Home > MidSouth Bank > Performance and Condition Ratios
MidSouth 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 | 4.5686% | 2,776 |
| Cost of funding earning assets | 0.4719% | 4,238 |
| Net interest margin | 4.0966% | 1,617 |
| Noninterest income to average assets | 1.2172% | 577 |
| Noninterest expense to average assets | 4.4018% | 335 |
| Loan and lease loss provision to assets | 1.4274% | 60 |
| Net operating income to assets | -0.9468% | 5,220 |
| Return on assets (ROA) | -0.8804% | 5,220 |
| Pretax return on assets | -0.8804% | 5,217 |
| Return on Equity (ROE) | -7.6674% | 5,225 |
| Retained earnings to average equity (ytd only) | -7.6674% | 5,130 |
| Net charge-offs to loans | 0.3676% | 450 |
| Credit loss provision to net charge-offs | 744.5181% | 447 |
| Earnings coverage of net charge-offs (x) | 2.5066% | 2,934 |
| Efficiency ratio | 88.8492% | 398 |
| Assets per employee ($millions) | 3.7466% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1594% | 115 |
| Loan loss allowance to noncurrent loans | 120.7616% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.3830% | 872 |
| Noncurrent loans to loans | 2.6162% | 429 |
| Net loans and leases to total assets | 50.3574% | 4,454 |
| Net loans and leases to deposits | 58.8558% | 4,482 |
| Net loans and leases to core deposits | 64.4558% | 4,393 |
| Total domestic deposits to total assets | 85.5607% | 2,240 |
| Equity capital to assets | 11.6852% | 2,458 |
| Core capital (leverage) ratio | 9.0782% | 4,570 |
| Tier 1 risk-based capital ratio | 14.3417% | 3,144 |
| Total risk-based capital ratio | 15.6095% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,731,738,670 | 487 |
| Average earning assets | $1,549,367,330 | 496 |
| Average equity | $198,841,000 | 472 |
| Average total loans | $903,054,330 | 640 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5027% | 2,854 |
| Cost of funding earning assets | 0.4734% | 4,188 |
| Net interest margin | 4.0293% | 1,764 |
| Noninterest income to average assets | 1.3094% | 496 |
| Noninterest expense to average assets | 4.4887% | 294 |
| Loan and lease loss provision to assets | 1.7456% | 47 |
| Net operating income to assets | -1.3216% | 5,301 |
| Return on assets (ROA) | -1.2359% | 5,294 |
| Pretax return on assets | -1.2359% | 5,290 |
| Return on Equity (ROE) | -10.8583% | 5,301 |
| Retained earnings to average equity (ytd only) | -10.8583% | 5,134 |
| Net charge-offs to loans | 0.1104% | 1,075 |
| Credit loss provision to net charge-offs | 3,027.8884% | 137 |
| Earnings coverage of net charge-offs (x) | 7.3546% | 2,141 |
| Efficiency ratio | 90.0743% | 389 |
| Assets per employee ($millions) | 3.6294% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7681% | 170 |
| Loan loss allowance to noncurrent loans | 106.8475% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.3693% | 926 |
| Noncurrent loans to loans | 2.5907% | 496 |
| Net loans and leases to total assets | 49.9619% | 4,475 |
| Net loans and leases to deposits | 58.4499% | 4,479 |
| Net loans and leases to core deposits | 63.6919% | 4,396 |
| Total domestic deposits to total assets | 85.4782% | 2,492 |
| Equity capital to assets | 11.3950% | 2,492 |
| Core capital (leverage) ratio | 9.0883% | 4,583 |
| Tier 1 risk-based capital ratio | 14.2536% | 3,216 |
| Total risk-based capital ratio | 15.5170% | 3,138 |
| Memoranda: | ||
| Average total assets | $1,741,516,000 | 488 |
| Average earning assets | $1,557,378,000 | 496 |
| Average equity | $198,225,500 | 474 |
| Average total loans | $909,411,000 | 637 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6012% | 2,126 |
| Cost of funding earning assets | 0.4106% | 3,922 |
| Net interest margin | 4.1905% | 1,417 |
| Noninterest income to average assets | 1.0162% | 918 |
| Noninterest expense to average assets | 4.9158% | 216 |
| Loan and lease loss provision to assets | 0.9142% | 102 |
| Net operating income to assets | -1.3504% | 5,353 |
| Return on assets (ROA) | -1.3557% | 5,350 |
| Pretax return on assets | -1.0632% | 5,337 |
| Return on Equity (ROE) | -11.4622% | 5,357 |
| Retained earnings to average equity (ytd only) | -11.4622% | 5,331 |
| Net charge-offs to loans | 2.4783% | 41 |
| Credit loss provision to net charge-offs | 63.8980% | 3,058 |
| Earnings coverage of net charge-offs (x) | -0.1005% | 3,719 |
| Efficiency ratio | 101.7475% | 128 |
| Assets per employee ($millions) | 3.6729% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8871% | 584 |
| Loan loss allowance to noncurrent loans | 59.4110% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.7465% | 601 |
| Noncurrent loans to loans | 3.1763% | 307 |
| Net loans and leases to total assets | 52.0542% | 4,408 |
| Net loans and leases to deposits | 60.5406% | 4,454 |
| Net loans and leases to core deposits | 65.8864% | 4,366 |
| Total domestic deposits to total assets | 85.9822% | 2,237 |
| Equity capital to assets | 11.3697% | 2,351 |
| Core capital (leverage) ratio | 9.1058% | 4,554 |
| Tier 1 risk-based capital ratio | 14.1441% | 3,220 |
| Total risk-based capital ratio | 15.3984% | 3,154 |
| Memoranda: | ||
| Average total assets | $1,831,115,000 | 449 |
| Average earning assets | $1,641,154,800 | 459 |
| Average equity | $216,572,800 | 425 |
| Average total loans | $1,057,093,200 | 534 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5073% | 2,273 |
| Cost of funding earning assets | 0.3888% | 3,945 |
| Net interest margin | 4.1185% | 1,574 |
| Noninterest income to average assets | 0.9990% | 959 |
| Noninterest expense to average assets | 4.7312% | 245 |
| Loan and lease loss provision to assets | 0.3409% | 403 |
| Net operating income to assets | -0.2889% | 5,362 |
| Return on assets (ROA) | -0.2926% | 5,361 |
| Pretax return on assets | -0.3861% | 5,369 |
| Return on Equity (ROE) | -2.4517% | 5,361 |
| Retained earnings to average equity (ytd only) | -2.4517% | 5,223 |
| Net charge-offs to loans | 0.8777% | 162 |
| Credit loss provision to net charge-offs | 66.0351% | 2,672 |
| Earnings coverage of net charge-offs (x) | -0.0783% | 3,421 |
| Efficiency ratio | 99.5891% | 160 |
| Assets per employee ($millions) | 3.9473% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5374% | 232 |
| Loan loss allowance to noncurrent loans | 47.4914% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 2.8791% | 265 |
| Noncurrent loans to loans | 5.3428% | 106 |
| Net loans and leases to total assets | 51.4971% | 4,501 |
| Net loans and leases to deposits | 60.3720% | 4,525 |
| Net loans and leases to core deposits | 64.6907% | 4,476 |
| Total domestic deposits to total assets | 85.2997% | 2,488 |
| Equity capital to assets | 11.8292% | 2,018 |
| Core capital (leverage) ratio | 9.9420% | 3,698 |
| Tier 1 risk-based capital ratio | 15.1418% | 2,821 |
| Total risk-based capital ratio | 16.4026% | 2,733 |
| Memoranda: | ||
| Average total assets | $1,853,659,000 | 441 |
| Average earning assets | $1,661,590,000 | 450 |
| Average equity | $221,231,000 | 417 |
| Average total loans | $1,090,451,250 | 518 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5122% | 2,056 |
| Cost of funding earning assets | 0.3685% | 3,948 |
| Net interest margin | 4.1436% | 1,431 |
| Noninterest income to average assets | 0.9369% | 1,083 |
| Noninterest expense to average assets | 4.5684% | 282 |
| Loan and lease loss provision to assets | 0.0472% | 2,961 |
| Net operating income to assets | 0.0466% | 5,321 |
| Return on assets (ROA) | 0.0411% | 5,315 |
| Pretax return on assets | 0.0347% | 5,322 |
| Return on Equity (ROE) | 0.3434% | 5,317 |
| Retained earnings to average equity (ytd only) | 0.3434% | 4,904 |
| Net charge-offs to loans | 0.6734% | 219 |
| Credit loss provision to net charge-offs | 11.5364% | 2,725 |
| Earnings coverage of net charge-offs (x) | 0.2134% | 3,135 |
| Efficiency ratio | 96.8491% | 208 |
| Assets per employee ($millions) | 4.3374% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2207% | 361 |
| Loan loss allowance to noncurrent loans | 31.9740% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 4.0350% | 135 |
| Noncurrent loans to loans | 6.9454% | 57 |
| Net loans and leases to total assets | 55.7704% | 4,183 |
| Net loans and leases to deposits | 65.9106% | 4,171 |
| Net loans and leases to core deposits | 70.8629% | 4,092 |
| Total domestic deposits to total assets | 84.6153% | 2,834 |
| Equity capital to assets | 11.9397% | 1,892 |
| Core capital (leverage) ratio | 10.1004% | 3,479 |
| Tier 1 risk-based capital ratio | 14.3565% | 3,177 |
| Total risk-based capital ratio | 15.6142% | 3,094 |
| Memoranda: | ||
| Average total assets | $1,863,655,000 | 434 |
| Average earning assets | $1,672,635,000 | 443 |
| Average equity | $223,066,000 | 413 |
| Average total loans | $1,132,739,000 | 504 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5282% | 1,785 |
| Cost of funding earning assets | 0.3497% | 3,996 |
| Net interest margin | 4.1785% | 1,220 |
| Noninterest income to average assets | 0.8337% | 1,355 |
| Noninterest expense to average assets | 4.4422% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1371% | 5,301 |
| Return on assets (ROA) | 0.1371% | 5,296 |
| Pretax return on assets | 0.1467% | 5,305 |
| Return on Equity (ROE) | 1.1440% | 5,292 |
| Retained earnings to average equity (ytd only) | 1.1440% | 4,591 |
| Net charge-offs to loans | 0.5188% | 287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.4515% | 2,638 |
| Efficiency ratio | 95.5093% | 261 |
| Assets per employee ($millions) | 4.1791% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2269% | 374 |
| Loan loss allowance to noncurrent loans | 30.5366% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 4.5749% | 111 |
| Noncurrent loans to loans | 7.2927% | 61 |
| Net loans and leases to total assets | 60.0325% | 3,748 |
| Net loans and leases to deposits | 71.7181% | 3,639 |
| Net loans and leases to core deposits | 75.8404% | 3,681 |
| Total domestic deposits to total assets | 83.7062% | 3,430 |
| Equity capital to assets | 11.9958% | 1,792 |
| Core capital (leverage) ratio | 10.1164% | 3,407 |
| Tier 1 risk-based capital ratio | 13.4973% | 3,652 |
| Total risk-based capital ratio | 14.7554% | 3,559 |
| Memoranda: | ||
| Average total assets | $1,867,279,500 | 440 |
| Average earning assets | $1,678,112,500 | 445 |
| Average equity | $223,774,500 | 417 |
| Average total loans | $1,169,689,000 | 491 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6434% | 1,327 |
| Cost of funding earning assets | 0.3054% | 4,082 |
| Net interest margin | 4.3380% | 889 |
| Noninterest income to average assets | 0.6880% | 2,016 |
| Noninterest expense to average assets | 3.6972% | 794 |
| Loan and lease loss provision to assets | 1.5656% | 51 |
| Net operating income to assets | -0.5754% | 5,546 |
| Return on assets (ROA) | -0.5600% | 5,544 |
| Pretax return on assets | -0.6522% | 5,569 |
| Return on Equity (ROE) | -4.8243% | 5,533 |
| Retained earnings to average equity (ytd only) | -6.6107% | 5,480 |
| Net charge-offs to loans | 2.2194% | 60 |
| Credit loss provision to net charge-offs | 109.0883% | 2,388 |
| Earnings coverage of net charge-offs (x) | 0.6239% | 3,979 |
| Efficiency ratio | 79.2552% | 1,188 |
| Assets per employee ($millions) | 4.0237% | 3,921 |
| Cash dividends to net income (ytd only)* | -37.0302% | 5,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2405% | 346 |
| Loan loss allowance to noncurrent loans | 48.8216% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 3.0374% | 260 |
| Noncurrent loans to loans | 4.5891% | 174 |
| Net loans and leases to total assets | 62.4364% | 3,565 |
| Net loans and leases to deposits | 76.6874% | 3,258 |
| Net loans and leases to core deposits | 80.3819% | 3,390 |
| Total domestic deposits to total assets | 81.4168% | 4,018 |
| Equity capital to assets | 11.9723% | 1,850 |
| Core capital (leverage) ratio | 9.8578% | 3,625 |
| Tier 1 risk-based capital ratio | 12.9971% | 3,905 |
| Total risk-based capital ratio | 14.2556% | 3,798 |
| Memoranda: | ||
| Average total assets | $1,929,021,600 | 423 |
| Average earning assets | $1,736,285,800 | 426 |
| Average equity | $223,909,200 | 403 |
| Average total loans | $1,247,348,800 | 447 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5462% | 1,517 |
| Cost of funding earning assets | 0.3025% | 4,104 |
| Net interest margin | 4.2437% | 1,063 |
| Noninterest income to average assets | 1.0185% | 993 |
| Noninterest expense to average assets | 3.6511% | 816 |
| Loan and lease loss provision to assets | 1.3460% | 68 |
| Net operating income to assets | -0.0539% | 5,536 |
| Return on assets (ROA) | -0.0387% | 5,534 |
| Pretax return on assets | -0.1299% | 5,557 |
| Return on Equity (ROE) | -0.3356% | 5,530 |
| Retained earnings to average equity (ytd only) | -2.7203% | 5,466 |
| Net charge-offs to loans | 2.0033% | 71 |
| Credit loss provision to net charge-offs | 103.5996% | 2,224 |
| Earnings coverage of net charge-offs (x) | 0.9177% | 3,616 |
| Efficiency ratio | 74.2064% | 1,862 |
| Assets per employee ($millions) | 4.1122% | 3,803 |
| Cash dividends to net income (ytd only)* | -710.4776% | 5,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0254% | 549 |
| Loan loss allowance to noncurrent loans | 48.4669% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 2.7568% | 345 |
| Noncurrent loans to loans | 4.1790% | 227 |
| Net loans and leases to total assets | 62.3053% | 3,615 |
| Net loans and leases to deposits | 74.9253% | 3,480 |
| Net loans and leases to core deposits | 78.5016% | 3,592 |
| Total domestic deposits to total assets | 83.1566% | 3,407 |
| Equity capital to assets | 11.6907% | 2,197 |
| Core capital (leverage) ratio | 9.6421% | 3,995 |
| Tier 1 risk-based capital ratio | 12.7849% | 4,148 |
| Total risk-based capital ratio | 14.0412% | 4,047 |
| Memoranda: | ||
| Average total assets | $1,941,514,250 | 420 |
| Average earning assets | $1,749,946,250 | 424 |
| Average equity | $223,645,000 | 407 |
| Average total loans | $1,259,161,000 | 444 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 1,528 |
| Cost of funding earning assets | 0.2951% | 4,131 |
| Net interest margin | 4.1976% | 1,077 |
| Noninterest income to average assets | 1.0580% | 903 |
| Noninterest expense to average assets | 3.7349% | 736 |
| Loan and lease loss provision to assets | 1.5771% | 62 |
| Net operating income to assets | -0.2564% | 5,637 |
| Return on assets (ROA) | -0.2558% | 5,638 |
| Pretax return on assets | -0.4694% | 5,662 |
| Return on Equity (ROE) | -2.2321% | 5,632 |
| Retained earnings to average equity (ytd only) | -5.8292% | 5,565 |
| Net charge-offs to loans | 2.3683% | 64 |
| Credit loss provision to net charge-offs | 102.0136% | 1,980 |
| Earnings coverage of net charge-offs (x) | 0.7159% | 3,352 |
| Efficiency ratio | 75.9644% | 1,723 |
| Assets per employee ($millions) | 3.9749% | 3,995 |
| Cash dividends to net income (ytd only)* | -161.1604% | 5,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9878% | 616 |
| Loan loss allowance to noncurrent loans | 44.8822% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.8997% | 328 |
| Noncurrent loans to loans | 4.4289% | 191 |
| Net loans and leases to total assets | 62.5905% | 3,559 |
| Net loans and leases to deposits | 76.2952% | 3,308 |
| Net loans and leases to core deposits | 77.6646% | 3,628 |
| Total domestic deposits to total assets | 82.0373% | 3,881 |
| Equity capital to assets | 11.6218% | 2,213 |
| Core capital (leverage) ratio | 9.6621% | 3,947 |
| Tier 1 risk-based capital ratio | 12.5808% | 4,254 |
| Total risk-based capital ratio | 13.8367% | 4,153 |
| Memoranda: | ||
| Average total assets | $1,940,328,670 | 419 |
| Average earning assets | $1,749,005,670 | 426 |
| Average equity | $222,396,000 | 408 |
| Average total loans | $1,266,569,330 | 442 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4700% | 1,448 |
| Cost of funding earning assets | 0.2897% | 4,144 |
| Net interest margin | 4.1803% | 1,030 |
| Noninterest income to average assets | 1.0457% | 918 |
| Noninterest expense to average assets | 3.5173% | 1,018 |
| Loan and lease loss provision to assets | 0.5777% | 168 |
| Net operating income to assets | 0.5298% | 4,468 |
| Return on assets (ROA) | 0.5307% | 4,506 |
| Pretax return on assets | 0.7205% | 4,384 |
| Return on Equity (ROE) | 4.6627% | 4,536 |
| Retained earnings to average equity (ytd only) | 1.0370% | 4,642 |
| Net charge-offs to loans | 0.8111% | 208 |
| Credit loss provision to net charge-offs | 107.9414% | 1,494 |
| Earnings coverage of net charge-offs (x) | 2.4233% | 2,592 |
| Efficiency ratio | 71.8725% | 2,597 |
| Assets per employee ($millions) | 3.7560% | 4,407 |
| Cash dividends to net income (ytd only)* | 77.7605% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9305% | 751 |
| Loan loss allowance to noncurrent loans | 42.9550% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 3.0429% | 326 |
| Noncurrent loans to loans | 4.4943% | 203 |
| Net loans and leases to total assets | 64.5459% | 3,193 |
| Net loans and leases to deposits | 78.5314% | 2,914 |
| Net loans and leases to core deposits | 80.0440% | 3,292 |
| Total domestic deposits to total assets | 82.1912% | 4,116 |
| Equity capital to assets | 11.4381% | 2,228 |
| Core capital (leverage) ratio | 9.4474% | 4,178 |
| Tier 1 risk-based capital ratio | 12.0837% | 4,662 |
| Total risk-based capital ratio | 13.3389% | 4,553 |
| Memoranda: | ||
| Average total assets | $1,938,625,000 | 424 |
| Average earning assets | $1,747,721,500 | 431 |
| Average equity | $220,645,000 | 413 |
| Average total loans | $1,279,220,000 | 440 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5410% | 1,423 |
| Cost of funding earning assets | 0.2882% | 4,188 |
| Net interest margin | 4.2528% | 1,008 |
| Noninterest income to average assets | 0.9861% | 1,181 |
| Noninterest expense to average assets | 3.4989% | 1,160 |
| Loan and lease loss provision to assets | 0.5485% | 244 |
| Net operating income to assets | 0.5444% | 4,454 |
| Return on assets (ROA) | 0.5451% | 4,551 |
| Pretax return on assets | 0.7746% | 4,255 |
| Return on Equity (ROE) | 4.7382% | 4,546 |
| Retained earnings to average equity (ytd only) | 0.6896% | 5,052 |
| Net charge-offs to loans | 0.4132% | 637 |
| Credit loss provision to net charge-offs | 202.3287% | 1,401 |
| Earnings coverage of net charge-offs (x) | 4.8767% | 3,430 |
| Efficiency ratio | 71.3885% | 2,684 |
| Assets per employee ($millions) | 3.6316% | 4,564 |
| Cash dividends to net income (ytd only)* | 85.4457% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8962% | 812 |
| Loan loss allowance to noncurrent loans | 38.7793% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 3.3467% | 269 |
| Noncurrent loans to loans | 4.8897% | 166 |
| Net loans and leases to total assets | 64.9002% | 3,232 |
| Net loans and leases to deposits | 78.9900% | 2,993 |
| Net loans and leases to core deposits | 80.5060% | 3,349 |
| Total domestic deposits to total assets | 82.1626% | 4,025 |
| Equity capital to assets | 11.3252% | 2,311 |
| Core capital (leverage) ratio | 9.3229% | 4,325 |
| Tier 1 risk-based capital ratio | 11.9982% | 4,731 |
| Total risk-based capital ratio | 13.2530% | 4,610 |
| Memoranda: | ||
| Average total assets | $1,932,385,600 | 403 |
| Average earning assets | $1,742,505,400 | 411 |
| Average equity | $222,300,600 | 400 |
| Average total loans | $1,267,825,200 | 420 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5314% | 1,448 |
| Cost of funding earning assets | 0.2873% | 4,229 |
| Net interest margin | 4.2441% | 1,040 |
| Noninterest income to average assets | 0.9883% | 1,169 |
| Noninterest expense to average assets | 3.4733% | 1,198 |
| Loan and lease loss provision to assets | 0.5527% | 211 |
| Net operating income to assets | 0.5545% | 4,478 |
| Return on assets (ROA) | 0.5554% | 4,584 |
| Pretax return on assets | 0.7910% | 4,334 |
| Return on Equity (ROE) | 4.8093% | 4,595 |
| Retained earnings to average equity (ytd only) | 1.2198% | 5,021 |
| Net charge-offs to loans | 0.3950% | 555 |
| Credit loss provision to net charge-offs | 213.7323% | 1,372 |
| Earnings coverage of net charge-offs (x) | 5.1905% | 3,163 |
| Efficiency ratio | 70.9350% | 2,754 |
| Assets per employee ($millions) | 3.6516% | 4,570 |
| Cash dividends to net income (ytd only)* | 74.6361% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8262% | 963 |
| Loan loss allowance to noncurrent loans | 37.8403% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 3.2661% | 327 |
| Noncurrent loans to loans | 4.8260% | 184 |
| Net loans and leases to total assets | 64.0297% | 3,395 |
| Net loans and leases to deposits | 78.1242% | 3,173 |
| Net loans and leases to core deposits | 79.7027% | 3,478 |
| Total domestic deposits to total assets | 81.9588% | 3,947 |
| Equity capital to assets | 11.5069% | 2,509 |
| Core capital (leverage) ratio | 9.5200% | 4,148 |
| Tier 1 risk-based capital ratio | 12.1151% | 4,716 |
| Total risk-based capital ratio | 13.3692% | 4,625 |
| Memoranda: | ||
| Average total assets | $1,929,757,750 | 404 |
| Average earning assets | $1,740,239,500 | 407 |
| Average equity | $222,866,500 | 399 |
| Average total loans | $1,263,452,500 | 421 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 1,447 |
| Cost of funding earning assets | 0.2884% | 4,260 |
| Net interest margin | 4.2375% | 1,042 |
| Noninterest income to average assets | 0.9763% | 1,183 |
| Noninterest expense to average assets | 3.4712% | 1,219 |
| Loan and lease loss provision to assets | 0.5307% | 236 |
| Net operating income to assets | 0.5560% | 4,456 |
| Return on assets (ROA) | 0.5575% | 4,566 |
| Pretax return on assets | 0.7952% | 4,298 |
| Return on Equity (ROE) | 4.8213% | 4,593 |
| Retained earnings to average equity (ytd only) | 1.2213% | 4,892 |
| Net charge-offs to loans | 0.4338% | 521 |
| Credit loss provision to net charge-offs | 186.6081% | 1,368 |
| Earnings coverage of net charge-offs (x) | 4.6546% | 2,965 |
| Efficiency ratio | 71.1911% | 2,789 |
| Assets per employee ($millions) | 3.6892% | 4,461 |
| Cash dividends to net income (ytd only)* | 74.6687% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 1,288 |
| Loan loss allowance to noncurrent loans | 35.6770% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 3.2598% | 353 |
| Noncurrent loans to loans | 4.7421% | 198 |
| Net loans and leases to total assets | 64.6296% | 3,276 |
| Net loans and leases to deposits | 78.8209% | 3,074 |
| Net loans and leases to core deposits | 80.4857% | 3,416 |
| Total domestic deposits to total assets | 81.9955% | 3,999 |
| Equity capital to assets | 11.6771% | 2,381 |
| Core capital (leverage) ratio | 9.4916% | 4,222 |
| Tier 1 risk-based capital ratio | 12.1541% | 4,727 |
| Total risk-based capital ratio | 13.4068% | 4,642 |
| Memoranda: | ||
| Average total assets | $1,921,815,330 | 406 |
| Average earning assets | $1,731,914,330 | 408 |
| Average equity | $222,222,670 | 399 |
| Average total loans | $1,259,889,330 | 425 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 1,309 |
| Cost of funding earning assets | 0.2919% | 4,262 |
| Net interest margin | 4.2885% | 947 |
| Noninterest income to average assets | 0.9275% | 1,240 |
| Noninterest expense to average assets | 3.4376% | 1,301 |
| Loan and lease loss provision to assets | 0.5828% | 195 |
| Net operating income to assets | 0.5385% | 4,472 |
| Return on assets (ROA) | 0.5385% | 4,579 |
| Pretax return on assets | 0.7666% | 4,320 |
| Return on Equity (ROE) | 4.6799% | 4,634 |
| Retained earnings to average equity (ytd only) | 1.0619% | 4,815 |
| Net charge-offs to loans | 0.4655% | 480 |
| Credit loss provision to net charge-offs | 191.2568% | 1,114 |
| Earnings coverage of net charge-offs (x) | 4.4283% | 2,438 |
| Efficiency ratio | 70.6061% | 3,025 |
| Assets per employee ($millions) | 3.6708% | 4,516 |
| Cash dividends to net income (ytd only)* | 77.3096% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 1,539 |
| Loan loss allowance to noncurrent loans | 37.6992% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 3.0206% | 413 |
| Noncurrent loans to loans | 4.3132% | 263 |
| Net loans and leases to total assets | 64.2417% | 3,210 |
| Net loans and leases to deposits | 78.2251% | 2,982 |
| Net loans and leases to core deposits | 79.9749% | 3,325 |
| Total domestic deposits to total assets | 82.1242% | 4,185 |
| Equity capital to assets | 11.6038% | 2,346 |
| Core capital (leverage) ratio | 9.3806% | 4,379 |
| Tier 1 risk-based capital ratio | 12.2375% | 4,763 |
| Total risk-based capital ratio | 13.4895% | 4,661 |
| Memoranda: | ||
| Average total assets | $1,921,694,500 | 403 |
| Average earning assets | $1,729,469,000 | 408 |
| Average equity | $221,114,000 | 396 |
| Average total loans | $1,258,036,000 | 424 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6599% | 1,198 |
| Cost of funding earning assets | 0.2842% | 4,424 |
| Net interest margin | 4.3756% | 836 |
| Noninterest income to average assets | 0.9974% | 1,185 |
| Noninterest expense to average assets | 3.4059% | 1,472 |
| Loan and lease loss provision to assets | 0.7110% | 142 |
| Net operating income to assets | 0.5751% | 4,401 |
| Return on assets (ROA) | 0.5794% | 4,473 |
| Pretax return on assets | 0.8198% | 4,125 |
| Return on Equity (ROE) | 5.1540% | 4,431 |
| Retained earnings to average equity (ytd only) | 1.0585% | 5,092 |
| Net charge-offs to loans | 0.4734% | 574 |
| Credit loss provision to net charge-offs | 227.3099% | 1,247 |
| Earnings coverage of net charge-offs (x) | 4.8746% | 3,474 |
| Efficiency ratio | 67.9285% | 3,582 |
| Assets per employee ($millions) | 3.5955% | 4,652 |
| Cash dividends to net income (ytd only)* | 79.4632% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 1,988 |
| Loan loss allowance to noncurrent loans | 37.8720% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 2.8220% | 495 |
| Noncurrent loans to loans | 3.9690% | 309 |
| Net loans and leases to total assets | 64.6389% | 3,175 |
| Net loans and leases to deposits | 79.5560% | 2,875 |
| Net loans and leases to core deposits | 81.4251% | 3,209 |
| Total domestic deposits to total assets | 81.2496% | 4,415 |
| Equity capital to assets | 11.4092% | 2,441 |
| Core capital (leverage) ratio | 9.3579% | 4,388 |
| Tier 1 risk-based capital ratio | 12.2679% | 4,777 |
| Total risk-based capital ratio | 13.5188% | 4,678 |
| Memoranda: | ||
| Average total assets | $1,954,908,400 | 387 |
| Average earning assets | $1,757,286,200 | 387 |
| Average equity | $219,752,400 | 386 |
| Average total loans | $1,291,670,000 | 390 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6878% | 1,117 |
| Cost of funding earning assets | 0.2873% | 4,477 |
| Net interest margin | 4.4005% | 794 |
| Noninterest income to average assets | 1.0071% | 1,169 |
| Noninterest expense to average assets | 3.3441% | 1,587 |
| Loan and lease loss provision to assets | 0.7408% | 106 |
| Net operating income to assets | 0.6221% | 4,274 |
| Return on assets (ROA) | 0.6278% | 4,359 |
| Pretax return on assets | 0.8856% | 4,031 |
| Return on Equity (ROE) | 5.6058% | 4,357 |
| Retained earnings to average equity (ytd only) | 1.9649% | 4,894 |
| Net charge-offs to loans | 0.3273% | 807 |
| Credit loss provision to net charge-offs | 342.0144% | 858 |
| Earnings coverage of net charge-offs (x) | 7.4719% | 2,913 |
| Efficiency ratio | 66.2512% | 3,850 |
| Assets per employee ($millions) | 3.6885% | 4,467 |
| Cash dividends to net income (ytd only)* | 64.9491% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 2,352 |
| Loan loss allowance to noncurrent loans | 36.6339% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 2.8424% | 562 |
| Noncurrent loans to loans | 3.9688% | 332 |
| Net loans and leases to total assets | 65.0501% | 3,145 |
| Net loans and leases to deposits | 82.5044% | 2,586 |
| Net loans and leases to core deposits | 86.7919% | 2,774 |
| Total domestic deposits to total assets | 78.8444% | 5,011 |
| Equity capital to assets | 11.2765% | 2,724 |
| Core capital (leverage) ratio | 9.3413% | 4,525 |
| Tier 1 risk-based capital ratio | 12.0324% | 5,064 |
| Total risk-based capital ratio | 13.2829% | 4,979 |
| Memoranda: | ||
| Average total assets | $1,961,832,750 | 390 |
| Average earning assets | $1,763,430,250 | 388 |
| Average equity | $219,720,750 | 392 |
| Average total loans | $1,298,402,750 | 391 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7155% | 1,042 |
| Cost of funding earning assets | 0.2904% | 4,501 |
| Net interest margin | 4.4251% | 726 |
| Noninterest income to average assets | 1.0129% | 1,153 |
| Noninterest expense to average assets | 3.3606% | 1,550 |
| Loan and lease loss provision to assets | 0.7252% | 117 |
| Net operating income to assets | 0.6366% | 4,188 |
| Return on assets (ROA) | 0.6452% | 4,256 |
| Pretax return on assets | 0.9141% | 3,903 |
| Return on Equity (ROE) | 5.7737% | 4,244 |
| Retained earnings to average equity (ytd only) | 2.1171% | 4,648 |
| Net charge-offs to loans | 0.3513% | 751 |
| Credit loss provision to net charge-offs | 311.6769% | 907 |
| Earnings coverage of net charge-offs (x) | 6.9934% | 2,711 |
| Efficiency ratio | 66.2428% | 3,967 |
| Assets per employee ($millions) | 3.5973% | 4,631 |
| Cash dividends to net income (ytd only)* | 63.3312% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 3,566 |
| Loan loss allowance to noncurrent loans | 65.5502% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 1.4913% | 1,655 |
| Noncurrent loans to loans | 1.8907% | 1,317 |
| Net loans and leases to total assets | 65.7101% | 3,004 |
| Net loans and leases to deposits | 81.4188% | 2,624 |
| Net loans and leases to core deposits | 85.9642% | 2,768 |
| Total domestic deposits to total assets | 80.7063% | 4,691 |
| Equity capital to assets | 11.3247% | 2,550 |
| Core capital (leverage) ratio | 9.1515% | 4,748 |
| Tier 1 risk-based capital ratio | 11.8596% | 5,240 |
| Total risk-based capital ratio | 12.9495% | 5,253 |
| Memoranda: | ||
| Average total assets | $1,957,992,330 | 391 |
| Average earning assets | $1,758,824,670 | 392 |
| Average equity | $218,786,000 | 393 |
| Average total loans | $1,297,001,330 | 393 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6886% | 1,052 |
| Cost of funding earning assets | 0.2903% | 4,548 |
| Net interest margin | 4.3982% | 732 |
| Noninterest income to average assets | 0.9809% | 1,161 |
| Noninterest expense to average assets | 3.2792% | 1,771 |
| Loan and lease loss provision to assets | 1.2221% | 59 |
| Net operating income to assets | 0.3242% | 5,323 |
| Return on assets (ROA) | 0.3420% | 5,388 |
| Pretax return on assets | 0.4526% | 5,311 |
| Return on Equity (ROE) | 3.0810% | 5,338 |
| Retained earnings to average equity (ytd only) | -4.2591% | 5,880 |
| Net charge-offs to loans | 0.3593% | 681 |
| Credit loss provision to net charge-offs | 514.5798% | 530 |
| Earnings coverage of net charge-offs (x) | 6.9528% | 2,225 |
| Efficiency ratio | 65.3654% | 4,259 |
| Assets per employee ($millions) | 3.6291% | 4,668 |
| Cash dividends to net income (ytd only)* | 238.2370% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 3,813 |
| Loan loss allowance to noncurrent loans | 124.1689% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 2,880 |
| Noncurrent loans to loans | 0.9862% | 2,796 |
| Net loans and leases to total assets | 65.0175% | 2,933 |
| Net loans and leases to deposits | 79.5402% | 2,613 |
| Net loans and leases to core deposits | 83.8936% | 2,785 |
| Total domestic deposits to total assets | 81.7417% | 4,592 |
| Equity capital to assets | 10.9231% | 3,061 |
| Core capital (leverage) ratio | 8.9502% | 5,012 |
| Tier 1 risk-based capital ratio | 11.4330% | 5,594 |
| Total risk-based capital ratio | 12.5158% | 5,594 |
| Memoranda: | ||
| Average total assets | $1,963,905,500 | 386 |
| Average earning assets | $1,763,527,500 | 392 |
| Average equity | $217,980,500 | 394 |
| Average total loans | $1,298,064,000 | 388 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9567% | 845 |
| Cost of funding earning assets | 0.2816% | 4,988 |
| Net interest margin | 4.6751% | 542 |
| Noninterest income to average assets | 1.2634% | 755 |
| Noninterest expense to average assets | 3.6281% | 1,255 |
| Loan and lease loss provision to assets | 0.2976% | 692 |
| Net operating income to assets | 1.0777% | 2,063 |
| Return on assets (ROA) | 1.0826% | 2,097 |
| Pretax return on assets | 1.5097% | 1,504 |
| Return on Equity (ROE) | 9.4886% | 2,348 |
| Retained earnings to average equity (ytd only) | 2.3010% | 4,595 |
| Net charge-offs to loans | 0.2614% | 1,653 |
| Credit loss provision to net charge-offs | 176.9981% | 1,373 |
| Earnings coverage of net charge-offs (x) | 10.7089% | 2,591 |
| Efficiency ratio | 65.7545% | 4,295 |
| Assets per employee ($millions) | 3.5254% | 4,858 |
| Cash dividends to net income (ytd only)* | 75.7502% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 5,550 |
| Loan loss allowance to noncurrent loans | 103.1043% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.7813% | 3,256 |
| Noncurrent loans to loans | 0.8475% | 3,194 |
| Net loans and leases to total assets | 65.7965% | 2,919 |
| Net loans and leases to deposits | 79.8454% | 2,737 |
| Net loans and leases to core deposits | 84.1908% | 2,883 |
| Total domestic deposits to total assets | 82.4049% | 4,277 |
| Equity capital to assets | 11.2808% | 2,618 |
| Core capital (leverage) ratio | 8.9508% | 5,062 |
| Tier 1 risk-based capital ratio | 12.1120% | 5,290 |
| Total risk-based capital ratio | 12.9356% | 5,462 |
| Memoranda: | ||
| Average total assets | $1,890,145,400 | 385 |
| Average earning assets | $1,683,990,800 | 387 |
| Average equity | $215,648,000 | 383 |
| Average total loans | $1,215,905,800 | 386 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9450% | 848 |
| Cost of funding earning assets | 0.2789% | 5,105 |
| Net interest margin | 4.6661% | 535 |
| Noninterest income to average assets | 1.3419% | 680 |
| Noninterest expense to average assets | 3.6601% | 1,194 |
| Loan and lease loss provision to assets | 0.2076% | 1,125 |
| Net operating income to assets | 1.1713% | 1,786 |
| Return on assets (ROA) | 1.1779% | 1,831 |
| Pretax return on assets | 1.6357% | 1,222 |
| Return on Equity (ROE) | 10.2942% | 2,072 |
| Retained earnings to average equity (ytd only) | 2.8517% | 4,567 |
| Net charge-offs to loans | 0.2535% | 1,524 |
| Credit loss provision to net charge-offs | 128.3458% | 1,801 |
| Earnings coverage of net charge-offs (x) | 11.3409% | 2,434 |
| Efficiency ratio | 65.5451% | 4,289 |
| Assets per employee ($millions) | 3.3720% | 5,096 |
| Cash dividends to net income (ytd only)* | 72.2979% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 5,982 |
| Loan loss allowance to noncurrent loans | 121.2531% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6586% | 3,862 |
| Noncurrent loans to loans | 0.6225% | 4,057 |
| Net loans and leases to total assets | 65.6255% | 2,933 |
| Net loans and leases to deposits | 81.0837% | 2,539 |
| Net loans and leases to core deposits | 83.3482% | 2,957 |
| Total domestic deposits to total assets | 80.9356% | 4,839 |
| Equity capital to assets | 11.5173% | 2,465 |
| Core capital (leverage) ratio | 9.0877% | 4,948 |
| Tier 1 risk-based capital ratio | 12.2992% | 5,298 |
| Total risk-based capital ratio | 13.0067% | 5,561 |
| Memoranda: | ||
| Average total assets | $1,878,820,750 | 384 |
| Average earning assets | $1,671,950,500 | 388 |
| Average equity | $214,976,750 | 380 |
| Average total loans | $1,198,712,000 | 389 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9159% | 888 |
| Cost of funding earning assets | 0.2778% | 5,217 |
| Net interest margin | 4.6381% | 544 |
| Noninterest income to average assets | 1.3835% | 632 |
| Noninterest expense to average assets | 3.6694% | 1,188 |
| Loan and lease loss provision to assets | 0.1866% | 1,308 |
| Net operating income to assets | 1.2301% | 1,505 |
| Return on assets (ROA) | 1.2402% | 1,536 |
| Pretax return on assets | 1.6653% | 1,101 |
| Return on Equity (ROE) | 10.8629% | 1,787 |
| Retained earnings to average equity (ytd only) | 2.4573% | 4,646 |
| Net charge-offs to loans | 0.2460% | 1,577 |
| Credit loss provision to net charge-offs | 120.3576% | 1,714 |
| Earnings coverage of net charge-offs (x) | 11.8569% | 2,107 |
| Efficiency ratio | 65.5528% | 4,433 |
| Assets per employee ($millions) | 3.3984% | 5,060 |
| Cash dividends to net income (ytd only)* | 77.3794% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7411% | 6,108 |
| Loan loss allowance to noncurrent loans | 127.5295% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.7095% | 3,852 |
| Noncurrent loans to loans | 0.5812% | 4,280 |
| Net loans and leases to total assets | 64.2073% | 3,045 |
| Net loans and leases to deposits | 78.9745% | 2,661 |
| Net loans and leases to core deposits | 81.3401% | 3,058 |
| Total domestic deposits to total assets | 81.3013% | 4,875 |
| Equity capital to assets | 11.3987% | 2,511 |
| Core capital (leverage) ratio | 8.9863% | 5,039 |
| Tier 1 risk-based capital ratio | 12.3134% | 5,353 |
| Total risk-based capital ratio | 13.0046% | 5,604 |
| Memoranda: | ||
| Average total assets | $1,875,657,000 | 384 |
| Average earning assets | $1,667,854,670 | 388 |
| Average equity | $214,141,330 | 377 |
| Average total loans | $1,182,069,330 | 386 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9086% | 859 |
| Cost of funding earning assets | 0.2777% | 5,309 |
| Net interest margin | 4.6309% | 529 |
| Noninterest income to average assets | 1.6805% | 443 |
| Noninterest expense to average assets | 3.7441% | 1,064 |
| Loan and lease loss provision to assets | 0.1178% | 2,008 |
| Net operating income to assets | 1.5398% | 748 |
| Return on assets (ROA) | 1.5398% | 781 |
| Pretax return on assets | 1.9417% | 599 |
| Return on Equity (ROE) | 13.4760% | 1,043 |
| Retained earnings to average equity (ytd only) | 7.8508% | 1,658 |
| Net charge-offs to loans | 0.1943% | 1,565 |
| Credit loss provision to net charge-offs | 97.5177% | 1,720 |
| Earnings coverage of net charge-offs (x) | 17.0443% | 1,477 |
| Efficiency ratio | 63.4907% | 4,938 |
| Assets per employee ($millions) | 3.2453% | 5,457 |
| Cash dividends to net income (ytd only)* | 41.7420% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7402% | 6,207 |
| Loan loss allowance to noncurrent loans | 139.6590% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.6789% | 4,078 |
| Noncurrent loans to loans | 0.5300% | 4,583 |
| Net loans and leases to total assets | 62.3389% | 3,183 |
| Net loans and leases to deposits | 75.4928% | 2,871 |
| Net loans and leases to core deposits | 77.8205% | 3,221 |
| Total domestic deposits to total assets | 82.5759% | 4,762 |
| Equity capital to assets | 11.4699% | 2,279 |
| Core capital (leverage) ratio | 9.1852% | 4,738 |
| Tier 1 risk-based capital ratio | 12.7678% | 5,148 |
| Total risk-based capital ratio | 13.4573% | 5,436 |
| Memoranda: | ||
| Average total assets | $1,867,028,000 | 385 |
| Average earning assets | $1,662,294,000 | 388 |
| Average equity | $213,328,000 | 375 |
| Average total loans | $1,160,871,500 | 394 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0331% | 865 |
| Cost of funding earning assets | 0.3107% | 5,514 |
| Net interest margin | 4.7224% | 493 |
| Noninterest income to average assets | 0.9789% | 1,444 |
| Noninterest expense to average assets | 3.8187% | 1,106 |
| Loan and lease loss provision to assets | 0.1643% | 2,224 |
| Net operating income to assets | 0.8319% | 3,125 |
| Return on assets (ROA) | 0.8406% | 3,165 |
| Pretax return on assets | 1.2127% | 2,529 |
| Return on Equity (ROE) | 7.3612% | 3,379 |
| Retained earnings to average equity (ytd only) | 2.1736% | 4,702 |
| Net charge-offs to loans | 0.1495% | 3,307 |
| Credit loss provision to net charge-offs | 185.9756% | 1,226 |
| Earnings coverage of net charge-offs (x) | 15.4482% | 1,867 |
| Efficiency ratio | 72.5268% | 3,381 |
| Assets per employee ($millions) | 3.0605% | 5,741 |
| Cash dividends to net income (ytd only)* | 70.4722% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7717% | 6,228 |
| Loan loss allowance to noncurrent loans | 166.3635% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.6472% | 4,293 |
| Noncurrent loans to loans | 0.4639% | 4,840 |
| Net loans and leases to total assets | 61.0638% | 3,523 |
| Net loans and leases to deposits | 73.9258% | 3,267 |
| Net loans and leases to core deposits | 76.2891% | 3,576 |
| Total domestic deposits to total assets | 82.6015% | 4,680 |
| Equity capital to assets | 11.3814% | 2,252 |
| Core capital (leverage) ratio | 8.9127% | 5,129 |
| Tier 1 risk-based capital ratio | 12.8429% | 5,089 |
| Total risk-based capital ratio | 13.5578% | 5,352 |
| Memoranda: | ||
| Average total assets | $1,856,857,000 | 375 |
| Average earning assets | $1,653,108,200 | 379 |
| Average equity | $212,044,400 | 368 |
| Average total loans | $1,097,189,600 | 398 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0070% | 930 |
| Cost of funding earning assets | 0.3145% | 5,603 |
| Net interest margin | 4.6925% | 523 |
| Noninterest income to average assets | 0.9564% | 1,589 |
| Noninterest expense to average assets | 3.7829% | 1,104 |
| Loan and lease loss provision to assets | 0.1614% | 2,237 |
| Net operating income to assets | 0.8278% | 3,211 |
| Return on assets (ROA) | 0.8391% | 3,278 |
| Pretax return on assets | 1.2088% | 2,658 |
| Return on Equity (ROE) | 7.3418% | 3,465 |
| Retained earnings to average equity (ytd only) | 2.3213% | 4,939 |
| Net charge-offs to loans | 0.1168% | 3,382 |
| Credit loss provision to net charge-offs | 236.3445% | 1,030 |
| Earnings coverage of net charge-offs (x) | 19.8267% | 1,617 |
| Efficiency ratio | 72.4860% | 3,319 |
| Assets per employee ($millions) | 3.0550% | 5,758 |
| Cash dividends to net income (ytd only)* | 68.3819% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7569% | 6,357 |
| Loan loss allowance to noncurrent loans | 133.2565% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.7082% | 4,333 |
| Noncurrent loans to loans | 0.5680% | 4,787 |
| Net loans and leases to total assets | 61.0790% | 3,513 |
| Net loans and leases to deposits | 75.0993% | 3,077 |
| Net loans and leases to core deposits | 77.8572% | 3,381 |
| Total domestic deposits to total assets | 81.3310% | 5,123 |
| Equity capital to assets | 11.3389% | 2,442 |
| Core capital (leverage) ratio | 8.8245% | 5,375 |
| Tier 1 risk-based capital ratio | 12.6351% | 5,372 |
| Total risk-based capital ratio | 13.3368% | 5,662 |
| Memoranda: | ||
| Average total assets | $1,858,942,000 | 378 |
| Average earning assets | $1,656,017,500 | 380 |
| Average equity | $212,458,750 | 366 |
| Average total loans | $1,087,098,500 | 401 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0080% | 898 |
| Cost of funding earning assets | 0.3162% | 5,704 |
| Net interest margin | 4.6919% | 513 |
| Noninterest income to average assets | 0.9153% | 1,765 |
| Noninterest expense to average assets | 3.7187% | 1,222 |
| Loan and lease loss provision to assets | 0.1937% | 1,960 |
| Net operating income to assets | 0.8271% | 3,161 |
| Return on assets (ROA) | 0.8424% | 3,237 |
| Pretax return on assets | 1.2075% | 2,643 |
| Return on Equity (ROE) | 7.3516% | 3,416 |
| Retained earnings to average equity (ytd only) | 2.6559% | 4,616 |
| Net charge-offs to loans | 0.1195% | 3,172 |
| Credit loss provision to net charge-offs | 282.1317% | 910 |
| Earnings coverage of net charge-offs (x) | 20.0878% | 1,480 |
| Efficiency ratio | 71.7781% | 3,510 |
| Assets per employee ($millions) | 3.1075% | 5,663 |
| Cash dividends to net income (ytd only)* | 63.8733% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7627% | 6,415 |
| Loan loss allowance to noncurrent loans | 123.8351% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.7408% | 4,360 |
| Noncurrent loans to loans | 0.6159% | 4,715 |
| Net loans and leases to total assets | 59.6346% | 3,727 |
| Net loans and leases to deposits | 71.9848% | 3,448 |
| Net loans and leases to core deposits | 74.7470% | 3,695 |
| Total domestic deposits to total assets | 82.8433% | 4,765 |
| Equity capital to assets | 11.2893% | 2,479 |
| Core capital (leverage) ratio | 8.8797% | 5,178 |
| Tier 1 risk-based capital ratio | 12.8392% | 5,266 |
| Total risk-based capital ratio | 13.5467% | 5,573 |
| Memoranda: | ||
| Average total assets | $1,858,432,670 | 373 |
| Average earning assets | $1,656,744,000 | 376 |
| Average equity | $212,959,670 | 362 |
| Average total loans | $1,067,790,330 | 406 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8610% | 1,178 |
| Cost of funding earning assets | 0.3260% | 5,752 |
| Net interest margin | 4.5350% | 636 |
| Noninterest income to average assets | 0.8864% | 1,804 |
| Noninterest expense to average assets | 3.6800% | 1,280 |
| Loan and lease loss provision to assets | 0.1185% | 2,750 |
| Net operating income to assets | 0.7923% | 3,209 |
| Return on assets (ROA) | 0.8231% | 3,177 |
| Pretax return on assets | 1.1770% | 2,659 |
| Return on Equity (ROE) | 7.1297% | 3,420 |
| Retained earnings to average equity (ytd only) | 3.3979% | 4,217 |
| Net charge-offs to loans | 0.1773% | 2,330 |
| Credit loss provision to net charge-offs | 119.0476% | 1,610 |
| Earnings coverage of net charge-offs (x) | 12.5758% | 1,585 |
| Efficiency ratio | 73.4122% | 3,367 |
| Assets per employee ($millions) | 3.0974% | 5,831 |
| Cash dividends to net income (ytd only)* | 52.3423% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7185% | 6,565 |
| Loan loss allowance to noncurrent loans | 96.9827% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.8174% | 4,331 |
| Noncurrent loans to loans | 0.7409% | 4,650 |
| Net loans and leases to total assets | 55.2607% | 4,208 |
| Net loans and leases to deposits | 65.8128% | 4,080 |
| Net loans and leases to core deposits | 68.4393% | 4,249 |
| Total domestic deposits to total assets | 83.9665% | 4,488 |
| Equity capital to assets | 11.5232% | 2,389 |
| Core capital (leverage) ratio | 8.7792% | 5,219 |
| Tier 1 risk-based capital ratio | 13.4443% | 4,914 |
| Total risk-based capital ratio | 14.0995% | 5,287 |
| Memoranda: | ||
| Average total assets | $1,856,946,500 | 380 |
| Average earning assets | $1,656,364,000 | 384 |
| Average equity | $214,369,500 | 368 |
| Average total loans | $1,042,399,500 | 413 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 3,328 |
| Cost of funding earning assets | 0.3648% | 6,134 |
| Net interest margin | 4.1520% | 1,810 |
| Noninterest income to average assets | 0.9218% | 1,796 |
| Noninterest expense to average assets | 3.4626% | 1,920 |
| Loan and lease loss provision to assets | 0.1370% | 3,910 |
| Net operating income to assets | 0.7575% | 3,476 |
| Return on assets (ROA) | 0.7672% | 3,680 |
| Pretax return on assets | 1.0851% | 3,214 |
| Return on Equity (ROE) | 6.8897% | 3,705 |
| Retained earnings to average equity (ytd only) | 6.8897% | 1,621 |
| Net charge-offs to loans | 0.2386% | 3,506 |
| Credit loss provision to net charge-offs | 104.7522% | 2,851 |
| Earnings coverage of net charge-offs (x) | 9.2386% | 2,284 |
| Efficiency ratio | 73.0386% | 3,235 |
| Assets per employee ($millions) | 3.0617% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7039% | 6,632 |
| Loan loss allowance to noncurrent loans | 67.7734% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0225% | 3,993 |
| Noncurrent loans to loans | 1.0386% | 4,135 |
| Net loans and leases to total assets | 56.2151% | 4,251 |
| Net loans and leases to deposits | 66.7632% | 4,170 |
| Net loans and leases to core deposits | 70.2997% | 4,267 |
| Total domestic deposits to total assets | 84.2007% | 4,224 |
| Equity capital to assets | 11.5653% | 2,382 |
| Core capital (leverage) ratio | 11.5766% | 1,824 |
| Tier 1 risk-based capital ratio | 13.2001% | 4,966 |
| Total risk-based capital ratio | 13.8446% | 5,349 |
| Memoranda: | ||
| Average total assets | $1,496,144,600 | 451 |
| Average earning assets | $1,351,004,200 | 452 |
| Average equity | $166,595,400 | 449 |
| Average total loans | $820,260,000 | 500 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8003% | 2,390 |
| Cost of funding earning assets | 0.3979% | 6,133 |
| Net interest margin | 4.4023% | 1,195 |
| Noninterest income to average assets | 0.9665% | 1,609 |
| Noninterest expense to average assets | 3.6394% | 1,481 |
| Loan and lease loss provision to assets | 0.1468% | 3,704 |
| Net operating income to assets | 0.8378% | 3,272 |
| Return on assets (ROA) | 0.8515% | 3,464 |
| Pretax return on assets | 1.1937% | 3,007 |
| Return on Equity (ROE) | 7.7452% | 3,398 |
| Retained earnings to average equity (ytd only) | 7.7452% | 1,732 |
| Net charge-offs to loans | 0.2535% | 3,200 |
| Credit loss provision to net charge-offs | 106.7493% | 2,752 |
| Earnings coverage of net charge-offs (x) | 9.6081% | 2,299 |
| Efficiency ratio | 72.2585% | 3,276 |
| Assets per employee ($millions) | 3.1117% | 5,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9117% | 6,351 |
| Loan loss allowance to noncurrent loans | 83.4257% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.0815% | 4,131 |
| Noncurrent loans to loans | 1.0928% | 4,250 |
| Net loans and leases to total assets | 56.1146% | 4,433 |
| Net loans and leases to deposits | 66.7563% | 4,368 |
| Net loans and leases to core deposits | 69.4232% | 4,571 |
| Total domestic deposits to total assets | 84.0589% | 4,185 |
| Equity capital to assets | 11.3155% | 2,920 |
| Core capital (leverage) ratio | 8.9294% | 5,156 |
| Tier 1 risk-based capital ratio | 13.3805% | 4,965 |
| Total risk-based capital ratio | 14.2161% | 5,243 |
| Memoranda: | ||
| Average total assets | $1,407,862,250 | 479 |
| Average earning assets | $1,277,288,000 | 475 |
| Average equity | $154,775,500 | 477 |
| Average total loans | $763,590,000 | 530 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 2,418 |
| Cost of funding earning assets | 0.4583% | 5,916 |
| Net interest margin | 4.3641% | 1,297 |
| Noninterest income to average assets | 0.9471% | 1,622 |
| Noninterest expense to average assets | 3.6088% | 1,564 |
| Loan and lease loss provision to assets | 0.1784% | 3,312 |
| Net operating income to assets | 0.8051% | 3,374 |
| Return on assets (ROA) | 0.8189% | 3,565 |
| Pretax return on assets | 1.1361% | 3,161 |
| Return on Equity (ROE) | 7.5241% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.5241% | 1,854 |
| Net charge-offs to loans | 0.3484% | 2,623 |
| Credit loss provision to net charge-offs | 95.8589% | 2,881 |
| Earnings coverage of net charge-offs (x) | 6.9586% | 2,554 |
| Efficiency ratio | 72.4290% | 3,356 |
| Assets per employee ($millions) | 3.1049% | 5,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 6,289 |
| Loan loss allowance to noncurrent loans | 97.1744% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.0329% | 4,317 |
| Noncurrent loans to loans | 0.9890% | 4,527 |
| Net loans and leases to total assets | 53.3849% | 4,900 |
| Net loans and leases to deposits | 63.1270% | 4,864 |
| Net loans and leases to core deposits | 65.9849% | 5,006 |
| Total domestic deposits to total assets | 84.5675% | 4,069 |
| Equity capital to assets | 11.1856% | 2,909 |
| Core capital (leverage) ratio | 8.6058% | 5,510 |
| Tier 1 risk-based capital ratio | 13.5907% | 4,750 |
| Total risk-based capital ratio | 14.4600% | 5,006 |
| Memoranda: | ||
| Average total assets | $1,401,064,670 | 478 |
| Average earning assets | $1,270,351,670 | 479 |
| Average equity | $152,496,000 | 478 |
| Average total loans | $748,509,000 | 547 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8174% | 2,566 |
| Cost of funding earning assets | 0.4647% | 6,054 |
| Net interest margin | 4.3527% | 1,331 |
| Noninterest income to average assets | 0.9680% | 1,515 |
| Noninterest expense to average assets | 3.5183% | 1,721 |
| Loan and lease loss provision to assets | 0.1922% | 3,026 |
| Net operating income to assets | 0.8663% | 3,068 |
| Return on assets (ROA) | 0.8663% | 3,298 |
| Pretax return on assets | 1.2027% | 2,903 |
| Return on Equity (ROE) | 8.0703% | 3,252 |
| Retained earnings to average equity (ytd only) | 8.0703% | 1,960 |
| Net charge-offs to loans | 0.4674% | 1,916 |
| Credit loss provision to net charge-offs | 77.3196% | 2,778 |
| Earnings coverage of net charge-offs (x) | 5.6105% | 2,327 |
| Efficiency ratio | 70.4556% | 3,727 |
| Assets per employee ($millions) | 3.1968% | 5,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 6,428 |
| Loan loss allowance to noncurrent loans | 87.6750% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.0752% | 4,338 |
| Noncurrent loans to loans | 1.0796% | 4,535 |
| Net loans and leases to total assets | 52.4200% | 4,960 |
| Net loans and leases to deposits | 61.5354% | 4,981 |
| Net loans and leases to core deposits | 64.3214% | 5,074 |
| Total domestic deposits to total assets | 85.1867% | 3,942 |
| Equity capital to assets | 10.7693% | 3,187 |
| Core capital (leverage) ratio | 8.3569% | 5,799 |
| Tier 1 risk-based capital ratio | 13.3492% | 4,936 |
| Total risk-based capital ratio | 14.2080% | 5,217 |
| Memoranda: | ||
| Average total assets | $1,404,553,000 | 477 |
| Average earning assets | $1,273,047,500 | 478 |
| Average equity | $150,775,500 | 479 |
| Average total loans | $747,036,000 | 544 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9173% | 3,279 |
| Cost of funding earning assets | 0.5506% | 6,334 |
| Net interest margin | 4.3666% | 1,490 |
| Noninterest income to average assets | 1.0796% | 1,144 |
| Noninterest expense to average assets | 4.1872% | 822 |
| Loan and lease loss provision to assets | 0.3447% | 2,938 |
| Net operating income to assets | 0.4471% | 4,663 |
| Return on assets (ROA) | 0.4545% | 4,828 |
| Pretax return on assets | 0.5345% | 4,887 |
| Return on Equity (ROE) | 3.9572% | 4,867 |
| Retained earnings to average equity (ytd only) | 3.9572% | 3,376 |
| Net charge-offs to loans | 0.8636% | 2,007 |
| Credit loss provision to net charge-offs | 71.8601% | 4,780 |
| Earnings coverage of net charge-offs (x) | 1.8147% | 4,427 |
| Efficiency ratio | 82.3904% | 1,966 |
| Assets per employee ($millions) | 3.1444% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 6,324 |
| Loan loss allowance to noncurrent loans | 112.6316% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.9905% | 4,626 |
| Noncurrent loans to loans | 0.8656% | 4,958 |
| Net loans and leases to total assets | 52.9346% | 5,174 |
| Net loans and leases to deposits | 61.9547% | 5,252 |
| Net loans and leases to core deposits | 65.0135% | 5,362 |
| Total domestic deposits to total assets | 85.4408% | 3,624 |
| Equity capital to assets | 10.6998% | 3,305 |
| Core capital (leverage) ratio | 8.9140% | 4,907 |
| Tier 1 risk-based capital ratio | 12.8721% | 5,178 |
| Total risk-based capital ratio | 13.7488% | 5,434 |
| Memoranda: | ||
| Average total assets | $1,138,602,200 | 574 |
| Average earning assets | $1,037,325,000 | 562 |
| Average equity | $130,773,200 | 532 |
| Average total loans | $632,490,800 | 649 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9549% | 3,306 |
| Cost of funding earning assets | 0.5789% | 6,382 |
| Net interest margin | 4.3760% | 1,474 |
| Noninterest income to average assets | 1.1149% | 1,071 |
| Noninterest expense to average assets | 4.1998% | 794 |
| Loan and lease loss provision to assets | 0.3910% | 2,512 |
| Net operating income to assets | 0.4518% | 4,767 |
| Return on assets (ROA) | 0.4625% | 4,902 |
| Pretax return on assets | 0.5313% | 5,036 |
| Return on Equity (ROE) | 3.9390% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.9390% | 3,920 |
| Net charge-offs to loans | 1.0229% | 1,568 |
| Credit loss provision to net charge-offs | 67.9758% | 4,545 |
| Earnings coverage of net charge-offs (x) | 1.5822% | 4,454 |
| Efficiency ratio | 81.9330% | 1,987 |
| Assets per employee ($millions) | 3.0155% | 6,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 5,936 |
| Loan loss allowance to noncurrent loans | 91.3157% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.2531% | 4,292 |
| Noncurrent loans to loans | 1.1918% | 4,554 |
| Net loans and leases to total assets | 54.5430% | 5,083 |
| Net loans and leases to deposits | 65.4727% | 4,977 |
| Net loans and leases to core deposits | 68.3116% | 5,147 |
| Total domestic deposits to total assets | 83.3066% | 4,559 |
| Equity capital to assets | 11.4385% | 2,741 |
| Core capital (leverage) ratio | 9.9869% | 3,463 |
| Tier 1 risk-based capital ratio | 14.3724% | 4,072 |
| Total risk-based capital ratio | 15.3377% | 4,261 |
| Memoranda: | ||
| Average total assets | $1,074,223,500 | 617 |
| Average earning assets | $980,661,250 | 609 |
| Average equity | $126,121,000 | 556 |
| Average total loans | $604,037,250 | 699 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9776% | 3,268 |
| Cost of funding earning assets | 0.6014% | 6,458 |
| Net interest margin | 4.3762% | 1,445 |
| Noninterest income to average assets | 1.1539% | 965 |
| Noninterest expense to average assets | 4.1435% | 879 |
| Loan and lease loss provision to assets | 0.4877% | 2,019 |
| Net operating income to assets | 0.4598% | 4,676 |
| Return on assets (ROA) | 0.4768% | 4,748 |
| Pretax return on assets | 0.5421% | 4,929 |
| Return on Equity (ROE) | 4.0199% | 4,936 |
| Retained earnings to average equity (ytd only) | 4.0199% | 3,641 |
| Net charge-offs to loans | 1.3772% | 1,101 |
| Credit loss provision to net charge-offs | 62.5000% | 4,285 |
| Earnings coverage of net charge-offs (x) | 1.2950% | 4,318 |
| Efficiency ratio | 80.2385% | 2,357 |
| Assets per employee ($millions) | 2.7090% | 6,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 5,340 |
| Loan loss allowance to noncurrent loans | 69.4822% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.5454% | 3,877 |
| Noncurrent loans to loans | 1.7916% | 3,767 |
| Net loans and leases to total assets | 55.3380% | 5,097 |
| Net loans and leases to deposits | 67.7720% | 4,745 |
| Net loans and leases to core deposits | 69.5761% | 5,116 |
| Total domestic deposits to total assets | 81.6532% | 5,293 |
| Equity capital to assets | 11.8605% | 2,202 |
| Core capital (leverage) ratio | 10.6850% | 2,535 |
| Tier 1 risk-based capital ratio | 16.1217% | 2,919 |
| Total risk-based capital ratio | 17.2294% | 2,951 |
| Memoranda: | ||
| Average total assets | $1,025,209,670 | 659 |
| Average earning assets | $937,118,330 | 645 |
| Average equity | $121,596,330 | 577 |
| Average total loans | $580,901,670 | 743 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9099% | 3,541 |
| Cost of funding earning assets | 0.6183% | 6,530 |
| Net interest margin | 4.2916% | 1,584 |
| Noninterest income to average assets | 1.1393% | 1,006 |
| Noninterest expense to average assets | 4.0899% | 930 |
| Loan and lease loss provision to assets | 0.6314% | 1,369 |
| Net operating income to assets | 0.3469% | 5,187 |
| Return on assets (ROA) | 0.3631% | 5,196 |
| Pretax return on assets | 0.3619% | 5,467 |
| Return on Equity (ROE) | 3.0610% | 5,333 |
| Retained earnings to average equity (ytd only) | 3.0610% | 4,329 |
| Net charge-offs to loans | 2.5352% | 446 |
| Credit loss provision to net charge-offs | 43.7039% | 3,880 |
| Earnings coverage of net charge-offs (x) | 0.6763% | 4,118 |
| Efficiency ratio | 80.5607% | 2,431 |
| Assets per employee ($millions) | 2.7651% | 6,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 5,742 |
| Loan loss allowance to noncurrent loans | 42.5350% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 1.6594% | 3,763 |
| Noncurrent loans to loans | 2.7639% | 2,738 |
| Net loans and leases to total assets | 55.3283% | 5,103 |
| Net loans and leases to deposits | 66.4451% | 4,901 |
| Net loans and leases to core deposits | 67.7527% | 5,324 |
| Total domestic deposits to total assets | 83.2692% | 4,805 |
| Equity capital to assets | 11.7696% | 2,062 |
| Core capital (leverage) ratio | 10.7863% | 2,364 |
| Tier 1 risk-based capital ratio | 16.3922% | 2,710 |
| Total risk-based capital ratio | 17.4514% | 2,773 |
| Memoranda: | ||
| Average total assets | $1,013,630,500 | 664 |
| Average earning assets | $927,682,000 | 654 |
| Average equity | $120,223,500 | 579 |
| Average total loans | $577,623,000 | 757 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3945% | 2,696 |
| Cost of funding earning assets | 0.8317% | 6,435 |
| Net interest margin | 4.5629% | 1,098 |
| Noninterest income to average assets | 1.4449% | 687 |
| Noninterest expense to average assets | 4.3113% | 801 |
| Loan and lease loss provision to assets | 0.5114% | 3,106 |
| Net operating income to assets | 0.6421% | 3,473 |
| Return on assets (ROA) | 0.6421% | 3,626 |
| Pretax return on assets | 0.7685% | 3,732 |
| Return on Equity (ROE) | 5.3985% | 3,898 |
| Retained earnings to average equity (ytd only) | 5.3985% | 2,175 |
| Net charge-offs to loans | 0.7177% | 2,864 |
| Credit loss provision to net charge-offs | 119.4669% | 3,545 |
| Earnings coverage of net charge-offs (x) | 2.9900% | 3,577 |
| Efficiency ratio | 76.9330% | 2,885 |
| Assets per employee ($millions) | 2.5744% | 6,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 3,915 |
| Loan loss allowance to noncurrent loans | 44.8065% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 2.0467% | 3,288 |
| Noncurrent loans to loans | 3.3859% | 2,245 |
| Net loans and leases to total assets | 57.1289% | 5,161 |
| Net loans and leases to deposits | 68.6856% | 5,009 |
| Net loans and leases to core deposits | 70.4501% | 5,407 |
| Total domestic deposits to total assets | 83.1746% | 4,718 |
| Equity capital to assets | 11.9540% | 1,946 |
| Core capital (leverage) ratio | 10.7753% | 2,325 |
| Tier 1 risk-based capital ratio | 16.2379% | 2,642 |
| Total risk-based capital ratio | 17.4894% | 2,597 |
| Memoranda: | ||
| Average total assets | $981,703,800 | 670 |
| Average earning assets | $892,050,400 | 678 |
| Average equity | $116,772,800 | 579 |
| Average total loans | $585,457,000 | 763 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4118% | 2,826 |
| Cost of funding earning assets | 0.8707% | 6,502 |
| Net interest margin | 4.5411% | 1,170 |
| Noninterest income to average assets | 1.5004% | 607 |
| Noninterest expense to average assets | 4.3707% | 684 |
| Loan and lease loss provision to assets | 0.5665% | 2,673 |
| Net operating income to assets | 0.5865% | 3,930 |
| Return on assets (ROA) | 0.5865% | 4,099 |
| Pretax return on assets | 0.6851% | 4,282 |
| Return on Equity (ROE) | 4.9373% | 4,319 |
| Retained earnings to average equity (ytd only) | 4.9373% | 3,033 |
| Net charge-offs to loans | 0.8408% | 2,350 |
| Credit loss provision to net charge-offs | 112.1925% | 3,767 |
| Earnings coverage of net charge-offs (x) | 2.4788% | 3,926 |
| Efficiency ratio | 77.5523% | 2,686 |
| Assets per employee ($millions) | 2.5561% | 7,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 4,398 |
| Loan loss allowance to noncurrent loans | 34.9109% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 2.5373% | 2,828 |
| Noncurrent loans to loans | 4.0426% | 1,846 |
| Net loans and leases to total assets | 59.4892% | 5,006 |
| Net loans and leases to deposits | 72.6657% | 4,743 |
| Net loans and leases to core deposits | 74.2027% | 5,267 |
| Total domestic deposits to total assets | 81.8670% | 5,049 |
| Equity capital to assets | 12.0724% | 2,114 |
| Core capital (leverage) ratio | 10.7647% | 2,452 |
| Tier 1 risk-based capital ratio | 15.5467% | 2,971 |
| Total risk-based capital ratio | 16.7972% | 2,938 |
| Memoranda: | ||
| Average total assets | $976,773,750 | 674 |
| Average earning assets | $886,609,750 | 677 |
| Average equity | $116,038,500 | 576 |
| Average total loans | $586,592,250 | 772 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4179% | 2,899 |
| Cost of funding earning assets | 0.9010% | 6,574 |
| Net interest margin | 4.5169% | 1,170 |
| Noninterest income to average assets | 1.5193% | 559 |
| Noninterest expense to average assets | 4.3691% | 670 |
| Loan and lease loss provision to assets | 0.5454% | 2,597 |
| Net operating income to assets | 0.6020% | 3,872 |
| Return on assets (ROA) | 0.6020% | 4,008 |
| Pretax return on assets | 0.7000% | 4,241 |
| Return on Equity (ROE) | 5.0955% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.0955% | 2,851 |
| Net charge-offs to loans | 0.7463% | 2,372 |
| Credit loss provision to net charge-offs | 121.8951% | 3,320 |
| Earnings coverage of net charge-offs (x) | 2.7833% | 3,596 |
| Efficiency ratio | 77.6320% | 2,786 |
| Assets per employee ($millions) | 2.4953% | 7,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 4,203 |
| Loan loss allowance to noncurrent loans | 39.8992% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 2.2461% | 3,202 |
| Noncurrent loans to loans | 3.6217% | 2,175 |
| Net loans and leases to total assets | 59.5198% | 5,152 |
| Net loans and leases to deposits | 71.8718% | 5,014 |
| Net loans and leases to core deposits | 73.3174% | 5,519 |
| Total domestic deposits to total assets | 82.8138% | 4,647 |
| Equity capital to assets | 12.0246% | 2,081 |
| Core capital (leverage) ratio | 10.7904% | 2,404 |
| Tier 1 risk-based capital ratio | 15.4193% | 2,942 |
| Total risk-based capital ratio | 16.6699% | 2,899 |
| Memoranda: | ||
| Average total assets | $971,773,330 | 680 |
| Average earning assets | $881,038,670 | 679 |
| Average equity | $114,807,670 | 579 |
| Average total loans | $582,641,330 | 780 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4165% | 2,962 |
| Cost of funding earning assets | 0.9319% | 6,651 |
| Net interest margin | 4.4846% | 1,177 |
| Noninterest income to average assets | 1.4534% | 565 |
| Noninterest expense to average assets | 4.3097% | 715 |
| Loan and lease loss provision to assets | 0.4731% | 2,609 |
| Net operating income to assets | 0.6265% | 3,772 |
| Return on assets (ROA) | 0.6265% | 3,900 |
| Pretax return on assets | 0.7372% | 4,102 |
| Return on Equity (ROE) | 5.3509% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.3509% | 2,961 |
| Net charge-offs to loans | 0.8457% | 1,844 |
| Credit loss provision to net charge-offs | 93.6482% | 3,576 |
| Earnings coverage of net charge-offs (x) | 2.3958% | 3,342 |
| Efficiency ratio | 77.8805% | 2,920 |
| Assets per employee ($millions) | 2.4518% | 7,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 4,557 |
| Loan loss allowance to noncurrent loans | 37.9348% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 2.1931% | 3,285 |
| Noncurrent loans to loans | 3.6205% | 2,197 |
| Net loans and leases to total assets | 58.4081% | 5,367 |
| Net loans and leases to deposits | 70.6256% | 5,249 |
| Net loans and leases to core deposits | 72.1797% | 5,693 |
| Total domestic deposits to total assets | 82.7009% | 4,756 |
| Equity capital to assets | 11.7819% | 2,180 |
| Core capital (leverage) ratio | 10.6214% | 2,521 |
| Tier 1 risk-based capital ratio | 15.3775% | 2,931 |
| Total risk-based capital ratio | 16.6048% | 2,894 |
| Memoranda: | ||
| Average total assets | $972,314,500 | 697 |
| Average earning assets | $881,682,000 | 696 |
| Average equity | $113,850,500 | 589 |
| Average total loans | $580,850,000 | 800 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9014% | 2,228 |
| Cost of funding earning assets | 1.1045% | 6,962 |
| Net interest margin | 4.7969% | 698 |
| Noninterest income to average assets | 1.5777% | 576 |
| Noninterest expense to average assets | 4.6515% | 682 |
| Loan and lease loss provision to assets | 0.5798% | 3,485 |
| Net operating income to assets | 0.6020% | 3,320 |
| Return on assets (ROA) | 0.6020% | 3,395 |
| Pretax return on assets | 0.6733% | 3,671 |
| Return on Equity (ROE) | 5.4862% | 3,432 |
| Retained earnings to average equity (ytd only) | 3.7897% | 2,548 |
| Net charge-offs to loans | 0.8467% | 2,709 |
| Credit loss provision to net charge-offs | 108.1135% | 5,124 |
| Earnings coverage of net charge-offs (x) | 2.3366% | 3,977 |
| Efficiency ratio | 78.5587% | 3,111 |
| Assets per employee ($millions) | 2.3348% | 7,436 |
| Cash dividends to net income (ytd only)* | 30.9242% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 4,407 |
| Loan loss allowance to noncurrent loans | 48.2761% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 1.7866% | 3,691 |
| Noncurrent loans to loans | 2.8297% | 2,725 |
| Net loans and leases to total assets | 59.4343% | 5,428 |
| Net loans and leases to deposits | 71.7502% | 5,363 |
| Net loans and leases to core deposits | 78.3843% | 6,235 |
| Total domestic deposits to total assets | 82.8351% | 4,593 |
| Equity capital to assets | 11.6364% | 2,221 |
| Core capital (leverage) ratio | 10.6252% | 2,486 |
| Tier 1 risk-based capital ratio | 14.7291% | 3,088 |
| Total risk-based capital ratio | 15.9367% | 3,068 |
| Memoranda: | ||
| Average total assets | $940,042,000 | 715 |
| Average earning assets | $847,914,200 | 715 |
| Average equity | $103,149,200 | 634 |
| Average total loans | $595,390,800 | 795 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9962% | 2,055 |
| Cost of funding earning assets | 1.1325% | 7,091 |
| Net interest margin | 4.8637% | 603 |
| Noninterest income to average assets | 1.5920% | 583 |
| Noninterest expense to average assets | 4.7307% | 598 |
| Loan and lease loss provision to assets | 0.5864% | 3,041 |
| Net operating income to assets | 0.5901% | 3,635 |
| Return on assets (ROA) | 0.5901% | 3,700 |
| Pretax return on assets | 0.6585% | 3,991 |
| Return on Equity (ROE) | 5.4640% | 3,756 |
| Retained earnings to average equity (ytd only) | 3.1465% | 3,553 |
| Net charge-offs to loans | 0.8186% | 2,329 |
| Credit loss provision to net charge-offs | 111.6862% | 4,548 |
| Earnings coverage of net charge-offs (x) | 2.3710% | 4,046 |
| Efficiency ratio | 78.9354% | 3,001 |
| Assets per employee ($millions) | 2.2933% | 7,506 |
| Cash dividends to net income (ytd only)* | 42.4140% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 4,152 |
| Loan loss allowance to noncurrent loans | 46.8166% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 1.8876% | 3,528 |
| Noncurrent loans to loans | 2.9074% | 2,621 |
| Net loans and leases to total assets | 61.3251% | 5,355 |
| Net loans and leases to deposits | 74.7472% | 5,254 |
| Net loans and leases to core deposits | 82.5196% | 6,149 |
| Total domestic deposits to total assets | 82.0433% | 4,660 |
| Equity capital to assets | 11.3731% | 2,693 |
| Core capital (leverage) ratio | 10.1165% | 3,154 |
| Tier 1 risk-based capital ratio | 13.9446% | 3,581 |
| Total risk-based capital ratio | 15.1728% | 3,539 |
| Memoranda: | ||
| Average total assets | $932,236,250 | 734 |
| Average earning assets | $840,224,000 | 738 |
| Average equity | $100,681,500 | 659 |
| Average total loans | $597,923,500 | 809 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0641% | 1,932 |
| Cost of funding earning assets | 1.1481% | 7,249 |
| Net interest margin | 4.9160% | 519 |
| Noninterest income to average assets | 1.5728% | 607 |
| Noninterest expense to average assets | 4.7464% | 618 |
| Loan and lease loss provision to assets | 0.6686% | 2,432 |
| Net operating income to assets | 0.5334% | 3,971 |
| Return on assets (ROA) | 0.5334% | 4,077 |
| Pretax return on assets | 0.5798% | 4,372 |
| Return on Equity (ROE) | 5.0297% | 4,063 |
| Retained earnings to average equity (ytd only) | 3.5043% | 3,360 |
| Net charge-offs to loans | 0.8809% | 1,934 |
| Credit loss provision to net charge-offs | 117.1137% | 3,970 |
| Earnings coverage of net charge-offs (x) | 2.1866% | 3,977 |
| Efficiency ratio | 78.9451% | 3,200 |
| Assets per employee ($millions) | 2.1837% | 7,693 |
| Cash dividends to net income (ytd only)* | 30.3275% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 3,990 |
| Loan loss allowance to noncurrent loans | 48.8545% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 1.8712% | 3,372 |
| Noncurrent loans to loans | 2.7591% | 2,614 |
| Net loans and leases to total assets | 63.6944% | 5,044 |
| Net loans and leases to deposits | 76.6262% | 5,076 |
| Net loans and leases to core deposits | 84.6534% | 6,038 |
| Total domestic deposits to total assets | 83.1235% | 4,184 |
| Equity capital to assets | 11.2769% | 2,695 |
| Core capital (leverage) ratio | 10.1246% | 3,163 |
| Tier 1 risk-based capital ratio | 13.7191% | 3,682 |
| Total risk-based capital ratio | 14.9350% | 3,629 |
| Memoranda: | ||
| Average total assets | $927,276,670 | 756 |
| Average earning assets | $834,084,330 | 760 |
| Average equity | $98,336,670 | 682 |
| Average total loans | $600,953,330 | 819 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1210% | 1,868 |
| Cost of funding earning assets | 1.1669% | 7,376 |
| Net interest margin | 4.9541% | 452 |
| Noninterest income to average assets | 1.4867% | 637 |
| Noninterest expense to average assets | 4.7687% | 568 |
| Loan and lease loss provision to assets | 0.4305% | 2,773 |
| Net operating income to assets | 0.6312% | 3,879 |
| Return on assets (ROA) | 0.6312% | 4,060 |
| Pretax return on assets | 0.7457% | 4,271 |
| Return on Equity (ROE) | 6.1453% | 3,980 |
| Retained earnings to average equity (ytd only) | 6.1453% | 2,566 |
| Net charge-offs to loans | 0.5205% | 2,159 |
| Credit loss provision to net charge-offs | 127.3885% | 3,131 |
| Earnings coverage of net charge-offs (x) | 3.4803% | 3,165 |
| Efficiency ratio | 79.9826% | 2,828 |
| Assets per employee ($millions) | 2.2065% | 7,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 4,044 |
| Loan loss allowance to noncurrent loans | 45.9910% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 1.9305% | 3,005 |
| Noncurrent loans to loans | 2.8388% | 2,305 |
| Net loans and leases to total assets | 63.9383% | 4,999 |
| Net loans and leases to deposits | 76.1347% | 5,205 |
| Net loans and leases to core deposits | 83.9354% | 6,062 |
| Total domestic deposits to total assets | 83.9805% | 3,711 |
| Equity capital to assets | 11.2638% | 2,754 |
| Core capital (leverage) ratio | 10.1406% | 3,247 |
| Tier 1 risk-based capital ratio | 13.4990% | 3,863 |
| Total risk-based capital ratio | 14.6720% | 3,833 |
| Memoranda: | ||
| Average total assets | $929,063,500 | 759 |
| Average earning assets | $836,072,000 | 761 |
| Average equity | $95,422,500 | 699 |
| Average total loans | $603,237,000 | 814 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7477% | 1,874 |
| Cost of funding earning assets | 1.8104% | 6,975 |
| Net interest margin | 4.9373% | 585 |
| Noninterest income to average assets | 1.5835% | 558 |
| Noninterest expense to average assets | 4.6938% | 768 |
| Loan and lease loss provision to assets | 0.4971% | 2,826 |
| Net operating income to assets | 0.7391% | 3,721 |
| Return on assets (ROA) | 0.7391% | 3,557 |
| Pretax return on assets | 0.8218% | 3,987 |
| Return on Equity (ROE) | 8.0208% | 3,067 |
| Retained earnings to average equity (ytd only) | 3.2839% | 3,110 |
| Net charge-offs to loans | 0.4200% | 2,718 |
| Credit loss provision to net charge-offs | 187.2944% | 2,653 |
| Earnings coverage of net charge-offs (x) | 4.9692% | 3,797 |
| Efficiency ratio | 77.7842% | 2,955 |
| Assets per employee ($millions) | 2.2335% | 7,657 |
| Cash dividends to net income (ytd only)* | 59.0580% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 4,188 |
| Loan loss allowance to noncurrent loans | 73.2239% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.1422% | 3,987 |
| Noncurrent loans to loans | 1.7012% | 3,220 |
| Net loans and leases to total assets | 64.2623% | 5,220 |
| Net loans and leases to deposits | 78.2823% | 5,295 |
| Net loans and leases to core deposits | 87.7034% | 5,997 |
| Total domestic deposits to total assets | 82.0905% | 4,164 |
| Equity capital to assets | 9.2922% | 4,942 |
| Core capital (leverage) ratio | 8.2716% | 6,007 |
| Tier 1 risk-based capital ratio | 10.8960% | 5,812 |
| Total risk-based capital ratio | 12.0133% | 5,852 |
| Memoranda: | ||
| Average total assets | $916,333,200 | 727 |
| Average earning assets | $822,023,600 | 738 |
| Average equity | $84,443,200 | 790 |
| Average total loans | $579,016,600 | 826 |