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MutualBank, 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 | 4.5152% | 2,888 |
| Cost of funding earning assets | 1.0637% | 1,455 |
| Net interest margin | 3.4515% | 3,587 |
| Noninterest income to average assets | 1.1611% | 696 |
| Noninterest expense to average assets | 2.9467% | 2,155 |
| Loan and lease loss provision to assets | 0.0945% | 2,145 |
| Net operating income to assets | 1.1442% | 2,277 |
| Return on assets (ROA) | 1.1884% | 2,198 |
| Pretax return on assets | 1.3252% | 2,413 |
| Return on Equity (ROE) | 10.8734% | 1,939 |
| Retained earnings to average equity (ytd only) | 5.9954% | 1,871 |
| Net charge-offs to loans | 0.1271% | 1,502 |
| Credit loss provision to net charge-offs | 101.3514% | 2,443 |
| Earnings coverage of net charge-offs (x) | 14.6991% | 2,270 |
| Efficiency ratio | 67.3780% | 2,548 |
| Assets per employee ($millions) | 4.2984% | 3,511 |
| Cash dividends to net income (ytd only)* | 44.8613% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 4,032 |
| Loan loss allowance to noncurrent loans | 184.9222% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 2,760 |
| Noncurrent loans to loans | 0.4786% | 2,753 |
| Net loans and leases to total assets | 72.3745% | 2,029 |
| Net loans and leases to deposits | 95.7062% | 970 |
| Net loans and leases to core deposits | 109.6032% | 877 |
| Total domestic deposits to total assets | 75.6216% | 4,646 |
| Equity capital to assets | 11.4981% | 2,528 |
| Core capital (leverage) ratio | 9.9375% | 3,584 |
| Tier 1 risk-based capital ratio | 13.0132% | 3,785 |
| Total risk-based capital ratio | 13.8739% | 3,878 |
| Memoranda: | ||
| Average total assets | $2,063,354,800 | 412 |
| Average earning assets | $1,886,808,000 | 412 |
| Average equity | $225,504,600 | 427 |
| Average total loans | $1,513,992,800 | 402 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 2,917 |
| Cost of funding earning assets | 1.0856% | 1,403 |
| Net interest margin | 3.4579% | 3,708 |
| Noninterest income to average assets | 1.0119% | 914 |
| Noninterest expense to average assets | 2.8458% | 2,417 |
| Loan and lease loss provision to assets | 0.0888% | 2,125 |
| Net operating income to assets | 1.0482% | 2,790 |
| Return on assets (ROA) | 1.1017% | 2,652 |
| Pretax return on assets | 1.3023% | 2,663 |
| Return on Equity (ROE) | 10.2134% | 2,347 |
| Retained earnings to average equity (ytd only) | 4.8250% | 2,974 |
| Net charge-offs to loans | 0.1095% | 1,369 |
| Credit loss provision to net charge-offs | 110.4418% | 2,087 |
| Earnings coverage of net charge-offs (x) | 16.5165% | 2,140 |
| Efficiency ratio | 67.2521% | 2,536 |
| Assets per employee ($millions) | 4.1874% | 3,636 |
| Cash dividends to net income (ytd only)* | 52.7581% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 4,112 |
| Loan loss allowance to noncurrent loans | 229.5618% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 3,138 |
| Noncurrent loans to loans | 0.3852% | 3,171 |
| Net loans and leases to total assets | 72.6626% | 2,055 |
| Net loans and leases to deposits | 95.3558% | 1,091 |
| Net loans and leases to core deposits | 108.9308% | 995 |
| Total domestic deposits to total assets | 76.2016% | 4,624 |
| Equity capital to assets | 11.2223% | 2,903 |
| Core capital (leverage) ratio | 9.5877% | 4,075 |
| Tier 1 risk-based capital ratio | 12.5337% | 4,119 |
| Total risk-based capital ratio | 13.3935% | 4,235 |
| Memoranda: | ||
| Average total assets | $2,064,460,000 | 415 |
| Average earning assets | $1,887,747,250 | 415 |
| Average equity | $222,696,000 | 433 |
| Average total loans | $1,516,628,250 | 404 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5327% | 2,907 |
| Cost of funding earning assets | 1.0851% | 1,356 |
| Net interest margin | 3.4476% | 3,745 |
| Noninterest income to average assets | 0.9575% | 961 |
| Noninterest expense to average assets | 2.8577% | 2,392 |
| Loan and lease loss provision to assets | 0.0921% | 2,009 |
| Net operating income to assets | 0.9838% | 2,979 |
| Return on assets (ROA) | 1.0551% | 2,766 |
| Pretax return on assets | 1.2433% | 2,776 |
| Return on Equity (ROE) | 9.9149% | 2,435 |
| Retained earnings to average equity (ytd only) | 3.5382% | 3,475 |
| Net charge-offs to loans | 0.1050% | 1,342 |
| Credit loss provision to net charge-offs | 119.3467% | 1,744 |
| Earnings coverage of net charge-offs (x) | 16.2173% | 1,942 |
| Efficiency ratio | 68.5713% | 2,435 |
| Assets per employee ($millions) | 4.0424% | 3,813 |
| Cash dividends to net income (ytd only)* | 64.3146% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8737% | 4,185 |
| Loan loss allowance to noncurrent loans | 225.9882% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 2,993 |
| Noncurrent loans to loans | 0.3866% | 3,143 |
| Net loans and leases to total assets | 73.0749% | 2,044 |
| Net loans and leases to deposits | 96.3998% | 995 |
| Net loans and leases to core deposits | 111.1170% | 911 |
| Total domestic deposits to total assets | 75.8040% | 4,693 |
| Equity capital to assets | 10.8068% | 3,264 |
| Core capital (leverage) ratio | 9.3605% | 4,300 |
| Tier 1 risk-based capital ratio | 12.2098% | 4,294 |
| Total risk-based capital ratio | 13.0678% | 4,408 |
| Memoranda: | ||
| Average total assets | $2,063,094,330 | 414 |
| Average earning assets | $1,886,010,000 | 416 |
| Average equity | $219,548,000 | 440 |
| Average total loans | $1,516,678,000 | 405 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5386% | 2,736 |
| Cost of funding earning assets | 1.0691% | 1,295 |
| Net interest margin | 3.4695% | 3,680 |
| Noninterest income to average assets | 0.8974% | 1,045 |
| Noninterest expense to average assets | 2.8605% | 2,386 |
| Loan and lease loss provision to assets | 0.0926% | 1,875 |
| Net operating income to assets | 0.9407% | 3,085 |
| Return on assets (ROA) | 1.0134% | 2,841 |
| Pretax return on assets | 1.2002% | 2,800 |
| Return on Equity (ROE) | 9.5987% | 2,549 |
| Retained earnings to average equity (ytd only) | 5.9054% | 2,493 |
| Net charge-offs to loans | 0.1041% | 1,118 |
| Credit loss provision to net charge-offs | 121.1735% | 1,407 |
| Earnings coverage of net charge-offs (x) | 15.7832% | 1,728 |
| Efficiency ratio | 69.3178% | 2,451 |
| Assets per employee ($millions) | 3.9911% | 3,939 |
| Cash dividends to net income (ytd only)* | 38.4763% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8835% | 4,223 |
| Loan loss allowance to noncurrent loans | 206.2982% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3925% | 3,008 |
| Noncurrent loans to loans | 0.4283% | 3,049 |
| Net loans and leases to total assets | 72.8005% | 2,023 |
| Net loans and leases to deposits | 95.8433% | 984 |
| Net loans and leases to core deposits | 110.5046% | 902 |
| Total domestic deposits to total assets | 75.9578% | 4,764 |
| Equity capital to assets | 10.7208% | 3,142 |
| Core capital (leverage) ratio | 9.3780% | 4,289 |
| Tier 1 risk-based capital ratio | 12.2941% | 4,302 |
| Total risk-based capital ratio | 13.1601% | 4,407 |
| Memoranda: | ||
| Average total assets | $2,051,699,000 | 420 |
| Average earning assets | $1,874,150,500 | 419 |
| Average equity | $216,613,500 | 446 |
| Average total loans | $1,506,170,000 | 408 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5200% | 2,403 |
| Cost of funding earning assets | 0.8931% | 1,118 |
| Net interest margin | 3.6269% | 3,289 |
| Noninterest income to average assets | 0.9744% | 999 |
| Noninterest expense to average assets | 3.0515% | 1,929 |
| Loan and lease loss provision to assets | 0.1099% | 2,001 |
| Net operating income to assets | 0.9555% | 3,198 |
| Return on assets (ROA) | 0.9909% | 3,048 |
| Pretax return on assets | 1.1649% | 3,041 |
| Return on Equity (ROE) | 9.9269% | 2,547 |
| Retained earnings to average equity (ytd only) | 7.3306% | 1,525 |
| Net charge-offs to loans | 0.0865% | 1,912 |
| Credit loss provision to net charge-offs | 172.9201% | 1,624 |
| Earnings coverage of net charge-offs (x) | 19.4038% | 2,064 |
| Efficiency ratio | 69.8852% | 2,207 |
| Assets per employee ($millions) | 3.9844% | 3,910 |
| Cash dividends to net income (ytd only)* | 26.1547% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 4,225 |
| Loan loss allowance to noncurrent loans | 145.8489% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 2,480 |
| Noncurrent loans to loans | 0.6072% | 2,458 |
| Net loans and leases to total assets | 72.7223% | 2,143 |
| Net loans and leases to deposits | 97.5919% | 935 |
| Net loans and leases to core deposits | 111.6065% | 902 |
| Total domestic deposits to total assets | 74.5167% | 4,914 |
| Equity capital to assets | 10.3935% | 3,292 |
| Core capital (leverage) ratio | 9.2451% | 4,404 |
| Tier 1 risk-based capital ratio | 12.2036% | 4,294 |
| Total risk-based capital ratio | 13.0764% | 4,424 |
| Memoranda: | ||
| Average total assets | $1,929,174,600 | 425 |
| Average earning assets | $1,760,720,000 | 426 |
| Average equity | $192,577,000 | 461 |
| Average total loans | $1,417,489,000 | 419 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 2,406 |
| Cost of funding earning assets | 0.8437% | 1,139 |
| Net interest margin | 3.6241% | 3,289 |
| Noninterest income to average assets | 0.9527% | 1,054 |
| Noninterest expense to average assets | 3.0644% | 1,848 |
| Loan and lease loss provision to assets | 0.1066% | 1,876 |
| Net operating income to assets | 0.9281% | 3,398 |
| Return on assets (ROA) | 0.9678% | 3,241 |
| Pretax return on assets | 1.1362% | 3,259 |
| Return on Equity (ROE) | 9.8038% | 2,709 |
| Retained earnings to average equity (ytd only) | 7.6717% | 1,810 |
| Net charge-offs to loans | 0.0857% | 1,651 |
| Credit loss provision to net charge-offs | 169.2650% | 1,573 |
| Earnings coverage of net charge-offs (x) | 18.9856% | 2,029 |
| Efficiency ratio | 70.5199% | 2,116 |
| Assets per employee ($millions) | 3.9468% | 3,972 |
| Cash dividends to net income (ytd only)* | 21.7470% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 4,348 |
| Loan loss allowance to noncurrent loans | 227.4698% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3782% | 3,175 |
| Noncurrent loans to loans | 0.3860% | 3,270 |
| Net loans and leases to total assets | 72.8190% | 2,201 |
| Net loans and leases to deposits | 95.6727% | 1,193 |
| Net loans and leases to core deposits | 109.3427% | 1,077 |
| Total domestic deposits to total assets | 76.1126% | 4,778 |
| Equity capital to assets | 10.1237% | 3,517 |
| Core capital (leverage) ratio | 9.0589% | 4,650 |
| Tier 1 risk-based capital ratio | 11.9963% | 4,504 |
| Total risk-based capital ratio | 12.8633% | 4,612 |
| Memoranda: | ||
| Average total assets | $1,900,465,000 | 428 |
| Average earning assets | $1,734,625,750 | 432 |
| Average equity | $187,610,000 | 471 |
| Average total loans | $1,396,927,750 | 421 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 2,450 |
| Cost of funding earning assets | 0.7980% | 1,138 |
| Net interest margin | 3.5935% | 3,342 |
| Noninterest income to average assets | 0.9626% | 1,025 |
| Noninterest expense to average assets | 3.1081% | 1,765 |
| Loan and lease loss provision to assets | 0.1021% | 1,904 |
| Net operating income to assets | 0.8861% | 3,519 |
| Return on assets (ROA) | 0.9101% | 3,422 |
| Pretax return on assets | 1.0615% | 3,469 |
| Return on Equity (ROE) | 9.3053% | 2,891 |
| Retained earnings to average equity (ytd only) | 9.3053% | 1,125 |
| Net charge-offs to loans | 0.0888% | 1,458 |
| Credit loss provision to net charge-offs | 156.2500% | 1,539 |
| Earnings coverage of net charge-offs (x) | 17.3865% | 1,953 |
| Efficiency ratio | 71.8781% | 2,026 |
| Assets per employee ($millions) | 3.9826% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 4,487 |
| Loan loss allowance to noncurrent loans | 241.3081% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 3,233 |
| Noncurrent loans to loans | 0.3592% | 3,408 |
| Net loans and leases to total assets | 72.5242% | 2,193 |
| Net loans and leases to deposits | 95.5762% | 1,186 |
| Net loans and leases to core deposits | 105.2187% | 1,302 |
| Total domestic deposits to total assets | 75.8810% | 4,864 |
| Equity capital to assets | 10.1972% | 3,440 |
| Core capital (leverage) ratio | 8.9660% | 4,720 |
| Tier 1 risk-based capital ratio | 11.8122% | 4,615 |
| Total risk-based capital ratio | 12.6598% | 4,740 |
| Memoranda: | ||
| Average total assets | $1,861,689,330 | 436 |
| Average earning assets | $1,699,894,670 | 437 |
| Average equity | $182,089,000 | 481 |
| Average total loans | $1,368,698,000 | 426 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 3,273 |
| Cost of funding earning assets | 0.7500% | 1,193 |
| Net interest margin | 3.3391% | 4,079 |
| Noninterest income to average assets | 0.9601% | 1,000 |
| Noninterest expense to average assets | 2.8442% | 2,555 |
| Loan and lease loss provision to assets | 0.1006% | 1,845 |
| Net operating income to assets | 0.9200% | 3,202 |
| Return on assets (ROA) | 0.9496% | 3,093 |
| Pretax return on assets | 1.1048% | 3,159 |
| Return on Equity (ROE) | 9.9466% | 2,466 |
| Retained earnings to average equity (ytd only) | 9.9466% | 1,177 |
| Net charge-offs to loans | 0.0910% | 1,253 |
| Credit loss provision to net charge-offs | 150.0000% | 1,229 |
| Earnings coverage of net charge-offs (x) | 17.4567% | 1,580 |
| Efficiency ratio | 69.9282% | 2,492 |
| Assets per employee ($millions) | 3.8457% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 4,590 |
| Loan loss allowance to noncurrent loans | 213.7596% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 3,226 |
| Noncurrent loans to loans | 0.4037% | 3,338 |
| Net loans and leases to total assets | 72.3042% | 2,121 |
| Net loans and leases to deposits | 93.3121% | 1,300 |
| Net loans and leases to core deposits | 103.7131% | 1,399 |
| Total domestic deposits to total assets | 77.4863% | 4,804 |
| Equity capital to assets | 10.1187% | 3,480 |
| Core capital (leverage) ratio | 8.6811% | 5,004 |
| Tier 1 risk-based capital ratio | 11.6137% | 4,795 |
| Total risk-based capital ratio | 12.4599% | 4,924 |
| Memoranda: | ||
| Average total assets | $1,788,915,000 | 460 |
| Average earning assets | $1,636,749,000 | 460 |
| Average equity | $170,792,000 | 509 |
| Average total loans | $1,318,816,000 | 442 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0903% | 3,090 |
| Cost of funding earning assets | 0.7247% | 912 |
| Net interest margin | 3.3657% | 3,948 |
| Noninterest income to average assets | 1.1106% | 825 |
| Noninterest expense to average assets | 2.9407% | 2,316 |
| Loan and lease loss provision to assets | 0.0778% | 2,642 |
| Net operating income to assets | 0.7313% | 3,467 |
| Return on assets (ROA) | 0.7602% | 3,384 |
| Pretax return on assets | 1.2245% | 2,665 |
| Return on Equity (ROE) | 8.2480% | 2,672 |
| Retained earnings to average equity (ytd only) | -2.2030% | 5,298 |
| Net charge-offs to loans | 0.1026% | 2,042 |
| Credit loss provision to net charge-offs | 100.4115% | 2,549 |
| Earnings coverage of net charge-offs (x) | 16.2214% | 2,195 |
| Efficiency ratio | 69.6505% | 2,611 |
| Assets per employee ($millions) | 3.9057% | 4,113 |
| Cash dividends to net income (ytd only)* | 126.7097% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 3,654 |
| Loan loss allowance to noncurrent loans | 235.8979% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 3,281 |
| Noncurrent loans to loans | 0.4432% | 3,192 |
| Net loans and leases to total assets | 73.9304% | 1,932 |
| Net loans and leases to deposits | 96.5230% | 1,039 |
| Net loans and leases to core deposits | 107.7588% | 1,149 |
| Total domestic deposits to total assets | 76.5935% | 4,906 |
| Equity capital to assets | 8.8294% | 4,870 |
| Core capital (leverage) ratio | 8.4431% | 5,184 |
| Tier 1 risk-based capital ratio | 11.2498% | 5,015 |
| Total risk-based capital ratio | 12.2935% | 5,003 |
| Memoranda: | ||
| Average total assets | $1,567,703,400 | 496 |
| Average earning assets | $1,438,026,600 | 495 |
| Average equity | $144,484,200 | 558 |
| Average total loans | $1,183,777,000 | 461 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0698% | 3,092 |
| Cost of funding earning assets | 0.7053% | 938 |
| Net interest margin | 3.3645% | 3,970 |
| Noninterest income to average assets | 1.0903% | 857 |
| Noninterest expense to average assets | 2.9288% | 2,307 |
| Loan and lease loss provision to assets | 0.0742% | 2,584 |
| Net operating income to assets | 0.8519% | 3,264 |
| Return on assets (ROA) | 0.8801% | 3,176 |
| Pretax return on assets | 1.2114% | 2,854 |
| Return on Equity (ROE) | 9.4483% | 2,383 |
| Retained earnings to average equity (ytd only) | 5.9686% | 2,255 |
| Net charge-offs to loans | 0.0985% | 1,795 |
| Credit loss provision to net charge-offs | 99.5423% | 2,323 |
| Earnings coverage of net charge-offs (x) | 16.7289% | 2,153 |
| Efficiency ratio | 69.6889% | 2,583 |
| Assets per employee ($millions) | 3.8518% | 4,229 |
| Cash dividends to net income (ytd only)* | 36.8288% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 3,874 |
| Loan loss allowance to noncurrent loans | 290.4270% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 3,763 |
| Noncurrent loans to loans | 0.3567% | 3,675 |
| Net loans and leases to total assets | 74.8821% | 1,777 |
| Net loans and leases to deposits | 98.3947% | 878 |
| Net loans and leases to core deposits | 111.0492% | 976 |
| Total domestic deposits to total assets | 76.1037% | 5,006 |
| Equity capital to assets | 9.4846% | 4,460 |
| Core capital (leverage) ratio | 9.1479% | 4,571 |
| Tier 1 risk-based capital ratio | 12.1009% | 4,547 |
| Total risk-based capital ratio | 13.1451% | 4,579 |
| Memoranda: | ||
| Average total assets | $1,563,196,000 | 502 |
| Average earning assets | $1,433,587,250 | 498 |
| Average equity | $145,602,750 | 558 |
| Average total loans | $1,183,539,750 | 465 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 3,109 |
| Cost of funding earning assets | 0.6821% | 980 |
| Net interest margin | 3.3438% | 3,972 |
| Noninterest income to average assets | 1.0733% | 873 |
| Noninterest expense to average assets | 2.9257% | 2,339 |
| Loan and lease loss provision to assets | 0.0642% | 2,685 |
| Net operating income to assets | 0.8354% | 3,219 |
| Return on assets (ROA) | 0.8736% | 3,106 |
| Pretax return on assets | 1.2006% | 2,769 |
| Return on Equity (ROE) | 9.4377% | 2,302 |
| Retained earnings to average equity (ytd only) | 5.9705% | 2,137 |
| Net charge-offs to loans | 0.0773% | 1,849 |
| Credit loss provision to net charge-offs | 109.6491% | 1,897 |
| Earnings coverage of net charge-offs (x) | 20.7105% | 1,779 |
| Efficiency ratio | 70.2107% | 2,639 |
| Assets per employee ($millions) | 3.7913% | 4,288 |
| Cash dividends to net income (ytd only)* | 36.7377% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 3,893 |
| Loan loss allowance to noncurrent loans | 351.2154% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 3,961 |
| Noncurrent loans to loans | 0.2965% | 3,980 |
| Net loans and leases to total assets | 75.0434% | 1,692 |
| Net loans and leases to deposits | 100.5271% | 696 |
| Net loans and leases to core deposits | 112.7034% | 864 |
| Total domestic deposits to total assets | 74.6499% | 5,237 |
| Equity capital to assets | 9.3593% | 4,553 |
| Core capital (leverage) ratio | 9.0151% | 4,705 |
| Tier 1 risk-based capital ratio | 11.9985% | 4,631 |
| Total risk-based capital ratio | 13.0564% | 4,646 |
| Memoranda: | ||
| Average total assets | $1,557,852,670 | 509 |
| Average earning assets | $1,427,908,670 | 502 |
| Average equity | $144,209,000 | 563 |
| Average total loans | $1,179,741,330 | 467 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9731% | 3,135 |
| Cost of funding earning assets | 0.6626% | 1,014 |
| Net interest margin | 3.3105% | 3,972 |
| Noninterest income to average assets | 1.0221% | 962 |
| Noninterest expense to average assets | 2.9598% | 2,275 |
| Loan and lease loss provision to assets | 0.0516% | 2,778 |
| Net operating income to assets | 0.7661% | 3,397 |
| Return on assets (ROA) | 0.7904% | 3,323 |
| Pretax return on assets | 1.0763% | 3,070 |
| Return on Equity (ROE) | 8.5868% | 2,622 |
| Retained earnings to average equity (ytd only) | 5.2227% | 2,772 |
| Net charge-offs to loans | 0.0682% | 1,646 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 21.2100% | 1,458 |
| Efficiency ratio | 72.4669% | 2,495 |
| Assets per employee ($millions) | 3.7599% | 4,400 |
| Cash dividends to net income (ytd only)* | 39.1773% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 3,949 |
| Loan loss allowance to noncurrent loans | 259.5263% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 3,675 |
| Noncurrent loans to loans | 0.4069% | 3,634 |
| Net loans and leases to total assets | 74.8856% | 1,601 |
| Net loans and leases to deposits | 98.9413% | 688 |
| Net loans and leases to core deposits | 110.0972% | 874 |
| Total domestic deposits to total assets | 75.6869% | 5,262 |
| Equity capital to assets | 9.2836% | 4,534 |
| Core capital (leverage) ratio | 8.9184% | 4,825 |
| Tier 1 risk-based capital ratio | 12.0447% | 4,682 |
| Total risk-based capital ratio | 13.1237% | 4,702 |
| Memoranda: | ||
| Average total assets | $1,550,083,500 | 511 |
| Average earning assets | $1,419,835,500 | 506 |
| Average equity | $142,684,000 | 564 |
| Average total loans | $1,173,036,000 | 472 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9073% | 3,548 |
| Cost of funding earning assets | 0.6464% | 1,076 |
| Net interest margin | 3.2609% | 4,264 |
| Noninterest income to average assets | 1.2043% | 784 |
| Noninterest expense to average assets | 3.0109% | 2,319 |
| Loan and lease loss provision to assets | 0.0562% | 3,257 |
| Net operating income to assets | 0.8049% | 3,284 |
| Return on assets (ROA) | 0.8542% | 3,156 |
| Pretax return on assets | 1.1720% | 2,795 |
| Return on Equity (ROE) | 8.8463% | 2,492 |
| Retained earnings to average equity (ytd only) | 0.6337% | 5,072 |
| Net charge-offs to loans | 0.0988% | 2,299 |
| Credit loss provision to net charge-offs | 76.6456% | 3,031 |
| Earnings coverage of net charge-offs (x) | 15.8350% | 2,165 |
| Efficiency ratio | 71.5134% | 2,666 |
| Assets per employee ($millions) | 3.7019% | 4,471 |
| Cash dividends to net income (ytd only)* | 92.8361% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,981 |
| Loan loss allowance to noncurrent loans | 230.1059% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.4683% | 3,383 |
| Noncurrent loans to loans | 0.4585% | 3,514 |
| Net loans and leases to total assets | 74.8682% | 1,711 |
| Net loans and leases to deposits | 100.5316% | 637 |
| Net loans and leases to core deposits | 111.4813% | 803 |
| Total domestic deposits to total assets | 74.4723% | 5,407 |
| Equity capital to assets | 9.1264% | 4,673 |
| Core capital (leverage) ratio | 8.8175% | 4,950 |
| Tier 1 risk-based capital ratio | 11.8646% | 4,813 |
| Total risk-based capital ratio | 12.9425% | 4,834 |
| Memoranda: | ||
| Average total assets | $1,513,191,200 | 504 |
| Average earning assets | $1,376,843,200 | 504 |
| Average equity | $146,116,800 | 540 |
| Average total loans | $1,122,559,400 | 461 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8890% | 3,624 |
| Cost of funding earning assets | 0.6433% | 1,084 |
| Net interest margin | 3.2457% | 4,358 |
| Noninterest income to average assets | 1.2361% | 757 |
| Noninterest expense to average assets | 3.0147% | 2,276 |
| Loan and lease loss provision to assets | 0.0532% | 3,192 |
| Net operating income to assets | 0.8162% | 3,292 |
| Return on assets (ROA) | 0.8720% | 3,167 |
| Pretax return on assets | 1.1942% | 2,861 |
| Return on Equity (ROE) | 8.9049% | 2,552 |
| Retained earnings to average equity (ytd only) | 3.0268% | 4,099 |
| Net charge-offs to loans | 0.0786% | 2,199 |
| Credit loss provision to net charge-offs | 91.7431% | 2,505 |
| Earnings coverage of net charge-offs (x) | 20.1926% | 1,886 |
| Efficiency ratio | 71.3130% | 2,679 |
| Assets per employee ($millions) | 3.6551% | 4,564 |
| Cash dividends to net income (ytd only)* | 66.0091% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 3,827 |
| Loan loss allowance to noncurrent loans | 215.2360% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 3,647 |
| Noncurrent loans to loans | 0.5115% | 3,464 |
| Net loans and leases to total assets | 73.8283% | 1,894 |
| Net loans and leases to deposits | 100.2212% | 695 |
| Net loans and leases to core deposits | 107.6390% | 1,071 |
| Total domestic deposits to total assets | 73.6653% | 5,465 |
| Equity capital to assets | 9.7429% | 4,423 |
| Core capital (leverage) ratio | 9.1744% | 4,629 |
| Tier 1 risk-based capital ratio | 12.3150% | 4,598 |
| Total risk-based capital ratio | 13.4341% | 4,580 |
| Memoranda: | ||
| Average total assets | $1,503,719,500 | 512 |
| Average earning assets | $1,366,497,500 | 511 |
| Average equity | $147,256,750 | 539 |
| Average total loans | $1,109,787,750 | 465 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8765% | 3,672 |
| Cost of funding earning assets | 0.6428% | 1,084 |
| Net interest margin | 3.2337% | 4,431 |
| Noninterest income to average assets | 1.2040% | 777 |
| Noninterest expense to average assets | 3.0173% | 2,286 |
| Loan and lease loss provision to assets | 0.0468% | 3,213 |
| Net operating income to assets | 0.7900% | 3,358 |
| Return on assets (ROA) | 0.8663% | 3,140 |
| Pretax return on assets | 1.1785% | 2,868 |
| Return on Equity (ROE) | 8.8305% | 2,573 |
| Retained earnings to average equity (ytd only) | 2.6834% | 4,192 |
| Net charge-offs to loans | 0.0705% | 2,181 |
| Credit loss provision to net charge-offs | 90.4393% | 2,236 |
| Earnings coverage of net charge-offs (x) | 21.6693% | 1,670 |
| Efficiency ratio | 72.1163% | 2,632 |
| Assets per employee ($millions) | 3.5660% | 4,656 |
| Cash dividends to net income (ytd only)* | 69.6122% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 3,787 |
| Loan loss allowance to noncurrent loans | 236.7393% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 3,661 |
| Noncurrent loans to loans | 0.4770% | 3,653 |
| Net loans and leases to total assets | 73.1535% | 1,993 |
| Net loans and leases to deposits | 100.4711% | 655 |
| Net loans and leases to core deposits | 107.5526% | 1,061 |
| Total domestic deposits to total assets | 72.8105% | 5,615 |
| Equity capital to assets | 9.8579% | 4,380 |
| Core capital (leverage) ratio | 9.2179% | 4,566 |
| Tier 1 risk-based capital ratio | 12.5593% | 4,473 |
| Total risk-based capital ratio | 13.7111% | 4,458 |
| Memoranda: | ||
| Average total assets | $1,494,466,000 | 515 |
| Average earning assets | $1,356,636,330 | 512 |
| Average equity | $146,605,670 | 540 |
| Average total loans | $1,098,632,670 | 469 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8664% | 3,706 |
| Cost of funding earning assets | 0.6464% | 1,076 |
| Net interest margin | 3.2201% | 4,511 |
| Noninterest income to average assets | 1.0186% | 1,036 |
| Noninterest expense to average assets | 3.0355% | 2,285 |
| Loan and lease loss provision to assets | 0.0538% | 2,861 |
| Net operating income to assets | 0.6176% | 4,104 |
| Return on assets (ROA) | 0.6408% | 4,138 |
| Pretax return on assets | 0.8815% | 3,922 |
| Return on Equity (ROE) | 6.5485% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.5485% | 2,111 |
| Net charge-offs to loans | 0.0628% | 1,865 |
| Credit loss provision to net charge-offs | 116.9591% | 1,460 |
| Earnings coverage of net charge-offs (x) | 19.6491% | 1,496 |
| Efficiency ratio | 76.2493% | 2,144 |
| Assets per employee ($millions) | 3.6007% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 3,719 |
| Loan loss allowance to noncurrent loans | 195.3438% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.5792% | 3,329 |
| Noncurrent loans to loans | 0.5935% | 3,411 |
| Net loans and leases to total assets | 72.1127% | 2,020 |
| Net loans and leases to deposits | 96.8919% | 857 |
| Net loans and leases to core deposits | 104.6853% | 1,152 |
| Total domestic deposits to total assets | 74.4259% | 5,578 |
| Equity capital to assets | 9.8752% | 4,248 |
| Core capital (leverage) ratio | 9.2672% | 4,526 |
| Tier 1 risk-based capital ratio | 12.8754% | 4,342 |
| Total risk-based capital ratio | 14.0680% | 4,295 |
| Memoranda: | ||
| Average total assets | $1,487,485,000 | 515 |
| Average earning assets | $1,349,043,500 | 512 |
| Average equity | $145,559,000 | 542 |
| Average total loans | $1,089,913,000 | 468 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9513% | 3,520 |
| Cost of funding earning assets | 0.6351% | 1,151 |
| Net interest margin | 3.3162% | 4,223 |
| Noninterest income to average assets | 1.1312% | 926 |
| Noninterest expense to average assets | 2.9123% | 2,813 |
| Loan and lease loss provision to assets | 0.0086% | 4,227 |
| Net operating income to assets | 0.8664% | 3,039 |
| Return on assets (ROA) | 0.8879% | 3,021 |
| Pretax return on assets | 1.2453% | 2,485 |
| Return on Equity (ROE) | 9.2624% | 2,336 |
| Retained earnings to average equity (ytd only) | 6.6653% | 1,462 |
| Net charge-offs to loans | 0.0619% | 2,986 |
| Credit loss provision to net charge-offs | 19.2012% | 3,753 |
| Earnings coverage of net charge-offs (x) | 27.1828% | 1,553 |
| Efficiency ratio | 69.5481% | 3,297 |
| Assets per employee ($millions) | 3.5338% | 4,765 |
| Cash dividends to net income (ytd only)* | 28.0396% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 3,687 |
| Loan loss allowance to noncurrent loans | 176.2549% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.6442% | 3,120 |
| Noncurrent loans to loans | 0.6598% | 3,211 |
| Net loans and leases to total assets | 72.7306% | 1,934 |
| Net loans and leases to deposits | 98.1613% | 804 |
| Net loans and leases to core deposits | 105.3925% | 1,140 |
| Total domestic deposits to total assets | 74.0930% | 5,633 |
| Equity capital to assets | 9.6883% | 4,320 |
| Core capital (leverage) ratio | 9.2125% | 4,593 |
| Tier 1 risk-based capital ratio | 12.8156% | 4,441 |
| Total risk-based capital ratio | 14.0178% | 4,371 |
| Memoranda: | ||
| Average total assets | $1,446,032,400 | 494 |
| Average earning assets | $1,310,274,000 | 498 |
| Average equity | $138,614,000 | 545 |
| Average total loans | $1,052,117,400 | 455 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 3,605 |
| Cost of funding earning assets | 0.6338% | 1,185 |
| Net interest margin | 3.3015% | 4,334 |
| Noninterest income to average assets | 1.1431% | 917 |
| Noninterest expense to average assets | 2.9206% | 2,781 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8555% | 3,150 |
| Return on assets (ROA) | 0.8829% | 3,108 |
| Pretax return on assets | 1.2528% | 2,586 |
| Return on Equity (ROE) | 9.2358% | 2,446 |
| Retained earnings to average equity (ytd only) | 5.7448% | 2,404 |
| Net charge-offs to loans | 0.0525% | 2,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 31.8514% | 1,442 |
| Efficiency ratio | 69.7551% | 3,244 |
| Assets per employee ($millions) | 3.4837% | 4,817 |
| Cash dividends to net income (ytd only)* | 37.7992% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 3,666 |
| Loan loss allowance to noncurrent loans | 178.3448% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 3,414 |
| Noncurrent loans to loans | 0.6723% | 3,312 |
| Net loans and leases to total assets | 72.1868% | 2,033 |
| Net loans and leases to deposits | 97.0538% | 903 |
| Net loans and leases to core deposits | 104.8085% | 1,182 |
| Total domestic deposits to total assets | 74.3782% | 5,677 |
| Equity capital to assets | 9.6722% | 4,545 |
| Core capital (leverage) ratio | 9.0543% | 4,930 |
| Tier 1 risk-based capital ratio | 12.5771% | 4,699 |
| Total risk-based capital ratio | 13.8063% | 4,619 |
| Memoranda: | ||
| Average total assets | $1,438,255,250 | 497 |
| Average earning assets | $1,303,010,250 | 501 |
| Average equity | $137,490,000 | 552 |
| Average total loans | $1,043,403,000 | 464 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9204% | 3,613 |
| Cost of funding earning assets | 0.6319% | 1,219 |
| Net interest margin | 3.2885% | 4,343 |
| Noninterest income to average assets | 1.1181% | 966 |
| Noninterest expense to average assets | 2.9269% | 2,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8224% | 3,263 |
| Return on assets (ROA) | 0.8582% | 3,195 |
| Pretax return on assets | 1.2188% | 2,701 |
| Return on Equity (ROE) | 9.0136% | 2,537 |
| Retained earnings to average equity (ytd only) | 5.5672% | 2,494 |
| Net charge-offs to loans | 0.0506% | 2,702 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 31.9160% | 1,315 |
| Efficiency ratio | 70.5283% | 3,257 |
| Assets per employee ($millions) | 3.4713% | 4,853 |
| Cash dividends to net income (ytd only)* | 38.2363% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 3,637 |
| Loan loss allowance to noncurrent loans | 197.8234% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.5713% | 3,698 |
| Noncurrent loans to loans | 0.6200% | 3,611 |
| Net loans and leases to total assets | 71.9732% | 1,983 |
| Net loans and leases to deposits | 96.1202% | 954 |
| Net loans and leases to core deposits | 103.1896% | 1,251 |
| Total domestic deposits to total assets | 74.8783% | 5,718 |
| Equity capital to assets | 9.4814% | 4,675 |
| Core capital (leverage) ratio | 8.9734% | 5,004 |
| Tier 1 risk-based capital ratio | 12.6572% | 4,709 |
| Total risk-based capital ratio | 13.9119% | 4,632 |
| Memoranda: | ||
| Average total assets | $1,432,278,000 | 501 |
| Average earning assets | $1,296,399,330 | 501 |
| Average equity | $136,371,330 | 557 |
| Average total loans | $1,036,560,000 | 470 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9339% | 3,486 |
| Cost of funding earning assets | 0.6320% | 1,223 |
| Net interest margin | 3.3019% | 4,211 |
| Noninterest income to average assets | 1.0589% | 1,008 |
| Noninterest expense to average assets | 3.0141% | 2,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7218% | 3,684 |
| Return on assets (ROA) | 0.7689% | 3,571 |
| Pretax return on assets | 1.0968% | 3,095 |
| Return on Equity (ROE) | 8.0589% | 2,930 |
| Retained earnings to average equity (ytd only) | 4.8259% | 3,160 |
| Net charge-offs to loans | -0.0191% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5696% | 2,886 |
| Assets per employee ($millions) | 3.4443% | 5,003 |
| Cash dividends to net income (ytd only)* | 40.1167% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 3,531 |
| Loan loss allowance to noncurrent loans | 176.1562% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.6991% | 3,389 |
| Noncurrent loans to loans | 0.7253% | 3,445 |
| Net loans and leases to total assets | 71.4478% | 1,906 |
| Net loans and leases to deposits | 93.7469% | 1,008 |
| Net loans and leases to core deposits | 100.2243% | 1,307 |
| Total domestic deposits to total assets | 76.2136% | 5,715 |
| Equity capital to assets | 9.5798% | 4,660 |
| Core capital (leverage) ratio | 8.8925% | 5,082 |
| Tier 1 risk-based capital ratio | 12.4585% | 4,932 |
| Total risk-based capital ratio | 13.7140% | 4,847 |
| Memoranda: | ||
| Average total assets | $1,426,379,000 | 502 |
| Average earning assets | $1,289,312,000 | 506 |
| Average equity | $136,098,000 | 556 |
| Average total loans | $1,028,713,000 | 468 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0617% | 3,474 |
| Cost of funding earning assets | 0.6631% | 1,315 |
| Net interest margin | 3.3986% | 4,207 |
| Noninterest income to average assets | 0.9956% | 1,226 |
| Noninterest expense to average assets | 2.9084% | 3,124 |
| Loan and lease loss provision to assets | 0.0605% | 3,318 |
| Net operating income to assets | 0.7997% | 3,374 |
| Return on assets (ROA) | 0.8164% | 3,381 |
| Pretax return on assets | 1.0954% | 3,104 |
| Return on Equity (ROE) | 8.9543% | 2,610 |
| Retained earnings to average equity (ytd only) | 6.2229% | 1,793 |
| Net charge-offs to loans | 0.1094% | 2,954 |
| Credit loss provision to net charge-offs | 77.6965% | 2,911 |
| Earnings coverage of net charge-offs (x) | 14.5622% | 2,151 |
| Efficiency ratio | 70.8165% | 3,410 |
| Assets per employee ($millions) | 3.4717% | 4,943 |
| Cash dividends to net income (ytd only)* | 30.5037% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 3,499 |
| Loan loss allowance to noncurrent loans | 176.9892% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.7215% | 3,404 |
| Noncurrent loans to loans | 0.7273% | 3,504 |
| Net loans and leases to total assets | 70.9425% | 2,084 |
| Net loans and leases to deposits | 93.3634% | 1,142 |
| Net loans and leases to core deposits | 99.6607% | 1,416 |
| Total domestic deposits to total assets | 75.9853% | 5,731 |
| Equity capital to assets | 9.5030% | 4,716 |
| Core capital (leverage) ratio | 8.7675% | 5,272 |
| Tier 1 risk-based capital ratio | 12.6431% | 4,949 |
| Total risk-based capital ratio | 13.8942% | 4,862 |
| Memoranda: | ||
| Average total assets | $1,405,389,800 | 498 |
| Average earning assets | $1,259,757,600 | 497 |
| Average equity | $128,139,200 | 565 |
| Average total loans | $999,827,400 | 458 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 3,482 |
| Cost of funding earning assets | 0.6636% | 1,368 |
| Net interest margin | 3.4071% | 4,208 |
| Noninterest income to average assets | 0.8926% | 1,547 |
| Noninterest expense to average assets | 2.8683% | 3,236 |
| Loan and lease loss provision to assets | 0.0809% | 2,733 |
| Net operating income to assets | 0.7040% | 3,922 |
| Return on assets (ROA) | 0.7334% | 3,868 |
| Pretax return on assets | 1.0343% | 3,452 |
| Return on Equity (ROE) | 8.1312% | 3,138 |
| Retained earnings to average equity (ytd only) | 5.4932% | 2,759 |
| Net charge-offs to loans | 0.1359% | 2,438 |
| Credit loss provision to net charge-offs | 83.9092% | 2,525 |
| Earnings coverage of net charge-offs (x) | 11.1363% | 2,464 |
| Efficiency ratio | 71.5486% | 3,260 |
| Assets per employee ($millions) | 3.4431% | 4,967 |
| Cash dividends to net income (ytd only)* | 32.4423% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 3,616 |
| Loan loss allowance to noncurrent loans | 157.4263% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 1.1299% | 2,694 |
| Noncurrent loans to loans | 0.8289% | 3,503 |
| Net loans and leases to total assets | 70.8103% | 2,057 |
| Net loans and leases to deposits | 90.9963% | 1,330 |
| Net loans and leases to core deposits | 96.8319% | 1,605 |
| Total domestic deposits to total assets | 77.8166% | 5,566 |
| Equity capital to assets | 9.2143% | 5,132 |
| Core capital (leverage) ratio | 8.5717% | 5,578 |
| Tier 1 risk-based capital ratio | 12.2001% | 5,371 |
| Total risk-based capital ratio | 13.4512% | 5,284 |
| Memoranda: | ||
| Average total assets | $1,400,892,000 | 499 |
| Average earning assets | $1,253,826,750 | 499 |
| Average equity | $126,358,000 | 569 |
| Average total loans | $994,046,750 | 451 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0805% | 3,424 |
| Cost of funding earning assets | 0.6756% | 1,337 |
| Net interest margin | 3.4049% | 4,153 |
| Noninterest income to average assets | 0.8473% | 1,671 |
| Noninterest expense to average assets | 2.8451% | 3,350 |
| Loan and lease loss provision to assets | 0.1218% | 2,014 |
| Net operating income to assets | 0.6590% | 4,049 |
| Return on assets (ROA) | 0.6958% | 3,954 |
| Pretax return on assets | 0.9775% | 3,573 |
| Return on Equity (ROE) | 7.7704% | 3,223 |
| Retained earnings to average equity (ytd only) | 5.3706% | 2,721 |
| Net charge-offs to loans | 0.2065% | 1,786 |
| Credit loss provision to net charge-offs | 83.4151% | 2,289 |
| Earnings coverage of net charge-offs (x) | 7.1757% | 2,669 |
| Efficiency ratio | 71.8139% | 3,379 |
| Assets per employee ($millions) | 3.5871% | 4,689 |
| Cash dividends to net income (ytd only)* | 30.8833% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 3,731 |
| Loan loss allowance to noncurrent loans | 216.6721% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.9983% | 3,065 |
| Noncurrent loans to loans | 0.6112% | 4,193 |
| Net loans and leases to total assets | 69.9929% | 2,087 |
| Net loans and leases to deposits | 91.2853% | 1,239 |
| Net loans and leases to core deposits | 96.5128% | 1,562 |
| Total domestic deposits to total assets | 76.6748% | 5,835 |
| Equity capital to assets | 9.1406% | 5,167 |
| Core capital (leverage) ratio | 8.5164% | 5,621 |
| Tier 1 risk-based capital ratio | 12.0829% | 5,492 |
| Total risk-based capital ratio | 13.3340% | 5,420 |
| Memoranda: | ||
| Average total assets | $1,396,150,000 | 496 |
| Average earning assets | $1,248,679,330 | 502 |
| Average equity | $125,013,000 | 573 |
| Average total loans | $986,963,000 | 454 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 3,252 |
| Cost of funding earning assets | 0.7018% | 1,236 |
| Net interest margin | 3.4050% | 4,093 |
| Noninterest income to average assets | 0.7825% | 1,831 |
| Noninterest expense to average assets | 2.9165% | 3,160 |
| Loan and lease loss provision to assets | 0.1008% | 2,243 |
| Net operating income to assets | 0.5819% | 4,283 |
| Return on assets (ROA) | 0.6129% | 4,213 |
| Pretax return on assets | 0.8482% | 3,910 |
| Return on Equity (ROE) | 6.9185% | 3,518 |
| Retained earnings to average equity (ytd only) | 4.4813% | 3,431 |
| Net charge-offs to loans | 0.1599% | 1,759 |
| Credit loss provision to net charge-offs | 89.2857% | 1,806 |
| Earnings coverage of net charge-offs (x) | 8.0255% | 2,063 |
| Efficiency ratio | 75.0377% | 2,964 |
| Assets per employee ($millions) | 3.5491% | 4,827 |
| Cash dividends to net income (ytd only)* | 35.2278% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 3,765 |
| Loan loss allowance to noncurrent loans | 170.1667% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 1.1748% | 2,907 |
| Noncurrent loans to loans | 0.8021% | 3,868 |
| Net loans and leases to total assets | 69.6220% | 1,962 |
| Net loans and leases to deposits | 87.3310% | 1,434 |
| Net loans and leases to core deposits | 92.6080% | 1,673 |
| Total domestic deposits to total assets | 79.7220% | 5,541 |
| Equity capital to assets | 8.9947% | 5,120 |
| Core capital (leverage) ratio | 8.5389% | 5,595 |
| Tier 1 risk-based capital ratio | 12.1267% | 5,555 |
| Total risk-based capital ratio | 13.3783% | 5,487 |
| Memoranda: | ||
| Average total assets | $1,389,356,000 | 494 |
| Average earning assets | $1,240,303,000 | 504 |
| Average equity | $123,090,000 | 586 |
| Average total loans | $980,465,000 | 457 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0982% | 3,744 |
| Cost of funding earning assets | 0.8426% | 982 |
| Net interest margin | 3.2556% | 4,818 |
| Noninterest income to average assets | 0.9464% | 1,534 |
| Noninterest expense to average assets | 2.8311% | 3,613 |
| Loan and lease loss provision to assets | 0.0923% | 3,267 |
| Net operating income to assets | 0.6609% | 3,983 |
| Return on assets (ROA) | 0.7025% | 3,868 |
| Pretax return on assets | 0.9972% | 3,360 |
| Return on Equity (ROE) | 7.0324% | 3,544 |
| Retained earnings to average equity (ytd only) | 5.9658% | 1,999 |
| Net charge-offs to loans | 0.3995% | 1,691 |
| Credit loss provision to net charge-offs | 33.1126% | 4,182 |
| Earnings coverage of net charge-offs (x) | 3.6946% | 3,783 |
| Efficiency ratio | 71.8803% | 3,501 |
| Assets per employee ($millions) | 3.6037% | 4,670 |
| Cash dividends to net income (ytd only)* | 15.1668% | 3,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 3,813 |
| Loan loss allowance to noncurrent loans | 156.0987% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 1.2752% | 2,865 |
| Noncurrent loans to loans | 0.8755% | 3,795 |
| Net loans and leases to total assets | 69.5898% | 2,082 |
| Net loans and leases to deposits | 86.8346% | 1,594 |
| Net loans and leases to core deposits | 90.2678% | 1,992 |
| Total domestic deposits to total assets | 80.1406% | 5,415 |
| Equity capital to assets | 8.7246% | 5,340 |
| Core capital (leverage) ratio | 8.2828% | 5,892 |
| Tier 1 risk-based capital ratio | 11.8942% | 5,682 |
| Total risk-based capital ratio | 13.1458% | 5,619 |
| Memoranda: | ||
| Average total assets | $1,407,906,400 | 479 |
| Average earning assets | $1,260,595,800 | 479 |
| Average equity | $140,635,400 | 517 |
| Average total loans | $982,781,200 | 436 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 3,800 |
| Cost of funding earning assets | 0.8575% | 1,008 |
| Net interest margin | 3.2335% | 4,881 |
| Noninterest income to average assets | 0.9454% | 1,619 |
| Noninterest expense to average assets | 2.7542% | 3,816 |
| Loan and lease loss provision to assets | 0.2124% | 1,713 |
| Net operating income to assets | 0.6128% | 4,297 |
| Return on assets (ROA) | 0.6680% | 4,165 |
| Pretax return on assets | 0.9551% | 3,669 |
| Return on Equity (ROE) | 6.4853% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.7978% | 2,540 |
| Net charge-offs to loans | 0.5200% | 1,237 |
| Credit loss provision to net charge-offs | 58.6854% | 3,329 |
| Earnings coverage of net charge-offs (x) | 3.0076% | 3,834 |
| Efficiency ratio | 70.1752% | 3,733 |
| Assets per employee ($millions) | 3.6859% | 4,476 |
| Cash dividends to net income (ytd only)* | 10.6008% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 3,567 |
| Loan loss allowance to noncurrent loans | 107.0508% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.6537% | 2,486 |
| Noncurrent loans to loans | 1.3777% | 3,111 |
| Net loans and leases to total assets | 68.7596% | 2,188 |
| Net loans and leases to deposits | 83.8614% | 1,891 |
| Net loans and leases to core deposits | 87.2231% | 2,254 |
| Total domestic deposits to total assets | 81.9920% | 4,936 |
| Equity capital to assets | 10.1418% | 3,713 |
| Core capital (leverage) ratio | 9.6251% | 4,212 |
| Tier 1 risk-based capital ratio | 13.9041% | 4,493 |
| Total risk-based capital ratio | 15.1572% | 4,447 |
| Memoranda: | ||
| Average total assets | $1,412,125,000 | 481 |
| Average earning assets | $1,265,404,000 | 482 |
| Average equity | $145,453,750 | 507 |
| Average total loans | $983,119,250 | 434 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 3,870 |
| Cost of funding earning assets | 0.8642% | 1,066 |
| Net interest margin | 3.1971% | 4,961 |
| Noninterest income to average assets | 0.9938% | 1,548 |
| Noninterest expense to average assets | 2.8127% | 3,627 |
| Loan and lease loss provision to assets | 0.2121% | 1,784 |
| Net operating income to assets | 0.5900% | 4,342 |
| Return on assets (ROA) | 0.6278% | 4,324 |
| Pretax return on assets | 0.8919% | 3,938 |
| Return on Equity (ROE) | 6.0643% | 4,133 |
| Retained earnings to average equity (ytd only) | 6.0643% | 2,396 |
| Net charge-offs to loans | 0.3733% | 1,710 |
| Credit loss provision to net charge-offs | 81.6549% | 2,596 |
| Earnings coverage of net charge-offs (x) | 4.0430% | 3,230 |
| Efficiency ratio | 71.2733% | 3,598 |
| Assets per employee ($millions) | 3.7070% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 3,169 |
| Loan loss allowance to noncurrent loans | 83.1480% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.9512% | 2,218 |
| Noncurrent loans to loans | 1.9213% | 2,481 |
| Net loans and leases to total assets | 68.6532% | 2,113 |
| Net loans and leases to deposits | 83.6093% | 1,853 |
| Net loans and leases to core deposits | 87.4703% | 2,176 |
| Total domestic deposits to total assets | 82.1120% | 5,022 |
| Equity capital to assets | 10.0171% | 3,897 |
| Core capital (leverage) ratio | 9.2899% | 4,560 |
| Tier 1 risk-based capital ratio | 13.6279% | 4,689 |
| Total risk-based capital ratio | 14.8830% | 4,649 |
| Memoranda: | ||
| Average total assets | $1,414,719,670 | 475 |
| Average earning assets | $1,269,447,670 | 481 |
| Average equity | $146,463,000 | 505 |
| Average total loans | $984,134,670 | 431 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0455% | 3,936 |
| Cost of funding earning assets | 0.8707% | 1,140 |
| Net interest margin | 3.1748% | 5,016 |
| Noninterest income to average assets | 0.9615% | 1,576 |
| Noninterest expense to average assets | 2.7931% | 3,724 |
| Loan and lease loss provision to assets | 0.2680% | 1,323 |
| Net operating income to assets | 0.5398% | 4,497 |
| Return on assets (ROA) | 0.6077% | 4,335 |
| Pretax return on assets | 0.8518% | 3,945 |
| Return on Equity (ROE) | 5.7770% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.7770% | 2,797 |
| Net charge-offs to loans | 0.4050% | 1,443 |
| Credit loss provision to net charge-offs | 95.2859% | 1,937 |
| Earnings coverage of net charge-offs (x) | 3.6409% | 2,714 |
| Efficiency ratio | 71.6112% | 3,685 |
| Assets per employee ($millions) | 3.6806% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6338% | 3,258 |
| Loan loss allowance to noncurrent loans | 64.8959% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 2.3732% | 1,961 |
| Noncurrent loans to loans | 2.5176% | 2,051 |
| Net loans and leases to total assets | 68.1193% | 1,988 |
| Net loans and leases to deposits | 82.2591% | 1,790 |
| Net loans and leases to core deposits | 85.8865% | 2,114 |
| Total domestic deposits to total assets | 82.8106% | 4,918 |
| Equity capital to assets | 10.5989% | 3,436 |
| Core capital (leverage) ratio | 9.5910% | 3,943 |
| Tier 1 risk-based capital ratio | 14.3345% | 4,271 |
| Total risk-based capital ratio | 15.5901% | 4,235 |
| Memoranda: | ||
| Average total assets | $1,417,758,000 | 475 |
| Average earning assets | $1,275,291,000 | 482 |
| Average equity | $149,142,000 | 501 |
| Average total loans | $984,812,500 | 432 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 4,284 |
| Cost of funding earning assets | 1.0729% | 1,008 |
| Net interest margin | 3.2048% | 5,559 |
| Noninterest income to average assets | 0.8614% | 1,989 |
| Noninterest expense to average assets | 2.7303% | 4,288 |
| Loan and lease loss provision to assets | 0.4168% | 1,535 |
| Net operating income to assets | 0.4303% | 4,965 |
| Return on assets (ROA) | 0.5732% | 4,623 |
| Pretax return on assets | 0.7865% | 4,341 |
| Return on Equity (ROE) | 5.6402% | 4,347 |
| Retained earnings to average equity (ytd only) | 2.1006% | 4,749 |
| Net charge-offs to loans | 0.7125% | 1,652 |
| Credit loss provision to net charge-offs | 88.5769% | 3,529 |
| Earnings coverage of net charge-offs (x) | 2.1411% | 4,341 |
| Efficiency ratio | 71.2641% | 3,574 |
| Assets per employee ($millions) | 3.6844% | 4,594 |
| Cash dividends to net income (ytd only)* | 62.7565% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 3,225 |
| Loan loss allowance to noncurrent loans | 67.7195% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 2.3277% | 2,110 |
| Noncurrent loans to loans | 2.3901% | 2,240 |
| Net loans and leases to total assets | 68.5456% | 2,095 |
| Net loans and leases to deposits | 82.0863% | 1,985 |
| Net loans and leases to core deposits | 86.7566% | 2,220 |
| Total domestic deposits to total assets | 83.5044% | 4,531 |
| Equity capital to assets | 10.4407% | 3,600 |
| Core capital (leverage) ratio | 9.2613% | 4,484 |
| Tier 1 risk-based capital ratio | 13.8423% | 4,501 |
| Total risk-based capital ratio | 15.0976% | 4,450 |
| Memoranda: | ||
| Average total assets | $1,445,505,200 | 465 |
| Average earning assets | $1,297,383,200 | 466 |
| Average equity | $146,909,800 | 494 |
| Average total loans | $954,712,200 | 436 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 4,443 |
| Cost of funding earning assets | 1.1040% | 1,049 |
| Net interest margin | 3.1990% | 5,704 |
| Noninterest income to average assets | 0.8522% | 2,022 |
| Noninterest expense to average assets | 2.6796% | 4,456 |
| Loan and lease loss provision to assets | 0.4295% | 1,479 |
| Net operating income to assets | 0.4425% | 5,067 |
| Return on assets (ROA) | 0.5467% | 4,898 |
| Pretax return on assets | 0.7578% | 4,648 |
| Return on Equity (ROE) | 5.4154% | 4,637 |
| Retained earnings to average equity (ytd only) | 1.8664% | 5,407 |
| Net charge-offs to loans | 0.8395% | 1,309 |
| Credit loss provision to net charge-offs | 78.5186% | 3,665 |
| Earnings coverage of net charge-offs (x) | 1.9061% | 4,308 |
| Efficiency ratio | 70.1483% | 3,662 |
| Assets per employee ($millions) | 3.8534% | 4,193 |
| Cash dividends to net income (ytd only)* | 65.5352% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 3,493 |
| Loan loss allowance to noncurrent loans | 65.0886% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 2.2052% | 2,430 |
| Noncurrent loans to loans | 2.4680% | 2,334 |
| Net loans and leases to total assets | 64.6452% | 2,898 |
| Net loans and leases to deposits | 79.4632% | 2,479 |
| Net loans and leases to core deposits | 84.5943% | 2,630 |
| Total domestic deposits to total assets | 81.3524% | 5,247 |
| Equity capital to assets | 10.1474% | 4,279 |
| Core capital (leverage) ratio | 8.9438% | 5,135 |
| Tier 1 risk-based capital ratio | 13.7578% | 4,718 |
| Total risk-based capital ratio | 15.0127% | 4,669 |
| Memoranda: | ||
| Average total assets | $1,451,340,500 | 463 |
| Average earning assets | $1,302,041,750 | 466 |
| Average equity | $146,516,250 | 492 |
| Average total loans | $945,673,000 | 438 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3434% | 4,400 |
| Cost of funding earning assets | 1.1470% | 1,042 |
| Net interest margin | 3.1963% | 5,753 |
| Noninterest income to average assets | 0.8406% | 2,001 |
| Noninterest expense to average assets | 2.6540% | 4,594 |
| Loan and lease loss provision to assets | 0.4431% | 1,460 |
| Net operating income to assets | 0.4435% | 5,063 |
| Return on assets (ROA) | 0.4926% | 5,104 |
| Pretax return on assets | 0.6702% | 4,911 |
| Return on Equity (ROE) | 4.8885% | 4,854 |
| Retained earnings to average equity (ytd only) | 1.3163% | 5,532 |
| Net charge-offs to loans | 0.8550% | 1,296 |
| Credit loss provision to net charge-offs | 79.7607% | 3,326 |
| Earnings coverage of net charge-offs (x) | 1.8843% | 4,030 |
| Efficiency ratio | 69.7845% | 3,802 |
| Assets per employee ($millions) | 3.8599% | 4,167 |
| Cash dividends to net income (ytd only)* | 73.0748% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6604% | 3,387 |
| Loan loss allowance to noncurrent loans | 64.3570% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 2.3455% | 2,381 |
| Noncurrent loans to loans | 2.5800% | 2,329 |
| Net loans and leases to total assets | 64.4487% | 2,945 |
| Net loans and leases to deposits | 80.6657% | 2,283 |
| Net loans and leases to core deposits | 84.4808% | 2,632 |
| Total domestic deposits to total assets | 79.8960% | 5,765 |
| Equity capital to assets | 10.0077% | 4,324 |
| Core capital (leverage) ratio | 8.8707% | 5,088 |
| Tier 1 risk-based capital ratio | 13.4624% | 4,861 |
| Total risk-based capital ratio | 14.7178% | 4,811 |
| Memoranda: | ||
| Average total assets | $1,444,450,670 | 464 |
| Average earning assets | $1,292,539,670 | 470 |
| Average equity | $145,564,670 | 493 |
| Average total loans | $938,524,000 | 444 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 4,439 |
| Cost of funding earning assets | 1.2023% | 974 |
| Net interest margin | 3.1707% | 5,845 |
| Noninterest income to average assets | 0.7459% | 2,420 |
| Noninterest expense to average assets | 2.6302% | 4,706 |
| Loan and lease loss provision to assets | 0.3773% | 1,674 |
| Net operating income to assets | 0.4240% | 5,145 |
| Return on assets (ROA) | 0.4658% | 5,170 |
| Pretax return on assets | 0.6168% | 5,058 |
| Return on Equity (ROE) | 4.6063% | 4,981 |
| Retained earnings to average equity (ytd only) | 1.0141% | 5,667 |
| Net charge-offs to loans | 0.6614% | 1,480 |
| Credit loss provision to net charge-offs | 88.1777% | 2,587 |
| Earnings coverage of net charge-offs (x) | 2.1946% | 3,286 |
| Efficiency ratio | 71.6489% | 3,508 |
| Assets per employee ($millions) | 3.7847% | 4,463 |
| Cash dividends to net income (ytd only)* | 77.9844% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7763% | 3,071 |
| Loan loss allowance to noncurrent loans | 56.2149% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 2.7419% | 2,146 |
| Noncurrent loans to loans | 3.1598% | 2,032 |
| Net loans and leases to total assets | 63.9569% | 2,856 |
| Net loans and leases to deposits | 77.0182% | 2,673 |
| Net loans and leases to core deposits | 81.1343% | 2,935 |
| Total domestic deposits to total assets | 83.0413% | 4,909 |
| Equity capital to assets | 10.1202% | 3,962 |
| Core capital (leverage) ratio | 8.9907% | 4,855 |
| Tier 1 risk-based capital ratio | 13.4919% | 4,832 |
| Total risk-based capital ratio | 14.7484% | 4,815 |
| Memoranda: | ||
| Average total assets | $1,431,363,500 | 467 |
| Average earning assets | $1,274,540,000 | 476 |
| Average equity | $144,759,000 | 493 |
| Average total loans | $925,885,500 | 452 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8669% | 3,513 |
| Cost of funding earning assets | 1.5250% | 649 |
| Net interest margin | 3.3419% | 5,679 |
| Noninterest income to average assets | 0.9814% | 1,420 |
| Noninterest expense to average assets | 2.7654% | 4,493 |
| Loan and lease loss provision to assets | 0.9179% | 1,042 |
| Net operating income to assets | 0.2104% | 5,560 |
| Return on assets (ROA) | 0.3209% | 5,337 |
| Pretax return on assets | 0.3775% | 5,360 |
| Return on Equity (ROE) | 3.1791% | 5,213 |
| Retained earnings to average equity (ytd only) | -2.3073% | 6,192 |
| Net charge-offs to loans | 1.0482% | 1,658 |
| Credit loss provision to net charge-offs | 130.0765% | 2,357 |
| Earnings coverage of net charge-offs (x) | 1.6515% | 4,533 |
| Efficiency ratio | 68.2852% | 4,300 |
| Assets per employee ($millions) | 3.6905% | 4,569 |
| Cash dividends to net income (ytd only)* | 172.5764% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 3,981 |
| Loan loss allowance to noncurrent loans | 43.3790% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 2.6930% | 2,259 |
| Noncurrent loans to loans | 3.4783% | 1,840 |
| Net loans and leases to total assets | 63.2840% | 3,333 |
| Net loans and leases to deposits | 77.2495% | 2,962 |
| Net loans and leases to core deposits | 81.2818% | 3,287 |
| Total domestic deposits to total assets | 81.9216% | 5,158 |
| Equity capital to assets | 10.1065% | 4,026 |
| Core capital (leverage) ratio | 8.9525% | 4,857 |
| Tier 1 risk-based capital ratio | 13.0613% | 5,015 |
| Total risk-based capital ratio | 14.3146% | 4,989 |
| Memoranda: | ||
| Average total assets | $1,427,201,600 | 468 |
| Average earning assets | $1,259,590,200 | 473 |
| Average equity | $144,065,000 | 483 |
| Average total loans | $960,770,000 | 436 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 3,341 |
| Cost of funding earning assets | 1.5741% | 654 |
| Net interest margin | 3.3734% | 5,654 |
| Noninterest income to average assets | 0.8241% | 1,948 |
| Noninterest expense to average assets | 2.7679% | 4,471 |
| Loan and lease loss provision to assets | 0.8497% | 1,075 |
| Net operating income to assets | 0.1573% | 5,807 |
| Return on assets (ROA) | 0.2911% | 5,599 |
| Pretax return on assets | 0.3327% | 5,638 |
| Return on Equity (ROE) | 2.8843% | 5,467 |
| Retained earnings to average equity (ytd only) | -3.2266% | 6,441 |
| Net charge-offs to loans | 0.8332% | 1,908 |
| Credit loss provision to net charge-offs | 149.7942% | 2,097 |
| Earnings coverage of net charge-offs (x) | 1.8135% | 4,301 |
| Efficiency ratio | 70.7076% | 3,809 |
| Assets per employee ($millions) | 3.7080% | 4,524 |
| Cash dividends to net income (ytd only)* | 211.8701% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 4,085 |
| Loan loss allowance to noncurrent loans | 53.2044% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 2.3576% | 2,724 |
| Noncurrent loans to loans | 2.8217% | 2,469 |
| Net loans and leases to total assets | 65.9503% | 2,911 |
| Net loans and leases to deposits | 80.0129% | 2,652 |
| Net loans and leases to core deposits | 84.6704% | 2,962 |
| Total domestic deposits to total assets | 82.4246% | 4,910 |
| Equity capital to assets | 10.1415% | 4,165 |
| Core capital (leverage) ratio | 8.9126% | 5,077 |
| Tier 1 risk-based capital ratio | 12.8180% | 5,234 |
| Total risk-based capital ratio | 14.0717% | 5,211 |
| Memoranda: | ||
| Average total assets | $1,427,865,750 | 471 |
| Average earning assets | $1,258,202,750 | 477 |
| Average equity | $144,088,500 | 493 |
| Average total loans | $972,132,500 | 434 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9806% | 3,252 |
| Cost of funding earning assets | 1.6153% | 658 |
| Net interest margin | 3.3654% | 5,659 |
| Noninterest income to average assets | 0.8435% | 1,827 |
| Noninterest expense to average assets | 2.7830% | 4,492 |
| Loan and lease loss provision to assets | 0.8271% | 1,103 |
| Net operating income to assets | 0.2192% | 5,670 |
| Return on assets (ROA) | 0.2027% | 5,847 |
| Pretax return on assets | 0.1977% | 5,936 |
| Return on Equity (ROE) | 2.0121% | 5,783 |
| Retained earnings to average equity (ytd only) | -0.7709% | 6,010 |
| Net charge-offs to loans | 0.8774% | 1,767 |
| Credit loss provision to net charge-offs | 137.6896% | 2,219 |
| Earnings coverage of net charge-offs (x) | 1.7335% | 4,001 |
| Efficiency ratio | 70.5216% | 4,018 |
| Assets per employee ($millions) | 3.6822% | 4,496 |
| Cash dividends to net income (ytd only)* | 138.3126% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 4,466 |
| Loan loss allowance to noncurrent loans | 55.5470% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 2.2286% | 2,943 |
| Noncurrent loans to loans | 2.5628% | 2,813 |
| Net loans and leases to total assets | 66.4700% | 2,935 |
| Net loans and leases to deposits | 81.6429% | 2,501 |
| Net loans and leases to core deposits | 85.0485% | 3,070 |
| Total domestic deposits to total assets | 81.4156% | 5,385 |
| Equity capital to assets | 10.2916% | 3,762 |
| Core capital (leverage) ratio | 9.0982% | 4,568 |
| Tier 1 risk-based capital ratio | 13.0903% | 4,843 |
| Total risk-based capital ratio | 14.3431% | 4,824 |
| Memoranda: | ||
| Average total assets | $1,426,719,000 | 480 |
| Average earning assets | $1,263,692,330 | 483 |
| Average equity | $143,732,670 | 497 |
| Average total loans | $976,731,000 | 443 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9690% | 3,253 |
| Cost of funding earning assets | 1.6362% | 711 |
| Net interest margin | 3.3329% | 5,664 |
| Noninterest income to average assets | 0.7915% | 2,064 |
| Noninterest expense to average assets | 2.8362% | 4,311 |
| Loan and lease loss provision to assets | 1.1783% | 599 |
| Net operating income to assets | -0.1085% | 6,467 |
| Return on assets (ROA) | -0.1299% | 6,509 |
| Pretax return on assets | -0.3075% | 6,624 |
| Return on Equity (ROE) | -1.3035% | 6,525 |
| Retained earnings to average equity (ytd only) | -4.1188% | 6,429 |
| Net charge-offs to loans | 1.4777% | 915 |
| Credit loss provision to net charge-offs | 115.6069% | 2,332 |
| Earnings coverage of net charge-offs (x) | 0.8871% | 3,981 |
| Efficiency ratio | 73.5074% | 3,608 |
| Assets per employee ($millions) | 3.7076% | 4,524 |
| Cash dividends to net income (ytd only)* | -215.9827% | 7,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 4,583 |
| Loan loss allowance to noncurrent loans | 54.6098% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 2.2881% | 2,961 |
| Noncurrent loans to loans | 2.5923% | 2,905 |
| Net loans and leases to total assets | 65.7254% | 3,084 |
| Net loans and leases to deposits | 80.6909% | 2,570 |
| Net loans and leases to core deposits | 84.0809% | 3,149 |
| Total domestic deposits to total assets | 81.4533% | 5,510 |
| Equity capital to assets | 9.8177% | 4,015 |
| Core capital (leverage) ratio | 8.8587% | 4,837 |
| Tier 1 risk-based capital ratio | 12.8582% | 4,938 |
| Total risk-based capital ratio | 14.1108% | 4,909 |
| Memoranda: | ||
| Average total assets | $1,425,722,500 | 483 |
| Average earning assets | $1,261,490,000 | 493 |
| Average equity | $142,080,000 | 495 |
| Average total loans | $983,407,000 | 446 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3193% | 3,032 |
| Cost of funding earning assets | 1.9182% | 790 |
| Net interest margin | 3.4011% | 5,628 |
| Noninterest income to average assets | 0.9681% | 1,618 |
| Noninterest expense to average assets | 2.7490% | 4,786 |
| Loan and lease loss provision to assets | 0.4910% | 3,203 |
| Net operating income to assets | 0.5662% | 3,819 |
| Return on assets (ROA) | 0.5177% | 4,170 |
| Pretax return on assets | 0.6651% | 4,108 |
| Return on Equity (ROE) | 5.1867% | 3,993 |
| Retained earnings to average equity (ytd only) | 2.6746% | 3,985 |
| Net charge-offs to loans | 0.3660% | 4,198 |
| Credit loss provision to net charge-offs | 186.1632% | 1,757 |
| Earnings coverage of net charge-offs (x) | 4.6190% | 2,862 |
| Efficiency ratio | 66.9224% | 4,772 |
| Assets per employee ($millions) | 3.5492% | 4,826 |
| Cash dividends to net income (ytd only)* | 48.4327% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 4,565 |
| Loan loss allowance to noncurrent loans | 43.9377% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 2.6154% | 2,661 |
| Noncurrent loans to loans | 3.1640% | 2,406 |
| Net loans and leases to total assets | 70.3574% | 2,450 |
| Net loans and leases to deposits | 87.9945% | 1,791 |
| Net loans and leases to core deposits | 91.4811% | 2,557 |
| Total domestic deposits to total assets | 79.9566% | 5,850 |
| Equity capital to assets | 10.1175% | 3,593 |
| Core capital (leverage) ratio | 9.1765% | 4,215 |
| Tier 1 risk-based capital ratio | 12.5425% | 4,986 |
| Total risk-based capital ratio | 13.7950% | 4,974 |
| Memoranda: | ||
| Average total assets | $1,435,715,000 | 471 |
| Average earning assets | $1,266,089,800 | 485 |
| Average equity | $143,310,000 | 483 |
| Average total loans | $1,034,567,800 | 433 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3867% | 2,937 |
| Cost of funding earning assets | 1.9601% | 854 |
| Net interest margin | 3.4267% | 5,583 |
| Noninterest income to average assets | 0.9478% | 1,625 |
| Noninterest expense to average assets | 2.7548% | 4,666 |
| Loan and lease loss provision to assets | 0.4873% | 3,038 |
| Net operating income to assets | 0.5649% | 4,032 |
| Return on assets (ROA) | 0.5011% | 4,501 |
| Pretax return on assets | 0.6436% | 4,446 |
| Return on Equity (ROE) | 5.0365% | 4,268 |
| Retained earnings to average equity (ytd only) | 2.9008% | 4,395 |
| Net charge-offs to loans | 0.4283% | 3,577 |
| Credit loss provision to net charge-offs | 157.5097% | 2,428 |
| Earnings coverage of net charge-offs (x) | 3.9200% | 3,256 |
| Efficiency ratio | 67.0252% | 4,647 |
| Assets per employee ($millions) | 3.6508% | 4,613 |
| Cash dividends to net income (ytd only)* | 42.4041% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 4,990 |
| Loan loss allowance to noncurrent loans | 43.3022% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 2.5132% | 2,855 |
| Noncurrent loans to loans | 2.9924% | 2,668 |
| Net loans and leases to total assets | 69.8911% | 2,754 |
| Net loans and leases to deposits | 89.2311% | 1,830 |
| Net loans and leases to core deposits | 92.9336% | 2,669 |
| Total domestic deposits to total assets | 78.3259% | 6,188 |
| Equity capital to assets | 10.0816% | 4,054 |
| Core capital (leverage) ratio | 8.9404% | 4,777 |
| Tier 1 risk-based capital ratio | 12.2882% | 5,196 |
| Total risk-based capital ratio | 13.5394% | 5,163 |
| Memoranda: | ||
| Average total assets | $1,443,270,000 | 463 |
| Average earning assets | $1,271,879,750 | 472 |
| Average equity | $143,587,250 | 473 |
| Average total loans | $1,042,507,000 | 428 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4424% | 2,791 |
| Cost of funding earning assets | 2.0172% | 867 |
| Net interest margin | 3.4253% | 5,537 |
| Noninterest income to average assets | 0.8767% | 1,771 |
| Noninterest expense to average assets | 2.7559% | 4,678 |
| Loan and lease loss provision to assets | 0.4225% | 3,211 |
| Net operating income to assets | 0.5407% | 4,141 |
| Return on assets (ROA) | 0.4979% | 4,492 |
| Pretax return on assets | 0.6573% | 4,378 |
| Return on Equity (ROE) | 5.0270% | 4,275 |
| Retained earnings to average equity (ytd only) | 3.6283% | 3,791 |
| Net charge-offs to loans | 0.4274% | 3,283 |
| Credit loss provision to net charge-offs | 135.9786% | 2,949 |
| Earnings coverage of net charge-offs (x) | 3.6567% | 3,224 |
| Efficiency ratio | 68.2933% | 4,525 |
| Assets per employee ($millions) | 3.6454% | 4,597 |
| Cash dividends to net income (ytd only)* | 27.8242% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 5,275 |
| Loan loss allowance to noncurrent loans | 51.8899% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 2.1210% | 3,346 |
| Noncurrent loans to loans | 2.3768% | 3,283 |
| Net loans and leases to total assets | 70.3689% | 2,825 |
| Net loans and leases to deposits | 91.4371% | 1,625 |
| Net loans and leases to core deposits | 95.2468% | 2,548 |
| Total domestic deposits to total assets | 76.9588% | 6,514 |
| Equity capital to assets | 10.1374% | 3,847 |
| Core capital (leverage) ratio | 8.8354% | 4,854 |
| Tier 1 risk-based capital ratio | 11.6335% | 5,641 |
| Total risk-based capital ratio | 12.8838% | 5,604 |
| Memoranda: | ||
| Average total assets | $1,443,675,670 | 464 |
| Average earning assets | $1,270,972,670 | 471 |
| Average equity | $142,989,000 | 473 |
| Average total loans | $1,049,643,670 | 428 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4315% | 2,892 |
| Cost of funding earning assets | 2.0569% | 923 |
| Net interest margin | 3.3747% | 5,691 |
| Noninterest income to average assets | 0.8805% | 1,700 |
| Noninterest expense to average assets | 2.7512% | 4,686 |
| Loan and lease loss provision to assets | 0.4225% | 2,843 |
| Net operating income to assets | 0.5001% | 4,389 |
| Return on assets (ROA) | 0.4402% | 4,788 |
| Pretax return on assets | 0.5924% | 4,637 |
| Return on Equity (ROE) | 4.4978% | 4,662 |
| Retained earnings to average equity (ytd only) | 4.4978% | 3,461 |
| Net charge-offs to loans | 0.4693% | 2,638 |
| Credit loss provision to net charge-offs | 122.5884% | 2,855 |
| Earnings coverage of net charge-offs (x) | 3.1793% | 2,995 |
| Efficiency ratio | 68.9737% | 4,510 |
| Assets per employee ($millions) | 4.0755% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 5,301 |
| Loan loss allowance to noncurrent loans | 50.5971% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 2.1714% | 3,311 |
| Noncurrent loans to loans | 2.4438% | 3,233 |
| Net loans and leases to total assets | 69.3844% | 3,074 |
| Net loans and leases to deposits | 91.6884% | 1,656 |
| Net loans and leases to core deposits | 95.7934% | 2,610 |
| Total domestic deposits to total assets | 75.6741% | 6,807 |
| Equity capital to assets | 9.5568% | 4,447 |
| Core capital (leverage) ratio | 8.4961% | 5,384 |
| Tier 1 risk-based capital ratio | 11.2129% | 5,944 |
| Total risk-based capital ratio | 12.4630% | 5,899 |
| Memoranda: | ||
| Average total assets | $1,443,727,000 | 478 |
| Average earning assets | $1,269,108,000 | 484 |
| Average equity | $141,313,000 | 481 |
| Average total loans | $1,060,210,000 | 442 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8238% | 2,558 |
| Cost of funding earning assets | 2.4094% | 1,273 |
| Net interest margin | 3.4144% | 5,315 |
| Noninterest income to average assets | 0.9903% | 1,611 |
| Noninterest expense to average assets | 3.0693% | 3,875 |
| Loan and lease loss provision to assets | 0.4649% | 4,049 |
| Net operating income to assets | 0.3956% | 4,148 |
| Return on assets (ROA) | 0.2935% | 4,638 |
| Pretax return on assets | 0.3432% | 4,660 |
| Return on Equity (ROE) | 2.8705% | 4,563 |
| Retained earnings to average equity (ytd only) | -1.3272% | 5,355 |
| Net charge-offs to loans | 0.2695% | 4,934 |
| Credit loss provision to net charge-offs | 218.4140% | 1,735 |
| Earnings coverage of net charge-offs (x) | 4.3542% | 2,976 |
| Efficiency ratio | 74.0742% | 3,881 |
| Assets per employee ($millions) | 3.4737% | 5,071 |
| Cash dividends to net income (ytd only)* | 146.2345% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 4,941 |
| Loan loss allowance to noncurrent loans | 44.0089% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 2.6033% | 2,697 |
| Noncurrent loans to loans | 2.8847% | 2,677 |
| Net loans and leases to total assets | 75.8423% | 1,845 |
| Net loans and leases to deposits | 101.2547% | 805 |
| Net loans and leases to core deposits | 126.9463% | 1,454 |
| Total domestic deposits to total assets | 74.9025% | 6,879 |
| Equity capital to assets | 10.0339% | 3,711 |
| Core capital (leverage) ratio | 9.3803% | 3,858 |
| Tier 1 risk-based capital ratio | 11.5631% | 5,333 |
| Total risk-based capital ratio | 12.8139% | 5,291 |
| Memoranda: | ||
| Average total assets | $1,398,157,800 | 487 |
| Average earning assets | $1,230,824,600 | 497 |
| Average equity | $142,936,600 | 474 |
| Average total loans | $1,104,264,800 | 445 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8734% | 2,567 |
| Cost of funding earning assets | 2.4627% | 1,406 |
| Net interest margin | 3.4106% | 5,217 |
| Noninterest income to average assets | 1.0230% | 1,521 |
| Noninterest expense to average assets | 3.0374% | 3,891 |
| Loan and lease loss provision to assets | 0.4626% | 3,598 |
| Net operating income to assets | 0.4549% | 4,176 |
| Return on assets (ROA) | 0.4844% | 4,150 |
| Pretax return on assets | 0.5665% | 4,309 |
| Return on Equity (ROE) | 4.7163% | 4,072 |
| Retained earnings to average equity (ytd only) | 2.8588% | 3,732 |
| Net charge-offs to loans | 0.2958% | 4,176 |
| Credit loss provision to net charge-offs | 196.6748% | 2,281 |
| Earnings coverage of net charge-offs (x) | 4.2295% | 3,204 |
| Efficiency ratio | 72.5634% | 4,139 |
| Assets per employee ($millions) | 3.3596% | 5,235 |
| Cash dividends to net income (ytd only)* | 39.3856% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,483 |
| Loan loss allowance to noncurrent loans | 43.6800% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 2.6060% | 2,671 |
| Noncurrent loans to loans | 2.9828% | 2,533 |
| Net loans and leases to total assets | 76.5337% | 1,886 |
| Net loans and leases to deposits | 103.3820% | 818 |
| Net loans and leases to core deposits | 130.4921% | 1,406 |
| Total domestic deposits to total assets | 74.0301% | 6,940 |
| Equity capital to assets | 10.3719% | 3,655 |
| Core capital (leverage) ratio | 9.7986% | 3,519 |
| Tier 1 risk-based capital ratio | 11.6241% | 5,310 |
| Total risk-based capital ratio | 12.8749% | 5,251 |
| Memoranda: | ||
| Average total assets | $1,397,724,750 | 502 |
| Average earning assets | $1,233,290,250 | 510 |
| Average equity | $143,555,000 | 480 |
| Average total loans | $1,111,490,750 | 458 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9508% | 2,387 |
| Cost of funding earning assets | 2.5301% | 1,508 |
| Net interest margin | 3.4207% | 5,093 |
| Noninterest income to average assets | 1.0521% | 1,427 |
| Noninterest expense to average assets | 3.0400% | 3,919 |
| Loan and lease loss provision to assets | 0.4579% | 3,238 |
| Net operating income to assets | 0.4803% | 4,175 |
| Return on assets (ROA) | 0.5163% | 4,147 |
| Pretax return on assets | 0.6154% | 4,284 |
| Return on Equity (ROE) | 5.0431% | 4,058 |
| Retained earnings to average equity (ytd only) | 5.0431% | 2,481 |
| Net charge-offs to loans | 0.2068% | 4,221 |
| Credit loss provision to net charge-offs | 276.1001% | 1,693 |
| Earnings coverage of net charge-offs (x) | 6.2140% | 2,667 |
| Efficiency ratio | 71.8855% | 4,438 |
| Assets per employee ($millions) | 3.3290% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 4,329 |
| Loan loss allowance to noncurrent loans | 50.2922% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 2.2931% | 2,841 |
| Noncurrent loans to loans | 2.5634% | 2,828 |
| Net loans and leases to total assets | 79.4688% | 1,410 |
| Net loans and leases to deposits | 109.4969% | 576 |
| Net loans and leases to core deposits | 136.6234% | 1,180 |
| Total domestic deposits to total assets | 72.5763% | 7,172 |
| Equity capital to assets | 10.4096% | 3,508 |
| Core capital (leverage) ratio | 9.8898% | 3,407 |
| Tier 1 risk-based capital ratio | 11.8318% | 5,069 |
| Total risk-based capital ratio | 13.0807% | 4,989 |
| Memoranda: | ||
| Average total assets | $1,397,770,000 | 512 |
| Average earning assets | $1,233,383,670 | 522 |
| Average equity | $143,087,670 | 488 |
| Average total loans | $1,120,738,670 | 467 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0231% | 2,267 |
| Cost of funding earning assets | 2.5977% | 1,574 |
| Net interest margin | 3.4255% | 5,030 |
| Noninterest income to average assets | 1.0591% | 1,323 |
| Noninterest expense to average assets | 2.9280% | 4,060 |
| Loan and lease loss provision to assets | 0.4130% | 2,857 |
| Net operating income to assets | 0.5967% | 4,030 |
| Return on assets (ROA) | 0.5831% | 4,284 |
| Pretax return on assets | 0.7212% | 4,353 |
| Return on Equity (ROE) | 5.7438% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.7438% | 2,757 |
| Net charge-offs to loans | 0.1748% | 3,588 |
| Credit loss provision to net charge-offs | 295.3157% | 1,647 |
| Earnings coverage of net charge-offs (x) | 8.2301% | 2,224 |
| Efficiency ratio | 69.0014% | 4,774 |
| Assets per employee ($millions) | 3.4200% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 4,364 |
| Loan loss allowance to noncurrent loans | 63.4536% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.7501% | 3,297 |
| Noncurrent loans to loans | 1.9809% | 3,288 |
| Net loans and leases to total assets | 77.8975% | 1,847 |
| Net loans and leases to deposits | 108.4390% | 701 |
| Net loans and leases to core deposits | 137.9851% | 1,205 |
| Total domestic deposits to total assets | 71.8353% | 7,236 |
| Equity capital to assets | 10.0535% | 3,939 |
| Core capital (leverage) ratio | 9.4972% | 3,991 |
| Tier 1 risk-based capital ratio | 12.2404% | 4,757 |
| Total risk-based capital ratio | 13.4907% | 4,666 |
| Memoranda: | ||
| Average total assets | $1,404,229,500 | 511 |
| Average earning assets | $1,238,023,500 | 524 |
| Average equity | $142,553,000 | 491 |
| Average total loans | $1,123,659,000 | 467 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5195% | 2,869 |
| Cost of funding earning assets | 3.1247% | 1,435 |
| Net interest margin | 3.3948% | 5,684 |
| Noninterest income to average assets | 0.8930% | 1,987 |
| Noninterest expense to average assets | 5.5228% | 496 |
| Loan and lease loss provision to assets | 0.6180% | 2,356 |
| Net operating income to assets | -1.6450% | 7,518 |
| Return on assets (ROA) | -1.8753% | 7,532 |
| Pretax return on assets | -2.5860% | 7,614 |
| Return on Equity (ROE) | -19.9208% | 7,756 |
| Retained earnings to average equity (ytd only) | -22.7267% | 7,753 |
| Net charge-offs to loans | 0.2145% | 4,064 |
| Credit loss provision to net charge-offs | 349.9003% | 1,292 |
| Earnings coverage of net charge-offs (x) | -9.3569% | 6,891 |
| Efficiency ratio | 74.8100% | 3,436 |
| Assets per employee ($millions) | 3.4385% | 4,833 |
| Cash dividends to net income (ytd only)* | -14.0852% | 7,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 4,465 |
| Loan loss allowance to noncurrent loans | 63.8216% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 1.7512% | 2,792 |
| Noncurrent loans to loans | 1.8931% | 2,917 |
| Net loans and leases to total assets | 80.1939% | 1,612 |
| Net loans and leases to deposits | 115.0274% | 568 |
| Net loans and leases to core deposits | 143.4494% | 1,117 |
| Total domestic deposits to total assets | 69.7172% | 7,310 |
| Equity capital to assets | 10.2520% | 3,755 |
| Core capital (leverage) ratio | 9.5118% | 4,004 |
| Tier 1 risk-based capital ratio | 12.0599% | 4,773 |
| Total risk-based capital ratio | 13.3099% | 4,659 |
| Memoranda: | ||
| Average total assets | $1,135,794,400 | 584 |
| Average earning assets | $996,095,000 | 603 |
| Average equity | $106,918,400 | 633 |
| Average total loans | $935,354,600 | 526 |