850 |
| Earnings coverage of net charge-offs (x) | 1.5027% | 3,529 |
| Efficiency ratio | 96.8145% | 197 |
| Assets per employee ($millions) | 6.3050% | 1,414 |
| Cash dividends to net income (ytd only)* | -34.2213% | 5,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0416% | 5,116 |
| Loan loss allowance to noncurrent loans | 8.9873% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 3,367 |
| Noncurrent loans to loans | 0.4626% | 2,790 |
| Net loans and leases to total assets | 55.9878% | 3,922 |
| Net loans and leases to deposits | 64.6378% | 4,032 |
| Net loans and leases to core deposits | 79.8223% | 3,306 |
| Total domestic deposits to total assets | 86.6179% | 1,796 |
| Equity capital to assets | 12.6529% | 1,733 |
| Core capital (leverage) ratio | 8.8432% | 4,643 |
| Tier 1 risk-based capital ratio | 13.8286% | 3,352 |
| Total risk-based capital ratio | 13.8935% | 3,870 |
| Memoranda: | ||
| Average total assets | $3,298,540,800 | 299 |
| Average earning assets | $3,065,096,200 | 292 |
| Average equity | $313,194,000 | 335 |
| Average total loans | $2,020,533,400 | 322 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 3,838 |
| Cost of funding earning assets | 1.1390% | 1,213 |
| Net interest margin | 3.0986% | 4,477 |
| Noninterest income to average assets | 1.2094% | 628 |
| Noninterest expense to average assets | 2.7651% | 2,672 |
| Loan and lease loss provision to assets | 0.0227% | 3,458 |
| Net operating income to assets | 1.1517% | 2,358 |
| Return on assets (ROA) | 1.1536% | 2,442 |
| Pretax return on assets | 1.3336% | 2,555 |
| Return on Equity (ROE) | 13.3719% | 1,152 |
| Retained earnings to average equity (ytd only) | 9.9111% | 772 |
| Net charge-offs to loans | 0.0756% | 1,739 |
| Credit loss provision to net charge-offs | 47.8261% | 2,808 |
| Earnings coverage of net charge-offs (x) | 28.5616% | 1,681 |
| Efficiency ratio | 67.1274% | 2,565 |
| Assets per employee ($millions) | 5.2332% | 2,301 |
| Cash dividends to net income (ytd only)* | 25.8809% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 2,830 |
| Loan loss allowance to noncurrent loans | 277.9902% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 3,486 |
| Noncurrent loans to loans | 0.4098% | 3,081 |
| Net loans and leases to total assets | 61.6211% | 3,533 |
| Net loans and leases to deposits | 68.5852% | 3,878 |
| Net loans and leases to core deposits | 85.6071% | 2,942 |
| Total domestic deposits to total assets | 89.8461% | 326 |
| Equity capital to assets | 9.0156% | 4,773 |
| Core capital (leverage) ratio | 8.6103% | 4,884 |
| Tier 1 risk-based capital ratio | 12.6381% | 4,065 |
| Total risk-based capital ratio | 13.7074% | 4,054 |
| Memoranda: | ||
| Average total assets | $3,234,164,750 | 305 |
| Average earning assets | $3,037,048,000 | 298 |
| Average equity | $279,007,000 | 369 |
| Average total loans | $2,027,721,500 | 323 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2192% | 3,874 |
| Cost of funding earning assets | 1.1270% | 1,209 |
| Net interest margin | 3.0921% | 4,549 |
| Noninterest income to average assets | 1.1495% | 645 |
| Noninterest expense to average assets | 2.7888% | 2,635 |
| Loan and lease loss provision to assets | 0.0342% | 3,142 |
| Net operating income to assets | 1.0444% | 2,747 |
| Return on assets (ROA) | 1.0469% | 2,808 |
| Pretax return on assets | 1.2317% | 2,808 |
| Return on Equity (ROE) | 12.3235% | 1,468 |
| Retained earnings to average equity (ytd only) | 8.7937% | 1,096 |
| Net charge-offs to loans | 0.0720% | 1,645 |
| Credit loss provision to net charge-offs | 75.5495% | 2,268 |
| Earnings coverage of net charge-offs (x) | 27.9299% | 1,524 |
| Efficiency ratio | 68.8316% | 2,401 |
| Assets per employee ($millions) | 4.7687% | 2,787 |
| Cash dividends to net income (ytd only)* | 28.6426% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 2,811 |
| Loan loss allowance to noncurrent loans | 289.5136% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 3,569 |
| Noncurrent loans to loans | 0.3955% | 3,111 |
| Net loans and leases to total assets | 62.1460% | 3,531 |
| Net loans and leases to deposits | 68.9049% | 3,910 |
| Net loans and leases to core deposits | 85.3375% | 3,011 |
| Total domestic deposits to total assets | 90.1910% | 287 |
| Equity capital to assets | 8.6569% | 4,974 |
| Core capital (leverage) ratio | 8.4383% | 4,987 |
| Tier 1 risk-based capital ratio | 12.1450% | 4,334 |
| Total risk-based capital ratio | 13.2243% | 4,318 |
| Memoranda: | ||
| Average total assets | $3,220,220,000 | 306 |
| Average earning assets | $3,022,299,000 | 301 |
| Average equity | $273,559,330 | 374 |
| Average total loans | $2,022,971,330 | 326 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 3,871 |
| Cost of funding earning assets | 1.0835% | 1,240 |
| Net interest margin | 3.1150% | 4,564 |
| Noninterest income to average assets | 1.0194% | 761 |
| Noninterest expense to average assets | 2.7898% | 2,603 |
| Loan and lease loss provision to assets | 0.0691% | 2,276 |
| Net operating income to assets | 0.9250% | 3,140 |
| Return on assets (ROA) | 0.9252% | 3,176 |
| Pretax return on assets | 1.0762% | 3,217 |
| Return on Equity (ROE) | 10.9989% | 1,946 |
| Retained earnings to average equity (ytd only) | 7.3948% | 1,884 |
| Net charge-offs to loans | 0.0848% | 1,253 |
| Credit loss provision to net charge-offs | 129.7170% | 1,355 |
| Earnings coverage of net charge-offs (x) | 21.5047% | 1,531 |
| Efficiency ratio | 70.8997% | 2,203 |
| Assets per employee ($millions) | 4.6332% | 3,000 |
| Cash dividends to net income (ytd only)* | 32.7677% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 2,653 |
| Loan loss allowance to noncurrent loans | 291.9323% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 3,572 |
| Noncurrent loans to loans | 0.4065% | 3,128 |
| Net loans and leases to total assets | 61.6759% | 3,532 |
| Net loans and leases to deposits | 68.0842% | 3,921 |
| Net loans and leases to core deposits | 86.1531% | 2,856 |
| Total domestic deposits to total assets | 90.5876% | 259 |
| Equity capital to assets | 8.4272% | 5,028 |
| Core capital (leverage) ratio | 8.4602% | 5,032 |
| Tier 1 risk-based capital ratio | 12.0070% | 4,453 |
| Total risk-based capital ratio | 13.1165% | 4,440 |
| Memoranda: | ||
| Average total assets | $3,185,138,000 | 310 |
| Average earning assets | $2,981,190,000 | 304 |
| Average equity | $267,917,000 | 380 |
| Average total loans | $2,000,192,000 | 332 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0171% | 3,974 |
| Cost of funding earning assets | 0.7855% | 1,607 |
| Net interest margin | 3.2316% | 4,423 |
| Noninterest income to average assets | 1.1603% | 686 |
| Noninterest expense to average assets | 2.8265% | 2,597 |
| Loan and lease loss provision to assets | 0.1252% | 1,756 |
| Net operating income to assets | 1.0796% | 2,678 |
| Return on assets (ROA) | 0.9386% | 3,280 |
| Pretax return on assets | 1.0582% | 3,415 |
| Return on Equity (ROE) | 11.0217% | 2,075 |
| Retained earnings to average equity (ytd only) | 7.2029% | 1,576 |
| Net charge-offs to loans | 0.1473% | 1,300 |
| Credit loss provision to net charge-offs | 135.6934% | 1,971 |
| Earnings coverage of net charge-offs (x) | 14.5423% | 2,373 |
| Efficiency ratio | 67.6136% | 2,612 |
| Assets per employee ($millions) | 4.5987% | 3,019 |
| Cash dividends to net income (ytd only)* | 34.6478% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 2,537 |
| Loan loss allowance to noncurrent loans | 243.6403% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 3,285 |
| Noncurrent loans to loans | 0.4950% | 2,786 |
| Net loans and leases to total assets | 62.4295% | 3,526 |
| Net loans and leases to deposits | 68.9375% | 3,909 |
| Net loans and leases to core deposits | 89.9924% | 2,577 |
| Total domestic deposits to total assets | 90.5596% | 309 |
| Equity capital to assets | 8.3952% | 4,991 |
| Core capital (leverage) ratio | 8.5009% | 5,029 |
| Tier 1 risk-based capital ratio | 12.1517% | 4,324 |
| Total risk-based capital ratio | 13.2903% | 4,287 |
| Memoranda: | ||
| Average total assets | $2,969,349,800 | 325 |
| Average earning assets | $2,763,995,600 | 315 |
| Average equity | $252,855,400 | 384 |
| Average total loans | $1,860,703,800 | 346 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 3,668 |
| Cost of funding earning assets | 0.7111% | 1,790 |
| Net interest margin | 3.3799% | 4,064 |
| Noninterest income to average assets | 1.1758% | 684 |
| Noninterest expense to average assets | 3.0295% | 1,931 |
| Loan and lease loss provision to assets | 0.1476% | 1,345 |
| Net operating income to assets | 1.0745% | 2,767 |
| Return on assets (ROA) | 0.8731% | 3,653 |
| Pretax return on assets | 0.9267% | 3,928 |
| Return on Equity (ROE) | 10.2141% | 2,521 |
| Retained earnings to average equity (ytd only) | 6.3570% | 2,452 |
| Net charge-offs to loans | 0.1496% | 1,099 |
| Credit loss provision to net charge-offs | 157.8870% | 1,641 |
| Earnings coverage of net charge-offs (x) | 13.7814% | 2,327 |
| Efficiency ratio | 69.9043% | 2,205 |
| Assets per employee ($millions) | 4.4725% | 3,163 |
| Cash dividends to net income (ytd only)* | 37.7620% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,383 |
| Loan loss allowance to noncurrent loans | 213.8366% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 3,132 |
| Noncurrent loans to loans | 0.5826% | 2,630 |
| Net loans and leases to total assets | 63.4053% | 3,498 |
| Net loans and leases to deposits | 70.0677% | 3,913 |
| Net loans and leases to core deposits | 94.2524% | 2,264 |
| Total domestic deposits to total assets | 90.4915% | 350 |
| Equity capital to assets | 8.3971% | 4,984 |
| Core capital (leverage) ratio | 8.5366% | 5,076 |
| Tier 1 risk-based capital ratio | 12.2969% | 4,320 |
| Total risk-based capital ratio | 13.4823% | 4,249 |
| Memoranda: | ||
| Average total assets | $2,928,765,000 | 327 |
| Average earning assets | $2,722,888,250 | 318 |
| Average equity | $250,341,000 | 384 |
| Average total loans | $1,831,138,250 | 350 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 3,623 |
| Cost of funding earning assets | 0.6408% | 1,982 |
| Net interest margin | 3.4045% | 3,940 |
| Noninterest income to average assets | 1.1724% | 696 |
| Noninterest expense to average assets | 3.0537% | 1,898 |
| Loan and lease loss provision to assets | 0.1460% | 1,309 |
| Net operating income to assets | 1.0753% | 2,688 |
| Return on assets (ROA) | 0.7671% | 3,974 |
| Pretax return on assets | 0.8066% | 4,226 |
| Return on Equity (ROE) | 8.9197% | 3,063 |
| Retained earnings to average equity (ytd only) | 5.0501% | 3,053 |
| Net charge-offs to loans | 0.1720% | 907 |
| Credit loss provision to net charge-offs | 136.9987% | 1,668 |
| Earnings coverage of net charge-offs (x) | 11.9838% | 2,234 |
| Efficiency ratio | 70.1405% | 2,289 |
| Assets per employee ($millions) | 4.2994% | 3,420 |
| Cash dividends to net income (ytd only)* | 43.3822% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 2,458 |
| Loan loss allowance to noncurrent loans | 201.5291% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 3,099 |
| Noncurrent loans to loans | 0.6180% | 2,562 |
| Net loans and leases to total assets | 62.2501% | 3,570 |
| Net loans and leases to deposits | 68.7942% | 3,959 |
| Net loans and leases to core deposits | 90.3632% | 2,542 |
| Total domestic deposits to total assets | 90.4875% | 402 |
| Equity capital to assets | 8.3629% | 5,043 |
| Core capital (leverage) ratio | 8.5514% | 5,073 |
| Tier 1 risk-based capital ratio | 12.3927% | 4,249 |
| Total risk-based capital ratio | 13.5840% | 4,168 |
| Memoranda: | ||
| Average total assets | $2,901,700,000 | 327 |
| Average earning assets | $2,691,811,000 | 316 |
| Average equity | $249,538,330 | 385 |
| Average total loans | $1,797,333,330 | 354 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9639% | 3,743 |
| Cost of funding earning assets | 0.5801% | 2,170 |
| Net interest margin | 3.3838% | 3,935 |
| Noninterest income to average assets | 1.1608% | 683 |
| Noninterest expense to average assets | 3.0096% | 2,038 |
| Loan and lease loss provision to assets | 0.1063% | 1,756 |
| Net operating income to assets | 1.1250% | 2,311 |
| Return on assets (ROA) | 0.5045% | 4,691 |
| Pretax return on assets | 0.5292% | 4,829 |
| Return on Equity (ROE) | 5.7828% | 4,230 |
| Retained earnings to average equity (ytd only) | 1.9105% | 4,381 |
| Net charge-offs to loans | 0.2508% | 612 |
| Credit loss provision to net charge-offs | 69.0909% | 1,837 |
| Earnings coverage of net charge-offs (x) | 8.3727% | 2,036 |
| Efficiency ratio | 69.6357% | 2,544 |
| Assets per employee ($millions) | 4.2497% | 3,565 |
| Cash dividends to net income (ytd only)* | 66.9626% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 2,504 |
| Loan loss allowance to noncurrent loans | 182.9452% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 3,069 |
| Noncurrent loans to loans | 0.6847% | 2,494 |
| Net loans and leases to total assets | 60.8830% | 3,663 |
| Net loans and leases to deposits | 67.2820% | 4,001 |
| Net loans and leases to core deposits | 86.2757% | 2,779 |
| Total domestic deposits to total assets | 90.4893% | 481 |
| Equity capital to assets | 8.4781% | 4,991 |
| Core capital (leverage) ratio | 8.6033% | 5,063 |
| Tier 1 risk-based capital ratio | 12.5350% | 4,217 |
| Total risk-based capital ratio | 13.7193% | 4,164 |
| Memoranda: | ||
| Average total assets | $2,858,496,000 | 328 |
| Average earning assets | $2,650,491,000 | 321 |
| Average equity | $249,361,500 | 389 |
| Average total loans | $1,754,219,500 | 362 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9459% | 3,584 |
| Cost of funding earning assets | 0.4024% | 3,234 |
| Net interest margin | 3.5435% | 3,362 |
| Noninterest income to average assets | 1.2666% | 663 |
| Noninterest expense to average assets | 3.2504% | 1,501 |
| Loan and lease loss provision to assets | 0.0142% | 4,006 |
| Net operating income to assets | 0.9890% | 2,296 |
| Return on assets (ROA) | 0.9907% | 2,324 |
| Pretax return on assets | 1.2988% | 2,356 |
| Return on Equity (ROE) | 10.9303% | 1,511 |
| Retained earnings to average equity (ytd only) | 7.5341% | 911 |
| Net charge-offs to loans | 0.0933% | 2,146 |
| Credit loss provision to net charge-offs | 25.6548% | 3,570 |
| Earnings coverage of net charge-offs (x) | 23.6622% | 1,795 |
| Efficiency ratio | 70.8805% | 2,417 |
| Assets per employee ($millions) | 4.0661% | 3,863 |
| Cash dividends to net income (ytd only)* | 31.0716% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 2,020 |
| Loan loss allowance to noncurrent loans | 174.2920% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 2,865 |
| Noncurrent loans to loans | 0.7689% | 2,289 |
| Net loans and leases to total assets | 60.2510% | 3,804 |
| Net loans and leases to deposits | 67.3764% | 4,068 |
| Net loans and leases to core deposits | 84.3206% | 3,034 |
| Total domestic deposits to total assets | 89.4245% | 814 |
| Equity capital to assets | 8.9796% | 4,741 |
| Core capital (leverage) ratio | 8.8804% | 4,777 |
| Tier 1 risk-based capital ratio | 12.6488% | 4,117 |
| Total risk-based capital ratio | 13.8688% | 4,025 |
| Memoranda: | ||
| Average total assets | $2,688,077,600 | 328 |
| Average earning assets | $2,499,171,200 | 322 |
| Average equity | $243,653,400 | 382 |
| Average total loans | $1,596,161,000 | 378 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9234% | 3,611 |
| Cost of funding earning assets | 0.3742% | 3,426 |
| Net interest margin | 3.5492% | 3,325 |
| Noninterest income to average assets | 1.2833% | 648 |
| Noninterest expense to average assets | 3.1921% | 1,574 |
| Loan and lease loss provision to assets | 0.0191% | 3,760 |
| Net operating income to assets | 1.1162% | 2,013 |
| Return on assets (ROA) | 1.1199% | 2,059 |
| Pretax return on assets | 1.3791% | 2,176 |
| Return on Equity (ROE) | 12.3246% | 1,234 |
| Retained earnings to average equity (ytd only) | 8.7118% | 944 |
| Net charge-offs to loans | 0.0230% | 2,996 |
| Credit loss provision to net charge-offs | 140.9594% | 1,767 |
| Earnings coverage of net charge-offs (x) | 102.6359% | 677 |
| Efficiency ratio | 69.2225% | 2,668 |
| Assets per employee ($millions) | 3.9643% | 4,049 |
| Cash dividends to net income (ytd only)* | 29.3136% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 1,532 |
| Loan loss allowance to noncurrent loans | 157.9147% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 2,627 |
| Noncurrent loans to loans | 0.9501% | 2,023 |
| Net loans and leases to total assets | 58.8943% | 3,976 |
| Net loans and leases to deposits | 67.2284% | 4,167 |
| Net loans and leases to core deposits | 82.4374% | 3,250 |
| Total domestic deposits to total assets | 87.6033% | 1,576 |
| Equity capital to assets | 9.3651% | 4,580 |
| Core capital (leverage) ratio | 9.0859% | 4,647 |
| Tier 1 risk-based capital ratio | 13.0088% | 4,002 |
| Total risk-based capital ratio | 14.2598% | 3,910 |
| Memoranda: | ||
| Average total assets | $2,660,727,500 | 332 |
| Average earning assets | $2,475,852,750 | 324 |
| Average equity | $241,766,000 | 385 |
| Average total loans | $1,568,100,250 | 380 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 3,611 |
| Cost of funding earning assets | 0.3514% | 3,568 |
| Net interest margin | 3.5325% | 3,288 |
| Noninterest income to average assets | 1.2769% | 638 |
| Noninterest expense to average assets | 3.2007% | 1,579 |
| Loan and lease loss provision to assets | 0.0287% | 3,424 |
| Net operating income to assets | 1.0924% | 2,012 |
| Return on assets (ROA) | 1.0948% | 2,060 |
| Pretax return on assets | 1.3372% | 2,247 |
| Return on Equity (ROE) | 12.1745% | 1,246 |
| Retained earnings to average equity (ytd only) | 8.7037% | 937 |
| Net charge-offs to loans | -0.0249% | 4,868 |
| Credit loss provision to net charge-offs | -196.3918% | 4,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7478% | 2,713 |
| Assets per employee ($millions) | 4.0571% | 3,864 |
| Cash dividends to net income (ytd only)* | 28.5084% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 1,387 |
| Loan loss allowance to noncurrent loans | 185.2846% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.5617% | 2,894 |
| Noncurrent loans to loans | 0.8386% | 2,309 |
| Net loans and leases to total assets | 57.4592% | 4,082 |
| Net loans and leases to deposits | 64.7523% | 4,318 |
| Net loans and leases to core deposits | 79.0193% | 3,504 |
| Total domestic deposits to total assets | 88.7369% | 1,091 |
| Equity capital to assets | 9.0841% | 4,821 |
| Core capital (leverage) ratio | 8.9552% | 4,770 |
| Tier 1 risk-based capital ratio | 12.9470% | 4,036 |
| Total risk-based capital ratio | 14.1987% | 3,952 |
| Memoranda: | ||
| Average total assets | $2,651,708,670 | 336 |
| Average earning assets | $2,467,237,670 | 329 |
| Average equity | $238,450,000 | 391 |
| Average total loans | $1,555,112,670 | 384 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8448% | 3,600 |
| Cost of funding earning assets | 0.3511% | 3,521 |
| Net interest margin | 3.4937% | 3,295 |
| Noninterest income to average assets | 1.2532% | 656 |
| Noninterest expense to average assets | 3.1980% | 1,614 |
| Loan and lease loss provision to assets | 0.0282% | 3,204 |
| Net operating income to assets | 1.0224% | 2,214 |
| Return on assets (ROA) | 1.0224% | 2,269 |
| Pretax return on assets | 1.2782% | 2,316 |
| Return on Equity (ROE) | 11.4299% | 1,426 |
| Retained earnings to average equity (ytd only) | 8.4901% | 1,279 |
| Net charge-offs to loans | 0.0418% | 1,993 |
| Credit loss provision to net charge-offs | 114.9068% | 1,441 |
| Earnings coverage of net charge-offs (x) | 53.1988% | 865 |
| Efficiency ratio | 70.6014% | 2,803 |
| Assets per employee ($millions) | 3.8919% | 4,197 |
| Cash dividends to net income (ytd only)* | 25.7198% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 1,432 |
| Loan loss allowance to noncurrent loans | 181.5338% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.5698% | 2,950 |
| Noncurrent loans to loans | 0.8704% | 2,294 |
| Net loans and leases to total assets | 55.8895% | 4,184 |
| Net loans and leases to deposits | 62.0132% | 4,430 |
| Net loans and leases to core deposits | 77.8316% | 3,486 |
| Total domestic deposits to total assets | 90.1252% | 607 |
| Equity capital to assets | 8.8763% | 4,930 |
| Core capital (leverage) ratio | 8.8328% | 4,924 |
| Tier 1 risk-based capital ratio | 13.1311% | 4,009 |
| Total risk-based capital ratio | 14.3830% | 3,910 |
| Memoranda: | ||
| Average total assets | $2,622,488,000 | 341 |
| Average earning assets | $2,440,507,500 | 335 |
| Average equity | $234,578,000 | 393 |
| Average total loans | $1,541,765,000 | 386 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 3,353 |
| Cost of funding earning assets | 0.3275% | 3,769 |
| Net interest margin | 3.6299% | 2,963 |
| Noninterest income to average assets | 1.3857% | 592 |
| Noninterest expense to average assets | 3.3571% | 1,448 |
| Loan and lease loss provision to assets | 0.1765% | 1,368 |
| Net operating income to assets | 1.0595% | 2,093 |
| Return on assets (ROA) | 1.0596% | 2,201 |
| Pretax return on assets | 1.2304% | 2,552 |
| Return on Equity (ROE) | 11.5232% | 1,393 |
| Retained earnings to average equity (ytd only) | 8.5644% | 678 |
| Net charge-offs to loans | 0.2135% | 1,302 |
| Credit loss provision to net charge-offs | 137.3043% | 1,981 |
| Earnings coverage of net charge-offs (x) | 10.9432% | 2,583 |
| Efficiency ratio | 70.0802% | 2,886 |
| Assets per employee ($millions) | 3.7644% | 4,373 |
| Cash dividends to net income (ytd only)* | 25.6770% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 1,546 |
| Loan loss allowance to noncurrent loans | 170.0595% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 2,842 |
| Noncurrent loans to loans | 0.9033% | 2,291 |
| Net loans and leases to total assets | 59.9444% | 3,862 |
| Net loans and leases to deposits | 67.7818% | 4,098 |
| Net loans and leases to core deposits | 83.1392% | 3,113 |
| Total domestic deposits to total assets | 88.4374% | 1,416 |
| Equity capital to assets | 9.0164% | 4,801 |
| Core capital (leverage) ratio | 8.8128% | 4,955 |
| Tier 1 risk-based capital ratio | 12.7096% | 4,269 |
| Total risk-based capital ratio | 13.9613% | 4,154 |
| Memoranda: | ||
| Average total assets | $2,533,535,200 | 342 |
| Average earning assets | $2,357,923,800 | 333 |
| Average equity | $232,965,400 | 380 |
| Average total loans | $1,525,763,000 | 371 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9586% | 3,382 |
| Cost of funding earning assets | 0.3252% | 3,814 |
| Net interest margin | 3.6334% | 2,950 |
| Noninterest income to average assets | 1.4181% | 592 |
| Noninterest expense to average assets | 3.2578% | 1,659 |
| Loan and lease loss provision to assets | 0.1815% | 1,221 |
| Net operating income to assets | 1.1733% | 1,726 |
| Return on assets (ROA) | 1.1735% | 1,835 |
| Pretax return on assets | 1.3639% | 2,180 |
| Return on Equity (ROE) | 12.6990% | 1,125 |
| Retained earnings to average equity (ytd only) | 9.7453% | 633 |
| Net charge-offs to loans | 0.0951% | 2,000 |
| Credit loss provision to net charge-offs | 317.6525% | 989 |
| Earnings coverage of net charge-offs (x) | 27.0462% | 1,578 |
| Efficiency ratio | 67.4413% | 3,331 |
| Assets per employee ($millions) | 3.8798% | 4,163 |
| Cash dividends to net income (ytd only)* | 23.2586% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 1,381 |
| Loan loss allowance to noncurrent loans | 154.9988% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.6807% | 2,868 |
| Noncurrent loans to loans | 1.0517% | 2,137 |
| Net loans and leases to total assets | 58.8729% | 4,005 |
| Net loans and leases to deposits | 66.7742% | 4,267 |
| Net loans and leases to core deposits | 84.4429% | 3,084 |
| Total domestic deposits to total assets | 88.1672% | 1,309 |
| Equity capital to assets | 9.4592% | 4,704 |
| Core capital (leverage) ratio | 8.7229% | 5,137 |
| Tier 1 risk-based capital ratio | 12.8057% | 4,275 |
| Total risk-based capital ratio | 14.0587% | 4,185 |
| Memoranda: | ||
| Average total assets | $2,525,080,750 | 341 |
| Average earning assets | $2,352,401,500 | 333 |
| Average equity | $233,336,250 | 383 |
| Average total loans | $1,516,455,500 | 369 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9542% | 3,409 |
| Cost of funding earning assets | 0.3209% | 3,892 |
| Net interest margin | 3.6333% | 2,961 |
| Noninterest income to average assets | 1.3708% | 610 |
| Noninterest expense to average assets | 3.2450% | 1,702 |
| Loan and lease loss provision to assets | 0.0866% | 2,414 |
| Net operating income to assets | 1.1442% | 1,796 |
| Return on assets (ROA) | 1.1445% | 1,911 |
| Pretax return on assets | 1.4247% | 1,931 |
| Return on Equity (ROE) | 12.4873% | 1,161 |
| Retained earnings to average equity (ytd only) | 9.4861% | 722 |
| Net charge-offs to loans | 0.0725% | 2,146 |
| Credit loss provision to net charge-offs | 198.7179% | 1,316 |
| Earnings coverage of net charge-offs (x) | 34.6648% | 1,269 |
| Efficiency ratio | 67.8371% | 3,377 |
| Assets per employee ($millions) | 3.7403% | 4,376 |
| Cash dividends to net income (ytd only)* | 24.0340% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 1,861 |
| Loan loss allowance to noncurrent loans | 188.1676% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 3,426 |
| Noncurrent loans to loans | 0.7974% | 2,752 |
| Net loans and leases to total assets | 59.4160% | 3,959 |
| Net loans and leases to deposits | 69.2980% | 4,053 |
| Net loans and leases to core deposits | 86.9431% | 2,826 |
| Total domestic deposits to total assets | 85.7399% | 2,541 |
| Equity capital to assets | 9.3728% | 4,890 |
| Core capital (leverage) ratio | 8.5785% | 5,286 |
| Tier 1 risk-based capital ratio | 12.3512% | 4,616 |
| Total risk-based capital ratio | 13.6027% | 4,537 |
| Memoranda: | ||
| Average total assets | $2,505,465,000 | 340 |
| Average earning assets | $2,334,306,000 | 335 |
| Average equity | $229,641,670 | 386 |
| Average total loans | $1,506,460,000 | 370 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9821% | 3,280 |
| Cost of funding earning assets | 0.3184% | 3,965 |
| Net interest margin | 3.6637% | 2,834 |
| Noninterest income to average assets | 1.3107% | 636 |
| Noninterest expense to average assets | 3.2230% | 1,785 |
| Loan and lease loss provision to assets | 0.1413% | 1,492 |
| Net operating income to assets | 1.1043% | 1,886 |
| Return on assets (ROA) | 1.1051% | 1,984 |
| Pretax return on assets | 1.3590% | 2,053 |
| Return on Equity (ROE) | 12.2019% | 1,252 |
| Retained earnings to average equity (ytd only) | 9.1161% | 1,076 |
| Net charge-offs to loans | 0.0189% | 2,555 |
| Credit loss provision to net charge-offs | 1,244.2857% | 327 |
| Earnings coverage of net charge-offs (x) | 132.0429% | 445 |
| Efficiency ratio | 67.8483% | 3,486 |
| Assets per employee ($millions) | 3.5700% | 4,702 |
| Cash dividends to net income (ytd only)* | 25.2899% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 1,669 |
| Loan loss allowance to noncurrent loans | 208.2673% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 3,566 |
| Noncurrent loans to loans | 0.7597% | 2,934 |
| Net loans and leases to total assets | 58.7128% | 3,962 |
| Net loans and leases to deposits | 68.9303% | 3,961 |
| Net loans and leases to core deposits | 83.4878% | 2,985 |
| Total domestic deposits to total assets | 85.1771% | 3,052 |
| Equity capital to assets | 9.1418% | 5,046 |
| Core capital (leverage) ratio | 8.5780% | 5,314 |
| Tier 1 risk-based capital ratio | 12.6348% | 4,500 |
| Total risk-based capital ratio | 13.8874% | 4,405 |
| Memoranda: | ||
| Average total assets | $2,465,937,500 | 341 |
| Average earning assets | $2,296,271,000 | 336 |
| Average equity | $223,342,000 | 392 |
| Average total loans | $1,480,184,000 | 374 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 3,111 |
| Cost of funding earning assets | 0.2721% | 4,560 |
| Net interest margin | 3.7785% | 2,453 |
| Noninterest income to average assets | 1.4403% | 585 |
| Noninterest expense to average assets | 3.4899% | 1,303 |
| Loan and lease loss provision to assets | 0.1309% | 1,827 |
| Net operating income to assets | 1.0266% | 2,220 |
| Return on assets (ROA) | 1.0475% | 2,219 |
| Pretax return on assets | 1.3439% | 2,112 |
| Return on Equity (ROE) | 11.8489% | 1,341 |
| Retained earnings to average equity (ytd only) | 8.5905% | 756 |
| Net charge-offs to loans | 0.1646% | 1,725 |
| Credit loss provision to net charge-offs | 130.4974% | 2,002 |
| Earnings coverage of net charge-offs (x) | 14.4389% | 2,295 |
| Efficiency ratio | 70.2597% | 3,184 |
| Assets per employee ($millions) | 3.5018% | 4,835 |
| Cash dividends to net income (ytd only)* | 27.4998% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 1,706 |
| Loan loss allowance to noncurrent loans | 156.9555% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 3,029 |
| Noncurrent loans to loans | 1.0028% | 2,336 |
| Net loans and leases to total assets | 59.1594% | 3,946 |
| Net loans and leases to deposits | 70.3187% | 3,889 |
| Net loans and leases to core deposits | 81.1814% | 3,229 |
| Total domestic deposits to total assets | 84.1303% | 3,435 |
| Equity capital to assets | 9.0012% | 5,121 |
| Core capital (leverage) ratio | 8.6505% | 5,276 |
| Tier 1 risk-based capital ratio | 12.5533% | 4,595 |
| Total risk-based capital ratio | 13.8057% | 4,491 |
| Memoranda: | ||
| Average total assets | $2,285,541,000 | 344 |
| Average earning assets | $2,115,614,000 | 338 |
| Average equity | $202,060,800 | 410 |
| Average total loans | $1,392,788,200 | 370 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0720% | 3,053 |
| Cost of funding earning assets | 0.2704% | 4,658 |
| Net interest margin | 3.8017% | 2,373 |
| Noninterest income to average assets | 1.4799% | 564 |
| Noninterest expense to average assets | 3.4678% | 1,349 |
| Loan and lease loss provision to assets | 0.1449% | 1,510 |
| Net operating income to assets | 1.0524% | 2,206 |
| Return on assets (ROA) | 1.0800% | 2,179 |
| Pretax return on assets | 1.4209% | 1,928 |
| Return on Equity (ROE) | 12.2753% | 1,299 |
| Retained earnings to average equity (ytd only) | 9.0053% | 904 |
| Net charge-offs to loans | 0.1302% | 1,835 |
| Credit loss provision to net charge-offs | 181.9465% | 1,454 |
| Earnings coverage of net charge-offs (x) | 19.2006% | 1,954 |
| Efficiency ratio | 68.9768% | 3,379 |
| Assets per employee ($millions) | 3.4904% | 4,803 |
| Cash dividends to net income (ytd only)* | 26.6385% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 1,703 |
| Loan loss allowance to noncurrent loans | 162.2472% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 3,189 |
| Noncurrent loans to loans | 1.0007% | 2,483 |
| Net loans and leases to total assets | 60.3634% | 3,830 |
| Net loans and leases to deposits | 71.6579% | 3,809 |
| Net loans and leases to core deposits | 85.4528% | 2,909 |
| Total domestic deposits to total assets | 84.2384% | 3,326 |
| Equity capital to assets | 9.1577% | 5,160 |
| Core capital (leverage) ratio | 8.6858% | 5,364 |
| Tier 1 risk-based capital ratio | 12.6495% | 4,648 |
| Total risk-based capital ratio | 13.9028% | 4,553 |
| Memoranda: | ||
| Average total assets | $2,252,867,500 | 354 |
| Average earning assets | $2,084,444,750 | 345 |
| Average equity | $198,203,750 | 421 |
| Average total loans | $1,377,913,250 | 377 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0664% | 3,023 |
| Cost of funding earning assets | 0.2679% | 4,740 |
| Net interest margin | 3.7985% | 2,318 |
| Noninterest income to average assets | 1.4427% | 609 |
| Noninterest expense to average assets | 3.4529% | 1,374 |
| Loan and lease loss provision to assets | 0.1616% | 1,312 |
| Net operating income to assets | 1.0190% | 2,302 |
| Return on assets (ROA) | 1.0188% | 2,408 |
| Pretax return on assets | 1.3409% | 2,204 |
| Return on Equity (ROE) | 11.7477% | 1,454 |
| Retained earnings to average equity (ytd only) | 6.9091% | 1,739 |
| Net charge-offs to loans | 0.0490% | 2,728 |
| Credit loss provision to net charge-offs | 539.9399% | 596 |
| Earnings coverage of net charge-offs (x) | 50.2162% | 954 |
| Efficiency ratio | 69.2496% | 3,453 |
| Assets per employee ($millions) | 3.3849% | 5,010 |
| Cash dividends to net income (ytd only)* | 41.1874% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 1,686 |
| Loan loss allowance to noncurrent loans | 175.7869% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 3,399 |
| Noncurrent loans to loans | 0.9495% | 2,750 |
| Net loans and leases to total assets | 60.2909% | 3,787 |
| Net loans and leases to deposits | 71.2326% | 3,794 |
| Net loans and leases to core deposits | 84.7027% | 2,909 |
| Total domestic deposits to total assets | 84.6394% | 3,278 |
| Equity capital to assets | 8.3502% | 5,798 |
| Core capital (leverage) ratio | 8.2038% | 5,787 |
| Tier 1 risk-based capital ratio | 11.6201% | 5,393 |
| Total risk-based capital ratio | 12.8737% | 5,304 |
| Memoranda: | ||
| Average total assets | $2,225,463,330 | 355 |
| Average earning assets | $2,058,213,000 | 347 |
| Average equity | $192,991,670 | 431 |
| Average total loans | $1,359,618,670 | 379 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0897% | 2,878 |
| Cost of funding earning assets | 0.2710% | 4,773 |
| Net interest margin | 3.8187% | 2,173 |
| Noninterest income to average assets | 1.3169% | 659 |
| Noninterest expense to average assets | 3.3616% | 1,573 |
| Loan and lease loss provision to assets | 0.1559% | 1,305 |
| Net operating income to assets | 1.0140% | 2,199 |
| Return on assets (ROA) | 1.0136% | 2,336 |
| Pretax return on assets | 1.3264% | 2,172 |
| Return on Equity (ROE) | 11.4631% | 1,494 |
| Retained earnings to average equity (ytd only) | 8.1530% | 1,508 |
| Net charge-offs to loans | 0.0589% | 2,167 |
| Credit loss provision to net charge-offs | 434.1837% | 613 |
| Earnings coverage of net charge-offs (x) | 41.3061% | 954 |
| Efficiency ratio | 68.9490% | 3,672 |
| Assets per employee ($millions) | 3.3087% | 5,228 |
| Cash dividends to net income (ytd only)* | 28.8760% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7076% | 1,719 |
| Loan loss allowance to noncurrent loans | 171.8774% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 3,314 |
| Noncurrent loans to loans | 0.9935% | 2,778 |
| Net loans and leases to total assets | 59.3291% | 3,755 |
| Net loans and leases to deposits | 68.6850% | 3,895 |
| Net loans and leases to core deposits | 82.2833% | 2,934 |
| Total domestic deposits to total assets | 86.3785% | 2,723 |
| Equity capital to assets | 8.8616% | 5,431 |
| Core capital (leverage) ratio | 8.2634% | 5,769 |
| Tier 1 risk-based capital ratio | 12.0694% | 5,195 |
| Total risk-based capital ratio | 13.3233% | 5,095 |
| Memoranda: | ||
| Average total assets | $2,183,950,000 | 361 |
| Average earning assets | $2,017,437,500 | 353 |
| Average equity | $193,106,000 | 431 |
| Average total loans | $1,331,711,500 | 381 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 2,614 |
| Cost of funding earning assets | 0.2742% | 5,055 |
| Net interest margin | 4.0240% | 1,823 |
| Noninterest income to average assets | 1.4759% | 562 |
| Noninterest expense to average assets | 3.6111% | 1,284 |
| Loan and lease loss provision to assets | 0.1499% | 1,752 |
| Net operating income to assets | 1.0592% | 2,132 |
| Return on assets (ROA) | 1.0666% | 2,156 |
| Pretax return on assets | 1.4021% | 1,879 |
| Return on Equity (ROE) | 12.3043% | 1,322 |
| Retained earnings to average equity (ytd only) | 8.6897% | 776 |
| Net charge-offs to loans | 0.0873% | 3,241 |
| Credit loss provision to net charge-offs | 274.9101% | 927 |
| Earnings coverage of net charge-offs (x) | 28.2923% | 1,398 |
| Efficiency ratio | 69.6260% | 3,599 |
| Assets per employee ($millions) | 3.1822% | 5,455 |
| Cash dividends to net income (ytd only)* | 29.3764% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6694% | 1,868 |
| Loan loss allowance to noncurrent loans | 160.6656% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 3,299 |
| Noncurrent loans to loans | 1.0391% | 2,748 |
| Net loans and leases to total assets | 60.5830% | 3,707 |
| Net loans and leases to deposits | 71.1905% | 3,770 |
| Net loans and leases to core deposits | 86.1893% | 2,666 |
| Total domestic deposits to total assets | 85.0999% | 3,249 |
| Equity capital to assets | 8.8220% | 5,465 |
| Core capital (leverage) ratio | 8.3301% | 5,750 |
| Tier 1 risk-based capital ratio | 12.1981% | 5,228 |
| Total risk-based capital ratio | 13.4497% | 5,142 |
| Memoranda: | ||
| Average total assets | $2,039,968,200 | 366 |
| Average earning assets | $1,864,265,600 | 362 |
| Average equity | $176,841,200 | 448 |
| Average total loans | $1,273,596,400 | 371 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3353% | 2,478 |
| Cost of funding earning assets | 0.2719% | 5,186 |
| Net interest margin | 4.0634% | 1,686 |
| Noninterest income to average assets | 1.4904% | 566 |
| Noninterest expense to average assets | 3.5477% | 1,379 |
| Loan and lease loss provision to assets | 0.0469% | 3,445 |
| Net operating income to assets | 1.1840% | 1,740 |
| Return on assets (ROA) | 1.1895% | 1,784 |
| Pretax return on assets | 1.6080% | 1,300 |
| Return on Equity (ROE) | 13.7873% | 1,031 |
| Retained earnings to average equity (ytd only) | 10.1040% | 679 |
| Net charge-offs to loans | 0.0279% | 3,937 |
| Credit loss provision to net charge-offs | 268.1818% | 994 |
| Earnings coverage of net charge-offs (x) | 94.1405% | 611 |
| Efficiency ratio | 67.8384% | 3,889 |
| Assets per employee ($millions) | 3.2183% | 5,390 |
| Cash dividends to net income (ytd only)* | 26.7150% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 2,357 |
| Loan loss allowance to noncurrent loans | 284.1287% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 4,392 |
| Noncurrent loans to loans | 0.5575% | 4,247 |
| Net loans and leases to total assets | 61.4522% | 3,569 |
| Net loans and leases to deposits | 72.5763% | 3,616 |
| Net loans and leases to core deposits | 86.7598% | 2,577 |
| Total domestic deposits to total assets | 84.6725% | 3,469 |
| Equity capital to assets | 8.8956% | 5,464 |
| Core capital (leverage) ratio | 8.4711% | 5,683 |
| Tier 1 risk-based capital ratio | 12.3807% | 5,243 |
| Total risk-based capital ratio | 13.6314% | 5,174 |
| Memoranda: | ||
| Average total assets | $2,011,367,250 | 366 |
| Average earning assets | $1,833,846,000 | 362 |
| Average equity | $173,537,000 | 449 |
| Average total loans | $1,260,160,000 | 370 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3477% | 2,393 |
| Cost of funding earning assets | 0.2627% | 5,362 |
| Net interest margin | 4.0850% | 1,556 |
| Noninterest income to average assets | 1.4560% | 573 |
| Noninterest expense to average assets | 3.5773% | 1,336 |
| Loan and lease loss provision to assets | 0.0318% | 3,647 |
| Net operating income to assets | 1.1546% | 1,742 |
| Return on assets (ROA) | 1.1608% | 1,791 |
| Pretax return on assets | 1.5692% | 1,333 |
| Return on Equity (ROE) | 13.6018% | 1,031 |
| Retained earnings to average equity (ytd only) | 9.8295% | 760 |
| Net charge-offs to loans | -0.0832% | 6,085 |
| Credit loss provision to net charge-offs | -61.0039% | 5,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7358% | 3,874 |
| Assets per employee ($millions) | 3.0742% | 5,642 |
| Cash dividends to net income (ytd only)* | 27.7334% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 2,291 |
| Loan loss allowance to noncurrent loans | 317.8798% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 4,549 |
| Noncurrent loans to loans | 0.5192% | 4,448 |
| Net loans and leases to total assets | 61.6306% | 3,462 |
| Net loans and leases to deposits | 71.8960% | 3,580 |
| Net loans and leases to core deposits | 85.8500% | 2,529 |
| Total domestic deposits to total assets | 85.7220% | 3,184 |
| Equity capital to assets | 8.8052% | 5,516 |
| Core capital (leverage) ratio | 8.4161% | 5,727 |
| Tier 1 risk-based capital ratio | 12.3701% | 5,321 |
| Total risk-based capital ratio | 13.6216% | 5,239 |
| Memoranda: | ||
| Average total assets | $1,985,590,670 | 368 |
| Average earning assets | $1,805,248,000 | 362 |
| Average equity | $169,448,670 | 458 |
| Average total loans | $1,245,477,000 | 372 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 2,594 |
| Cost of funding earning assets | 0.2497% | 5,583 |
| Net interest margin | 4.0301% | 1,658 |
| Noninterest income to average assets | 1.4333% | 571 |
| Noninterest expense to average assets | 3.5926% | 1,321 |
| Loan and lease loss provision to assets | 0.0149% | 3,634 |
| Net operating income to assets | 1.1058% | 1,795 |
| Return on assets (ROA) | 1.1191% | 1,800 |
| Pretax return on assets | 1.5022% | 1,424 |
| Return on Equity (ROE) | 13.3338% | 1,075 |
| Retained earnings to average equity (ytd only) | 9.4499% | 1,124 |
| Net charge-offs to loans | 0.0280% | 3,016 |
| Credit loss provision to net charge-offs | 84.8837% | 1,851 |
| Earnings coverage of net charge-offs (x) | 85.4535% | 515 |
| Efficiency ratio | 70.0881% | 3,825 |
| Assets per employee ($millions) | 2.9976% | 5,861 |
| Cash dividends to net income (ytd only)* | 29.1287% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 2,567 |
| Loan loss allowance to noncurrent loans | 326.0126% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 4,820 |
| Noncurrent loans to loans | 0.5009% | 4,661 |
| Net loans and leases to total assets | 61.0473% | 3,388 |
| Net loans and leases to deposits | 68.4847% | 3,803 |
| Net loans and leases to core deposits | 81.8393% | 2,755 |
| Total domestic deposits to total assets | 89.1401% | 1,564 |
| Equity capital to assets | 8.5132% | 5,647 |
| Core capital (leverage) ratio | 8.4648% | 5,687 |
| Tier 1 risk-based capital ratio | 12.2620% | 5,465 |
| Total risk-based capital ratio | 13.5130% | 5,399 |
| Memoranda: | ||
| Average total assets | $1,960,815,000 | 374 |
| Average earning assets | $1,780,015,000 | 370 |
| Average equity | $164,574,000 | 469 |
| Average total loans | $1,230,555,000 | 373 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4665% | 2,339 |
| Cost of funding earning assets | 0.2586% | 5,917 |
| Net interest margin | 4.2079% | 1,330 |
| Noninterest income to average assets | 1.6427% | 532 |
| Noninterest expense to average assets | 3.8003% | 1,135 |
| Loan and lease loss provision to assets | 0.0463% | 4,195 |
| Net operating income to assets | 1.1547% | 1,739 |
| Return on assets (ROA) | 1.1513% | 1,818 |
| Pretax return on assets | 1.5966% | 1,177 |
| Return on Equity (ROE) | 12.9668% | 1,172 |
| Retained earnings to average equity (ytd only) | 8.9446% | 783 |
| Net charge-offs to loans | 0.1571% | 3,232 |
| Credit loss provision to net charge-offs | 44.2067% | 3,955 |
| Earnings coverage of net charge-offs (x) | 15.7270% | 1,851 |
| Efficiency ratio | 69.1844% | 3,979 |
| Assets per employee ($millions) | 2.9849% | 5,857 |
| Cash dividends to net income (ytd only)* | 31.0191% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6516% | 2,559 |
| Loan loss allowance to noncurrent loans | 373.9364% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 4,934 |
| Noncurrent loans to loans | 0.4417% | 4,896 |
| Net loans and leases to total assets | 62.4290% | 3,309 |
| Net loans and leases to deposits | 71.1041% | 3,642 |
| Net loans and leases to core deposits | 84.3246% | 2,637 |
| Total domestic deposits to total assets | 87.7995% | 2,307 |
| Equity capital to assets | 8.2691% | 5,805 |
| Core capital (leverage) ratio | 8.4833% | 5,692 |
| Tier 1 risk-based capital ratio | 12.1734% | 5,509 |
| Total risk-based capital ratio | 13.4247% | 5,445 |
| Memoranda: | ||
| Average total assets | $1,828,996,800 | 379 |
| Average earning assets | $1,653,943,600 | 376 |
| Average equity | $162,399,800 | 461 |
| Average total loans | $1,219,534,200 | 367 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4904% | 2,272 |
| Cost of funding earning assets | 0.2626% | 6,007 |
| Net interest margin | 4.2278% | 1,253 |
| Noninterest income to average assets | 1.6588% | 542 |
| Noninterest expense to average assets | 3.7140% | 1,224 |
| Loan and lease loss provision to assets | 0.0235% | 4,539 |
| Net operating income to assets | 1.2321% | 1,528 |
| Return on assets (ROA) | 1.2273% | 1,614 |
| Pretax return on assets | 1.7344% | 1,029 |
| Return on Equity (ROE) | 13.5734% | 1,107 |
| Retained earnings to average equity (ytd only) | 9.5393% | 896 |
| Net charge-offs to loans | 0.0840% | 3,747 |
| Credit loss provision to net charge-offs | 41.4063% | 3,685 |
| Earnings coverage of net charge-offs (x) | 31.0900% | 1,206 |
| Efficiency ratio | 67.1784% | 4,265 |
| Assets per employee ($millions) | 2.8225% | 6,120 |
| Cash dividends to net income (ytd only)* | 29.7206% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 2,627 |
| Loan loss allowance to noncurrent loans | 374.0395% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 4,774 |
| Noncurrent loans to loans | 0.4540% | 5,056 |
| Net loans and leases to total assets | 65.3394% | 2,748 |
| Net loans and leases to deposits | 73.4472% | 3,325 |
| Net loans and leases to core deposits | 85.7835% | 2,436 |
| Total domestic deposits to total assets | 88.9609% | 1,572 |
| Equity capital to assets | 8.5633% | 5,669 |
| Core capital (leverage) ratio | 8.5194% | 5,750 |
| Tier 1 risk-based capital ratio | 12.0973% | 5,722 |
| Total risk-based capital ratio | 13.3494% | 5,653 |
| Memoranda: | ||
| Average total assets | $1,804,189,500 | 383 |
| Average earning assets | $1,630,052,750 | 388 |
| Average equity | $163,138,250 | 462 |
| Average total loans | $1,218,421,000 | 366 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4878% | 2,243 |
| Cost of funding earning assets | 0.2741% | 6,026 |
| Net interest margin | 4.2137% | 1,241 |
| Noninterest income to average assets | 1.6843% | 577 |
| Noninterest expense to average assets | 3.6995% | 1,248 |
| Loan and lease loss provision to assets | 0.0355% | 4,236 |
| Net operating income to assets | 1.2312% | 1,511 |
| Return on assets (ROA) | 1.2310% | 1,615 |
| Pretax return on assets | 1.7560% | 1,005 |
| Return on Equity (ROE) | 13.3703% | 1,153 |
| Retained earnings to average equity (ytd only) | 9.3200% | 1,020 |
| Net charge-offs to loans | 0.0054% | 4,788 |
| Credit loss provision to net charge-offs | 963.6364% | 321 |
| Earnings coverage of net charge-offs (x) | 486.0606% | 98 |
| Efficiency ratio | 66.6836% | 4,413 |
| Assets per employee ($millions) | 2.8240% | 6,127 |
| Cash dividends to net income (ytd only)* | 30.2931% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 2,574 |
| Loan loss allowance to noncurrent loans | 294.3231% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 4,545 |
| Noncurrent loans to loans | 0.5972% | 4,764 |
| Net loans and leases to total assets | 65.6740% | 2,646 |
| Net loans and leases to deposits | 73.2331% | 3,255 |
| Net loans and leases to core deposits | 87.1957% | 2,209 |
| Total domestic deposits to total assets | 89.6780% | 1,217 |
| Equity capital to assets | 8.4273% | 5,846 |
| Core capital (leverage) ratio | 8.4914% | 5,681 |
| Tier 1 risk-based capital ratio | 11.7547% | 5,952 |
| Total risk-based capital ratio | 13.0075% | 5,905 |
| Memoranda: | ||
| Average total assets | $1,790,285,670 | 384 |
| Average earning assets | $1,617,524,670 | 388 |
| Average equity | $164,827,670 | 460 |
| Average total loans | $1,215,583,330 | 363 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4804% | 2,232 |
| Cost of funding earning assets | 0.2875% | 6,059 |
| Net interest margin | 4.1929% | 1,208 |
| Noninterest income to average assets | 1.6748% | 555 |
| Noninterest expense to average assets | 3.5953% | 1,433 |
| Loan and lease loss provision to assets | 0.0720% | 3,428 |
| Net operating income to assets | 1.2598% | 1,374 |
| Return on assets (ROA) | 1.2593% | 1,476 |
| Pretax return on assets | 1.7857% | 907 |
| Return on Equity (ROE) | 13.1022% | 1,144 |
| Retained earnings to average equity (ytd only) | 9.0456% | 1,367 |
| Net charge-offs to loans | -0.0423% | 6,057 |
| Credit loss provision to net charge-offs | -248.4375% | 5,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4357% | 4,760 |
| Assets per employee ($millions) | 2.7357% | 6,360 |
| Cash dividends to net income (ytd only)* | 30.9614% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8018% | 2,613 |
| Loan loss allowance to noncurrent loans | 275.9939% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.7228% | 4,561 |
| Noncurrent loans to loans | 0.6528% | 4,818 |
| Net loans and leases to total assets | 66.3923% | 2,302 |
| Net loans and leases to deposits | 74.3615% | 2,875 |
| Net loans and leases to core deposits | 83.4077% | 2,405 |
| Total domestic deposits to total assets | 89.2831% | 1,498 |
| Equity capital to assets | 9.5782% | 4,738 |
| Core capital (leverage) ratio | 9.0103% | 4,864 |
| Tier 1 risk-based capital ratio | 12.4985% | 5,578 |
| Total risk-based capital ratio | 13.7519% | 5,529 |
| Memoranda: | ||
| Average total assets | $1,767,622,500 | 394 |
| Average earning assets | $1,593,060,500 | 396 |
| Average equity | $169,895,500 | 452 |
| Average total loans | $1,209,831,500 | 366 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7903% | 2,238 |
| Cost of funding earning assets | 0.3723% | 6,094 |
| Net interest margin | 4.4181% | 1,125 |
| Noninterest income to average assets | 1.8730% | 479 |
| Noninterest expense to average assets | 3.8590% | 1,155 |
| Loan and lease loss provision to assets | 0.1952% | 3,194 |
| Net operating income to assets | 1.2909% | 1,332 |
| Return on assets (ROA) | 1.2932% | 1,477 |
| Pretax return on assets | 1.7713% | 972 |
| Return on Equity (ROE) | 14.0166% | 986 |
| Retained earnings to average equity (ytd only) | 10.0236% | 595 |
| Net charge-offs to loans | 0.1990% | 3,783 |
| Credit loss provision to net charge-offs | 142.9724% | 1,911 |
| Earnings coverage of net charge-offs (x) | 14.3805% | 1,738 |
| Efficiency ratio | 65.7832% | 4,547 |
| Assets per employee ($millions) | 2.6741% | 6,452 |
| Cash dividends to net income (ytd only)* | 28.4875% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7536% | 2,746 |
| Loan loss allowance to noncurrent loans | 275.1163% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.7457% | 4,612 |
| Noncurrent loans to loans | 0.6374% | 4,923 |
| Net loans and leases to total assets | 68.0777% | 2,167 |
| Net loans and leases to deposits | 76.2755% | 2,757 |
| Net loans and leases to core deposits | 86.7929% | 2,212 |
| Total domestic deposits to total assets | 89.2524% | 1,405 |
| Equity capital to assets | 9.6455% | 4,666 |
| Core capital (leverage) ratio | 9.0296% | 4,849 |
| Tier 1 risk-based capital ratio | 12.1014% | 5,718 |
| Total risk-based capital ratio | 13.3543% | 5,682 |
| Memoranda: | ||
| Average total assets | $1,724,964,800 | 399 |
| Average earning assets | $1,541,938,000 | 399 |
| Average equity | $159,154,600 | 469 |
| Average total loans | $1,183,505,200 | 369 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8272% | 2,286 |
| Cost of funding earning assets | 0.3898% | 6,175 |
| Net interest margin | 4.4374% | 1,122 |
| Noninterest income to average assets | 1.6745% | 548 |
| Noninterest expense to average assets | 3.8343% | 1,150 |
| Loan and lease loss provision to assets | 0.1533% | 3,611 |
| Net operating income to assets | 1.1567% | 1,880 |
| Return on assets (ROA) | 1.1619% | 2,057 |
| Pretax return on assets | 1.6601% | 1,390 |
| Return on Equity (ROE) | 12.7402% | 1,400 |
| Retained earnings to average equity (ytd only) | 8.6852% | 1,352 |
| Net charge-offs to loans | 0.1223% | 4,153 |
| Credit loss provision to net charge-offs | 183.1325% | 1,518 |
| Earnings coverage of net charge-offs (x) | 21.5718% | 1,399 |
| Efficiency ratio | 67.5297% | 4,169 |
| Assets per employee ($millions) | 2.7605% | 6,411 |
| Cash dividends to net income (ytd only)* | 31.8285% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7666% | 2,911 |
| Loan loss allowance to noncurrent loans | 322.2899% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 4,937 |
| Noncurrent loans to loans | 0.5481% | 5,346 |
| Net loans and leases to total assets | 68.4431% | 2,230 |
| Net loans and leases to deposits | 76.6990% | 2,879 |
| Net loans and leases to core deposits | 87.5548% | 2,267 |
| Total domestic deposits to total assets | 89.2360% | 1,291 |
| Equity capital to assets | 9.5477% | 5,143 |
| Core capital (leverage) ratio | 8.6661% | 5,525 |
| Tier 1 risk-based capital ratio | 11.7308% | 6,091 |
| Total risk-based capital ratio | 12.9837% | 6,073 |
| Memoranda: | ||
| Average total assets | $1,718,320,750 | 399 |
| Average earning assets | $1,535,699,500 | 399 |
| Average equity | $156,707,000 | 473 |
| Average total loans | $1,175,958,500 | 374 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8393% | 2,342 |
| Cost of funding earning assets | 0.4099% | 6,218 |
| Net interest margin | 4.4295% | 1,130 |
| Noninterest income to average assets | 1.6484% | 545 |
| Noninterest expense to average assets | 3.7994% | 1,215 |
| Loan and lease loss provision to assets | 0.1298% | 3,906 |
| Net operating income to assets | 1.1695% | 1,815 |
| Return on assets (ROA) | 1.1780% | 1,992 |
| Pretax return on assets | 1.6833% | 1,304 |
| Return on Equity (ROE) | 13.1224% | 1,332 |
| Retained earnings to average equity (ytd only) | 9.0020% | 1,276 |
| Net charge-offs to loans | 0.0656% | 4,515 |
| Credit loss provision to net charge-offs | 291.1227% | 1,004 |
| Earnings coverage of net charge-offs (x) | 40.3890% | 866 |
| Efficiency ratio | 67.4054% | 4,255 |
| Assets per employee ($millions) | 2.7896% | 6,421 |
| Cash dividends to net income (ytd only)* | 31.3995% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 3,017 |
| Loan loss allowance to noncurrent loans | 272.7308% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8012% | 4,800 |
| Noncurrent loans to loans | 0.6425% | 5,228 |
| Net loans and leases to total assets | 66.6836% | 2,530 |
| Net loans and leases to deposits | 75.4610% | 3,056 |
| Net loans and leases to core deposits | 83.4424% | 2,763 |
| Total domestic deposits to total assets | 88.3683% | 1,916 |
| Equity capital to assets | 8.9617% | 5,742 |
| Core capital (leverage) ratio | 8.5576% | 5,573 |
| Tier 1 risk-based capital ratio | 11.4518% | 6,246 |
| Total risk-based capital ratio | 12.7046% | 6,221 |
| Memoranda: | ||
| Average total assets | $1,717,832,670 | 401 |
| Average earning assets | $1,532,687,330 | 400 |
| Average equity | $154,209,330 | 475 |
| Average total loans | $1,168,530,330 | 374 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8911% | 2,282 |
| Cost of funding earning assets | 0.4533% | 6,126 |
| Net interest margin | 4.4379% | 1,139 |
| Noninterest income to average assets | 1.6632% | 533 |
| Noninterest expense to average assets | 3.7803% | 1,241 |
| Loan and lease loss provision to assets | 0.1039% | 4,039 |
| Net operating income to assets | 1.2260% | 1,666 |
| Return on assets (ROA) | 1.2169% | 1,869 |
| Pretax return on assets | 1.7452% | 1,208 |
| Return on Equity (ROE) | 13.5437% | 1,285 |
| Retained earnings to average equity (ytd only) | 9.3673% | 1,451 |
| Net charge-offs to loans | -0.0260% | 6,283 |
| Credit loss provision to net charge-offs | -586.6667% | 5,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5844% | 4,448 |
| Assets per employee ($millions) | 2.8529% | 6,429 |
| Cash dividends to net income (ytd only)* | 30.8364% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7915% | 3,023 |
| Loan loss allowance to noncurrent loans | 257.7949% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.8788% | 4,770 |
| Noncurrent loans to loans | 0.6949% | 5,280 |
| Net loans and leases to total assets | 66.5673% | 2,368 |
| Net loans and leases to deposits | 73.7306% | 3,153 |
| Net loans and leases to core deposits | 82.1741% | 2,806 |
| Total domestic deposits to total assets | 90.2844% | 925 |
| Equity capital to assets | 9.0240% | 5,454 |
| Core capital (leverage) ratio | 8.4983% | 5,595 |
| Tier 1 risk-based capital ratio | 11.7150% | 6,148 |
| Total risk-based capital ratio | 12.9684% | 6,130 |
| Memoranda: | ||
| Average total assets | $1,693,827,000 | 405 |
| Average earning assets | $1,518,744,500 | 404 |
| Average equity | $152,189,000 | 476 |
| Average total loans | $1,153,529,500 | 376 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0410% | 2,703 |
| Cost of funding earning assets | 0.5480% | 6,347 |
| Net interest margin | 4.4930% | 1,151 |
| Noninterest income to average assets | 1.7337% | 471 |
| Noninterest expense to average assets | 3.8876% | 1,199 |
| Loan and lease loss provision to assets | 0.4479% | 2,364 |
| Net operating income to assets | 0.9841% | 2,261 |
| Return on assets (ROA) | 1.0046% | 2,323 |
| Pretax return on assets | 1.4295% | 1,686 |
| Return on Equity (ROE) | 11.6106% | 1,528 |
| Retained earnings to average equity (ytd only) | 7.0842% | 1,458 |
| Net charge-offs to loans | 0.5755% | 2,723 |
| Credit loss provision to net charge-offs | 110.7974% | 3,010 |
| Earnings coverage of net charge-offs (x) | 4.5715% | 3,062 |
| Efficiency ratio | 67.6711% | 4,428 |
| Assets per employee ($millions) | 2.7474% | 6,538 |
| Cash dividends to net income (ytd only)* | 38.9850% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7676% | 2,973 |
| Loan loss allowance to noncurrent loans | 275.1969% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.9479% | 4,711 |
| Noncurrent loans to loans | 0.6423% | 5,425 |
| Net loans and leases to total assets | 67.2196% | 2,536 |
| Net loans and leases to deposits | 75.5836% | 3,243 |
| Net loans and leases to core deposits | 84.2503% | 2,860 |
| Total domestic deposits to total assets | 88.9341% | 1,587 |
| Equity capital to assets | 8.9450% | 5,613 |
| Core capital (leverage) ratio | 8.3271% | 5,820 |
| Tier 1 risk-based capital ratio | 11.4836% | 6,167 |
| Total risk-based capital ratio | 12.7364% | 6,156 |
| Memoranda: | ||
| Average total assets | $1,594,511,000 | 416 |
| Average earning assets | $1,420,260,400 | 421 |
| Average equity | $137,969,000 | 502 |
| Average total loans | $1,120,133,400 | 379 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0418% | 2,882 |
| Cost of funding earning assets | 0.5769% | 6,395 |
| Net interest margin | 4.4649% | 1,230 |
| Noninterest income to average assets | 1.7351% | 464 |
| Noninterest expense to average assets | 3.9111% | 1,133 |
| Loan and lease loss provision to assets | 0.3931% | 2,498 |
| Net operating income to assets | 1.0006% | 2,319 |
| Return on assets (ROA) | 1.0276% | 2,389 |
| Pretax return on assets | 1.4425% | 1,813 |
| Return on Equity (ROE) | 11.9833% | 1,557 |
| Retained earnings to average equity (ytd only) | 7.3844% | 1,782 |
| Net charge-offs to loans | 0.4604% | 2,892 |
| Credit loss provision to net charge-offs | 120.7022% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.5199% | 2,765 |
| Efficiency ratio | 68.5109% | 4,216 |
| Assets per employee ($millions) | 2.8045% | 6,476 |
| Cash dividends to net income (ytd only)* | 38.3778% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7835% | 3,007 |
| Loan loss allowance to noncurrent loans | 225.3679% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 1.2116% | 4,372 |
| Noncurrent loans to loans | 0.7914% | 5,295 |
| Net loans and leases to total assets | 67.1167% | 2,649 |
| Net loans and leases to deposits | 74.1739% | 3,633 |
| Net loans and leases to core deposits | 84.2011% | 3,036 |
| Total domestic deposits to total assets | 90.4855% | 643 |
| Equity capital to assets | 8.7408% | 6,041 |
| Core capital (leverage) ratio | 8.4235% | 5,818 |
| Tier 1 risk-based capital ratio | 11.3235% | 6,346 |
| Total risk-based capital ratio | 12.5765% | 6,334 |
| Memoranda: | ||
| Average total assets | $1,574,166,000 | 422 |
| Average earning assets | $1,400,965,250 | 429 |
| Average equity | $134,984,000 | 520 |
| Average total loans | $1,113,467,000 | 385 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1502% | 2,464 |
| Cost of funding earning assets | 0.6118% | 6,399 |
| Net interest margin | 4.5383% | 1,037 |
| Noninterest income to average assets | 1.7092% | 458 |
| Noninterest expense to average assets | 3.8634% | 1,257 |
| Loan and lease loss provision to assets | 0.4149% | 2,356 |
| Net operating income to assets | 1.0273% | 2,115 |
| Return on assets (ROA) | 1.0569% | 2,112 |
| Pretax return on assets | 1.5043% | 1,518 |
| Return on Equity (ROE) | 12.4118% | 1,374 |
| Retained earnings to average equity (ytd only) | 7.7103% | 1,577 |
| Net charge-offs to loans | 0.4600% | 2,740 |
| Credit loss provision to net charge-offs | 125.9551% | 2,427 |
| Earnings coverage of net charge-offs (x) | 5.6983% | 2,549 |
| Efficiency ratio | 67.3040% | 4,646 |
| Assets per employee ($millions) | 2.6942% | 6,648 |
| Cash dividends to net income (ytd only)* | 37.8790% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8466% | 2,837 |
| Loan loss allowance to noncurrent loans | 277.1538% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 1.1793% | 4,532 |
| Noncurrent loans to loans | 0.6663% | 5,577 |
| Net loans and leases to total assets | 67.8949% | 2,637 |
| Net loans and leases to deposits | 74.8342% | 3,668 |
| Net loans and leases to core deposits | 86.3873% | 2,848 |
| Total domestic deposits to total assets | 90.7271% | 623 |
| Equity capital to assets | 8.5143% | 6,162 |
| Core capital (leverage) ratio | 8.3512% | 5,783 |
| Tier 1 risk-based capital ratio | 11.4847% | 6,178 |
| Total risk-based capital ratio | 12.7385% | 6,163 |
| Memoranda: | ||
| Average total assets | $1,541,732,670 | 439 |
| Average earning assets | $1,369,396,670 | 448 |
| Average equity | $131,278,670 | 535 |
| Average total loans | $1,103,888,330 | 395 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1857% | 2,274 |
| Cost of funding earning assets | 0.6546% | 6,364 |
| Net interest margin | 4.5311% | 1,002 |
| Noninterest income to average assets | 1.7594% | 441 |
| Noninterest expense to average assets | 3.8887% | 1,188 |
| Loan and lease loss provision to assets | 0.5040% | 1,726 |
| Net operating income to assets | 0.9890% | 2,218 |
| Return on assets (ROA) | 1.0589% | 2,028 |
| Pretax return on assets | 1.4874% | 1,485 |
| Return on Equity (ROE) | 12.4346% | 1,343 |
| Retained earnings to average equity (ytd only) | 7.6678% | 1,855 |
| Net charge-offs to loans | 0.3737% | 2,572 |
| Credit loss provision to net charge-offs | 185.1208% | 1,585 |
| Earnings coverage of net charge-offs (x) | 6.9527% | 2,022 |
| Efficiency ratio | 67.2582% | 4,800 |
| Assets per employee ($millions) | 2.6452% | 6,776 |
| Cash dividends to net income (ytd only)* | 38.3354% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8618% | 2,816 |
| Loan loss allowance to noncurrent loans | 198.8916% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 1.3318% | 4,304 |
| Noncurrent loans to loans | 0.9361% | 5,163 |
| Net loans and leases to total assets | 69.4455% | 2,235 |
| Net loans and leases to deposits | 76.5026% | 3,333 |
| Net loans and leases to core deposits | 88.4808% | 2,541 |
| Total domestic deposits to total assets | 90.7754% | 725 |
| Equity capital to assets | 8.4521% | 5,974 |
| Core capital (leverage) ratio | 8.4605% | 5,529 |
| Tier 1 risk-based capital ratio | 11.2766% | 6,281 |
| Total risk-based capital ratio | 12.5307% | 6,255 |
| Memoranda: | ||
| Average total assets | $1,520,508,500 | 448 |
| Average earning assets | $1,349,795,500 | 459 |
| Average equity | $129,477,000 | 537 |
| Average total loans | $1,107,926,000 | 394 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4242% | 2,564 |
| Cost of funding earning assets | 0.9511% | 5,929 |
| Net interest margin | 4.4731% | 1,292 |
| Noninterest income to average assets | 1.8722% | 443 |
| Noninterest expense to average assets | 4.1026% | 1,018 |
| Loan and lease loss provision to assets | 0.7909% | 2,068 |
| Net operating income to assets | 0.6552% | 3,417 |
| Return on assets (ROA) | 0.7096% | 3,327 |
| Pretax return on assets | 1.0116% | 2,895 |
| Return on Equity (ROE) | 8.4374% | 2,519 |
| Retained earnings to average equity (ytd only) | 3.4539% | 3,451 |
| Net charge-offs to loans | 0.9289% | 2,326 |
| Credit loss provision to net charge-offs | 114.5054% | 3,791 |
| Earnings coverage of net charge-offs (x) | 2.4971% | 3,868 |
| Efficiency ratio | 70.4032% | 4,088 |
| Assets per employee ($millions) | 2.5354% | 6,954 |
| Cash dividends to net income (ytd only)* | 59.0644% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 3,019 |
| Loan loss allowance to noncurrent loans | 170.9694% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 1.4370% | 4,182 |
| Noncurrent loans to loans | 1.0250% | 5,018 |
| Net loans and leases to total assets | 73.7437% | 1,710 |
| Net loans and leases to deposits | 81.9973% | 2,807 |
| Net loans and leases to core deposits | 93.6735% | 2,300 |
| Total domestic deposits to total assets | 89.9343% | 1,139 |
| Equity capital to assets | 8.5814% | 5,748 |
| Core capital (leverage) ratio | 8.4380% | 5,472 |
| Tier 1 risk-based capital ratio | 10.9545% | 6,360 |
| Total risk-based capital ratio | 12.2075% | 6,333 |
| Memoranda: | ||
| Average total assets | $1,497,202,000 | 454 |
| Average earning assets | $1,323,830,400 | 465 |
| Average equity | $125,915,000 | 540 |
| Average total loans | $1,113,274,600 | 403 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4070% | 2,843 |
| Cost of funding earning assets | 0.9935% | 5,969 |
| Net interest margin | 4.4135% | 1,485 |
| Noninterest income to average assets | 1.8848% | 413 |
| Noninterest expense to average assets | 3.9893% | 1,057 |
| Loan and lease loss provision to assets | 0.7535% | 2,034 |
| Net operating income to assets | 0.7241% | 3,302 |
| Return on assets (ROA) | 0.7991% | 3,161 |
| Pretax return on assets | 1.1532% | 2,663 |
| Return on Equity (ROE) | 9.5504% | 2,304 |
| Retained earnings to average equity (ytd only) | 4.5228% | 3,326 |
| Net charge-offs to loans | 0.8279% | 2,383 |
| Credit loss provision to net charge-offs | 122.6871% | 3,349 |
| Earnings coverage of net charge-offs (x) | 2.9275% | 3,671 |
| Efficiency ratio | 68.9325% | 4,279 |
| Assets per employee ($millions) | 2.5363% | 7,036 |
| Cash dividends to net income (ytd only)* | 52.6427% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7576% | 2,947 |
| Loan loss allowance to noncurrent loans | 180.8507% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 1.4431% | 4,290 |
| Noncurrent loans to loans | 0.9719% | 5,292 |
| Net loans and leases to total assets | 73.8750% | 1,832 |
| Net loans and leases to deposits | 84.4982% | 2,619 |
| Net loans and leases to core deposits | 96.5070% | 2,199 |
| Total domestic deposits to total assets | 87.4280% | 2,304 |
| Equity capital to assets | 8.7113% | 5,994 |
| Core capital (leverage) ratio | 8.4057% | 5,688 |
| Tier 1 risk-based capital ratio | 10.9055% | 6,457 |
| Total risk-based capital ratio | 12.1585% | 6,436 |
| Memoranda: | ||
| Average total assets | $1,499,425,750 | 452 |
| Average earning assets | $1,325,826,250 | 460 |
| Average equity | $125,464,500 | 533 |
| Average total loans | $1,112,316,000 | 403 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3304% | 3,316 |
| Cost of funding earning assets | 0.9880% | 6,207 |
| Net interest margin | 4.3424% | 1,628 |
| Noninterest income to average assets | 1.8576% | 392 |
| Noninterest expense to average assets | 3.8528% | 1,262 |
| Loan and lease loss provision to assets | 0.8299% | 1,751 |
| Net operating income to assets | 0.6829% | 3,471 |
| Return on assets (ROA) | 0.7004% | 3,560 |
| Pretax return on assets | 1.0453% | 2,957 |
| Return on Equity (ROE) | 8.4848% | 2,676 |
| Retained earnings to average equity (ytd only) | 3.3482% | 3,977 |
| Net charge-offs to loans | 0.8652% | 2,099 |
| Credit loss provision to net charge-offs | 129.8918% | 3,096 |
| Earnings coverage of net charge-offs (x) | 2.8943% | 3,551 |
| Efficiency ratio | 67.5693% | 4,660 |
| Assets per employee ($millions) | 2.5032% | 7,097 |
| Cash dividends to net income (ytd only)* | 60.5393% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7555% | 2,875 |
| Loan loss allowance to noncurrent loans | 132.3677% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 1.5930% | 4,061 |
| Noncurrent loans to loans | 1.3262% | 4,736 |
| Net loans and leases to total assets | 71.2751% | 2,598 |
| Net loans and leases to deposits | 80.0835% | 3,585 |
| Net loans and leases to core deposits | 95.3724% | 2,525 |
| Total domestic deposits to total assets | 89.0010% | 1,441 |
| Equity capital to assets | 8.2191% | 6,518 |
| Core capital (leverage) ratio | 8.1513% | 6,033 |
| Tier 1 risk-based capital ratio | 10.7696% | 6,471 |
| Total risk-based capital ratio | 12.0224% | 6,456 |
| Memoranda: | ||
| Average total assets | $1,503,804,000 | 451 |
| Average earning assets | $1,331,338,670 | 457 |
| Average equity | $124,127,670 | 536 |
| Average total loans | $1,110,540,670 | 412 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3727% | 3,179 |
| Cost of funding earning assets | 1.0094% | 6,333 |
| Net interest margin | 4.3633% | 1,494 |
| Noninterest income to average assets | 1.7947% | 401 |
| Noninterest expense to average assets | 3.8547% | 1,238 |
| Loan and lease loss provision to assets | 1.1777% | 1,038 |
| Net operating income to assets | 0.4201% | 4,755 |
| Return on assets (ROA) | 0.4651% | 4,685 |
| Pretax return on assets | 0.6852% | 4,286 |
| Return on Equity (ROE) | 5.6218% | 4,057 |
| Retained earnings to average equity (ytd only) | 0.2824% | 5,722 |
| Net charge-offs to loans | 0.8161% | 1,902 |
| Credit loss provision to net charge-offs | 193.6424% | 1,910 |
| Earnings coverage of net charge-offs (x) | 2.9545% | 3,075 |
| Efficiency ratio | 68.2060% | 4,684 |
| Assets per employee ($millions) | 2.4707% | 7,234 |
| Cash dividends to net income (ytd only)* | 94.9769% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8279% | 2,648 |
| Loan loss allowance to noncurrent loans | 136.7434% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 1.6522% | 3,997 |
| Noncurrent loans to loans | 1.3367% | 4,746 |
| Net loans and leases to total assets | 71.6204% | 2,540 |
| Net loans and leases to deposits | 80.3859% | 3,579 |
| Net loans and leases to core deposits | 97.3924% | 2,410 |
| Total domestic deposits to total assets | 89.0957% | 1,472 |
| Equity capital to assets | 8.1448% | 6,498 |
| Core capital (leverage) ratio | 8.1742% | 5,952 |
| Tier 1 risk-based capital ratio | 10.8205% | 6,327 |
| Total risk-based capital ratio | 12.0746% | 6,302 |
| Memoranda: | ||
| Average total assets | $1,489,732,000 | 470 |
| Average earning assets | $1,316,797,000 | 473 |
| Average equity | $123,235,500 | 545 |
| Average total loans | $1,110,106,500 | 431 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8475% | 2,449 |
| Cost of funding earning assets | 1.3004% | 6,304 |
| Net interest margin | 4.5471% | 1,083 |
| Noninterest income to average assets | 1.9619% | 384 |
| Noninterest expense to average assets | 4.3344% | 948 |
| Loan and lease loss provision to assets | 0.7291% | 2,922 |
| Net operating income to assets | 0.6317% | 3,210 |
| Return on assets (ROA) | 0.6513% | 3,191 |
| Pretax return on assets | 0.9376% | 2,803 |
| Return on Equity (ROE) | 7.9541% | 2,390 |
| Retained earnings to average equity (ytd only) | 3.0169% | 3,055 |
| Net charge-offs to loans | 0.5966% | 3,425 |
| Credit loss provision to net charge-offs | 155.6638% | 2,915 |
| Earnings coverage of net charge-offs (x) | 3.4979% | 3,318 |
| Efficiency ratio | 72.5703% | 4,169 |
| Assets per employee ($millions) | 2.3179% | 7,454 |
| Cash dividends to net income (ytd only)* | 62.0716% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6208% | 3,193 |
| Loan loss allowance to noncurrent loans | 132.5414% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 1.5895% | 3,993 |
| Noncurrent loans to loans | 1.2228% | 4,910 |
| Net loans and leases to total assets | 74.8995% | 2,054 |
| Net loans and leases to deposits | 85.4047% | 3,009 |
| Net loans and leases to core deposits | 106.1833% | 3,310 |
| Total domestic deposits to total assets | 87.6995% | 2,122 |
| Equity capital to assets | 8.4042% | 6,054 |
| Core capital (leverage) ratio | 8.5835% | 5,128 |
| Tier 1 risk-based capital ratio | 10.6926% | 6,213 |
| Total risk-based capital ratio | 11.9447% | 6,189 |
| Memoranda: | ||
| Average total assets | $1,402,310,600 | 485 |
| Average earning assets | $1,236,912,000 | 496 |
| Average equity | $114,821,200 | 570 |
| Average total loans | $1,100,922,200 | 447 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8997% | 2,451 |
| Cost of funding earning assets | 1.3640% | 6,355 |
| Net interest margin | 4.5358% | 1,107 |
| Noninterest income to average assets | 2.0145% | 361 |
| Noninterest expense to average assets | 4.3651% | 846 |
| Loan and lease loss provision to assets | 0.5842% | 3,047 |
| Net operating income to assets | 0.7056% | 3,187 |
| Return on assets (ROA) | 0.7308% | 3,160 |
| Pretax return on assets | 1.1087% | 2,537 |
| Return on Equity (ROE) | 8.9874% | 2,261 |
| Retained earnings to average equity (ytd only) | 4.1093% | 2,983 |
| Net charge-offs to loans | 0.3782% | 3,759 |
| Credit loss provision to net charge-offs | 195.1815% | 2,312 |
| Earnings coverage of net charge-offs (x) | 5.5284% | 2,796 |
| Efficiency ratio | 72.5115% | 4,148 |
| Assets per employee ($millions) | 2.2296% | 7,583 |
| Cash dividends to net income (ytd only)* | 54.2763% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 3,134 |
| Loan loss allowance to noncurrent loans | 89.8620% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 1.6948% | 3,837 |
| Noncurrent loans to loans | 1.7440% | 4,011 |
| Net loans and leases to total assets | 76.6299% | 1,866 |
| Net loans and leases to deposits | 87.7287% | 3,019 |
| Net loans and leases to core deposits | 108.6126% | 3,394 |
| Total domestic deposits to total assets | 87.3487% | 1,984 |
| Equity capital to assets | 8.6550% | 6,024 |
| Core capital (leverage) ratio | 8.6837% | 5,159 |
| Tier 1 risk-based capital ratio | 10.9125% | 6,036 |
| Total risk-based capital ratio | 12.1641% | 5,999 |
| Memoranda: | ||
| Average total assets | $1,386,662,000 | 507 |
| Average earning assets | $1,224,519,000 | 512 |
| Average equity | $112,748,250 | 592 |
| Average total loans | $1,097,332,000 | 462 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9253% | 2,476 |
| Cost of funding earning assets | 1.4161% | 6,425 |
| Net interest margin | 4.5092% | 1,148 |
| Noninterest income to average assets | 2.0179% | 370 |
| Noninterest expense to average assets | 4.4895% | 788 |
| Loan and lease loss provision to assets | 0.5879% | 2,683 |
| Net operating income to assets | 0.6008% | 3,670 |
| Return on assets (ROA) | 0.6019% | 3,775 |
| Pretax return on assets | 0.9153% | 3,288 |
| Return on Equity (ROE) | 7.5713% | 2,936 |
| Retained earnings to average equity (ytd only) | 2.6623% | 3,847 |
| Net charge-offs to loans | 0.2918% | 3,733 |
| Credit loss provision to net charge-offs | 253.2288% | 1,838 |
| Earnings coverage of net charge-offs (x) | 6.4677% | 2,613 |
| Efficiency ratio | 74.9356% | 3,888 |
| Assets per employee ($millions) | 2.1728% | 7,706 |
| Cash dividends to net income (ytd only)* | 64.8368% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 3,032 |
| Loan loss allowance to noncurrent loans | 87.3692% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.6397% | 3,748 |
| Noncurrent loans to loans | 1.7516% | 3,883 |
| Net loans and leases to total assets | 76.7138% | 2,013 |
| Net loans and leases to deposits | 88.7338% | 3,045 |
| Net loans and leases to core deposits | 108.5631% | 3,544 |
| Total domestic deposits to total assets | 86.4538% | 2,532 |
| Equity capital to assets | 8.5100% | 6,031 |
| Core capital (leverage) ratio | 8.6226% | 5,223 |
| Tier 1 risk-based capital ratio | 10.8618% | 6,021 |
| Total risk-based capital ratio | 12.1131% | 5,960 |
| Memoranda: | ||
| Average total assets | $1,373,975,000 | 519 |
| Average earning assets | $1,210,643,330 | 527 |
| Average equity | $109,227,670 | 615 |
| Average total loans | $1,093,394,000 | 480 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4746% | 5,048 |
| Cost of funding earning assets | 1.1441% | 7,436 |
| Net interest margin | 4.3305% | 1,514 |
| Noninterest income to average assets | 5.5684% | 123 |
| Noninterest expense to average assets | 7.2559% | 191 |
| Loan and lease loss provision to assets | 0.5067% | 2,446 |
| Net operating income to assets | 1.0719% | 2,057 |
| Return on assets (ROA) | 1.0719% | 2,194 |
| Pretax return on assets | 1.6009% | 1,403 |
| Return on Equity (ROE) | 12.9056% | 1,417 |
| Retained earnings to average equity (ytd only) | 5.0271% | 3,111 |
| Net charge-offs to loans | 0.2563% | 3,128 |
| Credit loss provision to net charge-offs | 254.7718% | 1,849 |
| Earnings coverage of net charge-offs (x) | 10.5975% | 1,941 |
| Efficiency ratio | 77.4918% | 3,253 |
| Assets per employee ($millions) | 1.8190% | 8,009 |
| Cash dividends to net income (ytd only)* | 61.0470% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 3,773 |
| Loan loss allowance to noncurrent loans | 94.4393% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.5170% | 3,659 |
| Noncurrent loans to loans | 1.4339% | 4,154 |
| Net loans and leases to total assets | 76.0456% | 2,256 |
| Net loans and leases to deposits | 92.0199% | 2,601 |
| Net loans and leases to core deposits | 108.1920% | 3,656 |
| Total domestic deposits to total assets | 82.6404% | 4,316 |
| Equity capital to assets | 8.2136% | 6,519 |
| Core capital (leverage) ratio | 8.3786% | 5,761 |
| Tier 1 risk-based capital ratio | 10.2096% | 6,706 |
| Total risk-based capital ratio | 11.4587% | 6,620 |
| Memoranda: | ||
| Average total assets | $484,735,500 | 1,464 |
| Average earning assets | $424,800,000 | 1,535 |
| Average equity | $40,261,500 | 1,694 |
| Average total loans | $376,102,000 | 1,329 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1720% | 4,656 |
| Cost of funding earning assets | 1.8055% | 6,989 |
| Net interest margin | 4.3665% | 1,777 |
| Noninterest income to average assets | 2.0502% | 333 |
| Noninterest expense to average assets | 4.1582% | 1,191 |
| Loan and lease loss provision to assets | 0.3774% | 3,423 |
| Net operating income to assets | 0.8937% | 3,028 |
| Return on assets (ROA) | 0.8939% | 2,868 |
| Pretax return on assets | 1.3115% | 2,273 |
| Return on Equity (ROE) | 10.3431% | 2,143 |
| Retained earnings to average equity (ytd only) | 2.3961% | 3,709 |
| Net charge-offs to loans | 0.3922% | 2,857 |
| Credit loss provision to net charge-offs | 121.7877% | 4,411 |
| Earnings coverage of net charge-offs (x) | 5.4497% | 3,645 |
| Efficiency ratio | 71.1188% | 4,106 |
| Assets per employee ($millions) | 3.1981% | 5,489 |
| Cash dividends to net income (ytd only)* | 76.8337% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 3,909 |
| Loan loss allowance to noncurrent loans | 79.1971% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.5292% | 3,160 |
| Noncurrent loans to loans | 1.6196% | 3,339 |
| Net loans and leases to total assets | 77.1041% | 2,350 |
| Net loans and leases to deposits | 95.2171% | 2,578 |
| Net loans and leases to core deposits | 106.4668% | 4,139 |
| Total domestic deposits to total assets | 80.9771% | 4,647 |
| Equity capital to assets | 8.4013% | 6,252 |
| Core capital (leverage) ratio | 8.7283% | 5,154 |
| Tier 1 risk-based capital ratio | 10.4133% | 6,299 |
| Total risk-based capital ratio | 11.6617% | 6,178 |
| Memoranda: | ||
| Average total assets | $462,141,600 | 1,489 |
| Average earning assets | $401,829,400 | 1,551 |
| Average equity | $39,939,800 | 1,686 |
| Average total loans | $365,154,000 | 1,326 |