Home > Pacific Continental Bank > Performance and Condition Ratios
Pacific Continental Bank, Performance and Condition Ratios
| 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 | 4.4831% | 1,694 |
| Cost of funding earning assets | 0.2694% | 4,417 |
| Net interest margin | 4.2137% | 1,124 |
| Noninterest income to average assets | 0.3460% | 4,067 |
| Noninterest expense to average assets | 2.1841% | 4,559 |
| Loan and lease loss provision to assets | 0.1933% | 995 |
| Net operating income to assets | 1.2722% | 1,428 |
| Return on assets (ROA) | 1.2719% | 1,455 |
| Pretax return on assets | 1.8677% | 750 |
| Return on Equity (ROE) | 10.2611% | 2,006 |
| Retained earnings to average equity (ytd only) | 9.8425% | 618 |
| Net charge-offs to loans | 0.1983% | 1,072 |
| Credit loss provision to net charge-offs | 132.2798% | 1,866 |
| Earnings coverage of net charge-offs (x) | 14.1083% | 2,318 |
| Efficiency ratio | 50.4644% | 5,215 |
| Assets per employee ($millions) | 7.4989% | 768 |
| Cash dividends to net income (ytd only)* | 4.0795% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,687 |
| Loan loss allowance to noncurrent loans | 214.0645% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.8188% | 2,102 |
| Noncurrent loans to loans | 0.5797% | 2,953 |
| Net loans and leases to total assets | 73.1466% | 2,073 |
| Net loans and leases to deposits | 88.5726% | 1,977 |
| Net loans and leases to core deposits | 96.0454% | 2,067 |
| Total domestic deposits to total assets | 82.5838% | 3,588 |
| Equity capital to assets | 13.0219% | 1,379 |
| Core capital (leverage) ratio | 10.7193% | 2,740 |
| Tier 1 risk-based capital ratio | 12.3212% | 4,425 |
| Total risk-based capital ratio | 13.4160% | 4,413 |
| Memoranda: | ||
| Average total assets | $2,569,651,750 | 342 |
| Average earning assets | $2,377,973,750 | 339 |
| Average equity | $318,515,500 | 321 |
| Average total loans | $1,893,637,750 | 325 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4555% | 1,644 |
| Cost of funding earning assets | 0.2675% | 4,395 |
| Net interest margin | 4.1880% | 1,099 |
| Noninterest income to average assets | 0.3737% | 3,884 |
| Noninterest expense to average assets | 2.2803% | 4,403 |
| Loan and lease loss provision to assets | 0.2617% | 628 |
| Net operating income to assets | 1.1744% | 1,690 |
| Return on assets (ROA) | 1.1743% | 1,731 |
| Pretax return on assets | 1.7053% | 1,043 |
| Return on Equity (ROE) | 9.6341% | 2,198 |
| Retained earnings to average equity (ytd only) | 9.6341% | 663 |
| Net charge-offs to loans | 0.2507% | 814 |
| Credit loss provision to net charge-offs | 141.9260% | 1,577 |
| Earnings coverage of net charge-offs (x) | 10.6665% | 2,331 |
| Efficiency ratio | 52.7096% | 5,120 |
| Assets per employee ($millions) | 7.4278% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,890 |
| Loan loss allowance to noncurrent loans | 222.6643% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 2,221 |
| Noncurrent loans to loans | 0.5482% | 3,101 |
| Net loans and leases to total assets | 72.7948% | 2,081 |
| Net loans and leases to deposits | 90.0274% | 1,725 |
| Net loans and leases to core deposits | 99.2255% | 1,705 |
| Total domestic deposits to total assets | 80.8585% | 4,216 |
| Equity capital to assets | 12.3634% | 1,695 |
| Core capital (leverage) ratio | 10.1750% | 3,308 |
| Tier 1 risk-based capital ratio | 11.5615% | 4,916 |
| Total risk-based capital ratio | 12.6330% | 4,924 |
| Memoranda: | ||
| Average total assets | $2,578,827,000 | 347 |
| Average earning assets | $2,385,408,670 | 340 |
| Average equity | $314,343,330 | 326 |
| Average total loans | $1,897,236,330 | 330 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4361% | 1,539 |
| Cost of funding earning assets | 0.2452% | 4,576 |
| Net interest margin | 4.1908% | 1,011 |
| Noninterest income to average assets | 0.3345% | 4,165 |
| Noninterest expense to average assets | 2.3953% | 4,128 |
| Loan and lease loss provision to assets | 0.1404% | 1,348 |
| Net operating income to assets | 1.1357% | 1,728 |
| Return on assets (ROA) | 1.1356% | 1,764 |
| Pretax return on assets | 1.6741% | 1,062 |
| Return on Equity (ROE) | 9.3843% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.3843% | 953 |
| Net charge-offs to loans | 0.1574% | 1,027 |
| Credit loss provision to net charge-offs | 121.2938% | 1,392 |
| Earnings coverage of net charge-offs (x) | 15.6806% | 1,664 |
| Efficiency ratio | 55.9071% | 4,946 |
| Assets per employee ($millions) | 6.8774% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 3,245 |
| Loan loss allowance to noncurrent loans | 229.4004% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.8066% | 2,286 |
| Noncurrent loans to loans | 0.5154% | 3,271 |
| Net loans and leases to total assets | 72.8945% | 1,931 |
| Net loans and leases to deposits | 90.5798% | 1,469 |
| Net loans and leases to core deposits | 100.8103% | 1,453 |
| Total domestic deposits to total assets | 80.4755% | 4,529 |
| Equity capital to assets | 12.1258% | 1,755 |
| Core capital (leverage) ratio | 10.0130% | 3,478 |
| Tier 1 risk-based capital ratio | 11.2604% | 5,162 |
| Total risk-based capital ratio | 12.2950% | 5,189 |
| Memoranda: | ||
| Average total assets | $2,564,656,500 | 347 |
| Average earning assets | $2,371,646,000 | 343 |
| Average equity | $310,348,000 | 327 |
| Average total loans | $1,885,187,500 | 330 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4299% | 1,744 |
| Cost of funding earning assets | 0.2369% | 4,683 |
| Net interest margin | 4.1930% | 1,139 |
| Noninterest income to average assets | 0.3499% | 4,227 |
| Noninterest expense to average assets | 2.5661% | 3,789 |
| Loan and lease loss provision to assets | 0.2484% | 845 |
| Net operating income to assets | 0.9694% | 2,492 |
| Return on assets (ROA) | 0.9803% | 2,543 |
| Pretax return on assets | 1.4318% | 1,814 |
| Return on Equity (ROE) | 8.2556% | 2,808 |
| Retained earnings to average equity (ytd only) | 6.5670% | 1,422 |
| Net charge-offs to loans | 0.0186% | 3,689 |
| Credit loss provision to net charge-offs | 1,835.0168% | 240 |
| Earnings coverage of net charge-offs (x) | 122.9562% | 499 |
| Efficiency ratio | 59.9231% | 4,596 |
| Assets per employee ($millions) | 6.7822% | 1,014 |
| Cash dividends to net income (ytd only)* | 20.4537% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 3,071 |
| Loan loss allowance to noncurrent loans | 189.7575% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9423% | 2,017 |
| Noncurrent loans to loans | 0.6369% | 2,944 |
| Net loans and leases to total assets | 72.3552% | 2,118 |
| Net loans and leases to deposits | 85.1210% | 2,294 |
| Net loans and leases to core deposits | 94.3246% | 2,074 |
| Total domestic deposits to total assets | 85.0028% | 3,047 |
| Equity capital to assets | 12.0756% | 1,754 |
| Core capital (leverage) ratio | 9.9577% | 3,537 |
| Tier 1 risk-based capital ratio | 11.1379% | 5,263 |
| Total risk-based capital ratio | 12.1861% | 5,266 |
| Memoranda: | ||
| Average total assets | $2,194,450,600 | 371 |
| Average earning assets | $2,030,776,200 | 362 |
| Average equity | $260,573,800 | 349 |
| Average total loans | $1,596,574,200 | 357 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 2,175 |
| Cost of funding earning assets | 0.2349% | 4,754 |
| Net interest margin | 4.0607% | 1,502 |
| Noninterest income to average assets | 0.3352% | 4,386 |
| Noninterest expense to average assets | 2.5586% | 3,796 |
| Loan and lease loss provision to assets | 0.2260% | 897 |
| Net operating income to assets | 0.8670% | 3,062 |
| Return on assets (ROA) | 0.8791% | 3,137 |
| Pretax return on assets | 1.3288% | 2,317 |
| Return on Equity (ROE) | 7.4414% | 3,330 |
| Retained earnings to average equity (ytd only) | 5.0867% | 2,763 |
| Net charge-offs to loans | 0.0300% | 3,055 |
| Credit loss provision to net charge-offs | 1,036.2319% | 389 |
| Earnings coverage of net charge-offs (x) | 70.4461% | 853 |
| Efficiency ratio | 61.8340% | 4,261 |
| Assets per employee ($millions) | 5.5550% | 1,799 |
| Cash dividends to net income (ytd only)* | 31.6433% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 3,636 |
| Loan loss allowance to noncurrent loans | 168.3973% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.9971% | 2,078 |
| Noncurrent loans to loans | 0.6748% | 3,000 |
| Net loans and leases to total assets | 70.5146% | 2,418 |
| Net loans and leases to deposits | 82.1928% | 2,703 |
| Net loans and leases to core deposits | 91.3487% | 2,448 |
| Total domestic deposits to total assets | 85.7916% | 2,455 |
| Equity capital to assets | 12.0786% | 2,060 |
| Core capital (leverage) ratio | 11.2650% | 2,215 |
| Tier 1 risk-based capital ratio | 10.9203% | 5,410 |
| Total risk-based capital ratio | 11.8982% | 5,468 |
| Memoranda: | ||
| Average total assets | $2,108,930,250 | 379 |
| Average earning assets | $1,952,754,000 | 377 |
| Average equity | $249,142,000 | 361 |
| Average total loans | $1,531,276,000 | 366 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4132% | 1,791 |
| Cost of funding earning assets | 0.2380% | 4,774 |
| Net interest margin | 4.1752% | 1,170 |
| Noninterest income to average assets | 0.3469% | 4,299 |
| Noninterest expense to average assets | 2.7201% | 3,312 |
| Loan and lease loss provision to assets | 0.2231% | 929 |
| Net operating income to assets | 0.8322% | 3,165 |
| Return on assets (ROA) | 0.8515% | 3,211 |
| Pretax return on assets | 1.3036% | 2,394 |
| Return on Equity (ROE) | 7.2780% | 3,379 |
| Retained earnings to average equity (ytd only) | 3.4552% | 3,695 |
| Net charge-offs to loans | 0.0513% | 2,469 |
| Credit loss provision to net charge-offs | 594.8509% | 578 |
| Earnings coverage of net charge-offs (x) | 39.9106% | 1,161 |
| Efficiency ratio | 63.9092% | 4,036 |
| Assets per employee ($millions) | 6.0923% | 1,341 |
| Cash dividends to net income (ytd only)* | 52.5248% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 2,853 |
| Loan loss allowance to noncurrent loans | 445.0209% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.8087% | 2,570 |
| Noncurrent loans to loans | 0.2896% | 4,336 |
| Net loans and leases to total assets | 72.2132% | 2,131 |
| Net loans and leases to deposits | 89.5886% | 1,799 |
| Net loans and leases to core deposits | 97.9763% | 1,809 |
| Total domestic deposits to total assets | 80.6054% | 4,390 |
| Equity capital to assets | 11.5033% | 2,546 |
| Core capital (leverage) ratio | 9.5623% | 4,113 |
| Tier 1 risk-based capital ratio | 10.4574% | 5,686 |
| Total risk-based capital ratio | 11.5559% | 5,674 |
| Memoranda: | ||
| Average total assets | $1,967,540,330 | 399 |
| Average earning assets | $1,823,817,330 | 393 |
| Average equity | $230,201,670 | 383 |
| Average total loans | $1,439,456,000 | 387 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 1,672 |
| Cost of funding earning assets | 0.2423% | 4,783 |
| Net interest margin | 4.2022% | 1,094 |
| Noninterest income to average assets | 0.3263% | 4,397 |
| Noninterest expense to average assets | 2.4474% | 4,231 |
| Loan and lease loss provision to assets | 0.0506% | 2,908 |
| Net operating income to assets | 1.1297% | 1,794 |
| Return on assets (ROA) | 1.1594% | 1,789 |
| Pretax return on assets | 1.7704% | 899 |
| Return on Equity (ROE) | 9.8226% | 2,063 |
| Retained earnings to average equity (ytd only) | 5.9733% | 2,384 |
| Net charge-offs to loans | -0.0141% | 4,686 |
| Credit loss provision to net charge-offs | -490.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9568% | 5,003 |
| Assets per employee ($millions) | 5.7966% | 1,583 |
| Cash dividends to net income (ytd only)* | 39.1877% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 3,305 |
| Loan loss allowance to noncurrent loans | 328.1611% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.8707% | 2,514 |
| Noncurrent loans to loans | 0.3750% | 4,090 |
| Net loans and leases to total assets | 71.8624% | 2,067 |
| Net loans and leases to deposits | 83.1938% | 2,402 |
| Net loans and leases to core deposits | 89.7088% | 2,402 |
| Total domestic deposits to total assets | 86.3795% | 2,504 |
| Equity capital to assets | 11.7969% | 2,158 |
| Core capital (leverage) ratio | 9.6959% | 3,917 |
| Tier 1 risk-based capital ratio | 11.2991% | 5,343 |
| Total risk-based capital ratio | 12.3954% | 5,336 |
| Memoranda: | ||
| Average total assets | $1,936,936,000 | 401 |
| Average earning assets | $1,796,023,000 | 397 |
| Average equity | $228,616,000 | 383 |
| Average total loans | $1,417,108,000 | 389 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 1,520 |
| Cost of funding earning assets | 0.2566% | 4,719 |
| Net interest margin | 4.2692% | 1,025 |
| Noninterest income to average assets | 0.3260% | 4,565 |
| Noninterest expense to average assets | 2.5473% | 4,079 |
| Loan and lease loss provision to assets | 0.0952% | 2,413 |
| Net operating income to assets | 1.0565% | 2,100 |
| Return on assets (ROA) | 1.0803% | 2,075 |
| Pretax return on assets | 1.6548% | 1,096 |
| Return on Equity (ROE) | 8.9475% | 2,480 |
| Retained earnings to average equity (ytd only) | 5.9000% | 1,842 |
| Net charge-offs to loans | 0.0024% | 4,392 |
| Credit loss provision to net charge-offs | 5,650.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 1,016.8000% | 55 |
| Efficiency ratio | 59.7843% | 4,934 |
| Assets per employee ($millions) | 5.9280% | 1,437 |
| Cash dividends to net income (ytd only)* | 34.0596% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 3,285 |
| Loan loss allowance to noncurrent loans | 314.0497% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.9040% | 2,402 |
| Noncurrent loans to loans | 0.3922% | 4,050 |
| Net loans and leases to total assets | 72.6725% | 1,944 |
| Net loans and leases to deposits | 86.8177% | 2,024 |
| Net loans and leases to core deposits | 94.3621% | 2,020 |
| Total domestic deposits to total assets | 83.7070% | 3,588 |
| Equity capital to assets | 11.8092% | 2,101 |
| Core capital (leverage) ratio | 9.8772% | 3,675 |
| Tier 1 risk-based capital ratio | 11.4118% | 5,306 |
| Total risk-based capital ratio | 12.5157% | 5,292 |
| Memoranda: | ||
| Average total assets | $1,780,186,400 | 409 |
| Average earning assets | $1,640,736,400 | 409 |
| Average equity | $214,932,600 | 390 |
| Average total loans | $1,272,989,800 | 396 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5050% | 1,578 |
| Cost of funding earning assets | 0.2662% | 4,703 |
| Net interest margin | 4.2388% | 1,083 |
| Noninterest income to average assets | 0.3151% | 4,684 |
| Noninterest expense to average assets | 2.5739% | 3,968 |
| Loan and lease loss provision to assets | 0.0896% | 2,369 |
| Net operating income to assets | 1.0195% | 2,379 |
| Return on assets (ROA) | 1.0357% | 2,394 |
| Pretax return on assets | 1.5784% | 1,447 |
| Return on Equity (ROE) | 8.5275% | 2,806 |
| Retained earnings to average equity (ytd only) | 5.7957% | 2,370 |
| Net charge-offs to loans | 0.0215% | 3,503 |
| Credit loss provision to net charge-offs | 587.5000% | 578 |
| Earnings coverage of net charge-offs (x) | 107.7350% | 584 |
| Efficiency ratio | 61.0305% | 4,727 |
| Assets per employee ($millions) | 5.8486% | 1,473 |
| Cash dividends to net income (ytd only)* | 32.0348% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 3,510 |
| Loan loss allowance to noncurrent loans | 345.7232% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.8874% | 2,654 |
| Noncurrent loans to loans | 0.3544% | 4,341 |
| Net loans and leases to total assets | 71.3328% | 2,167 |
| Net loans and leases to deposits | 87.7945% | 1,930 |
| Net loans and leases to core deposits | 96.3705% | 1,852 |
| Total domestic deposits to total assets | 81.2498% | 4,409 |
| Equity capital to assets | 11.9137% | 2,172 |
| Core capital (leverage) ratio | 9.8463% | 3,840 |
| Tier 1 risk-based capital ratio | 11.4535% | 5,400 |
| Total risk-based capital ratio | 12.5464% | 5,392 |
| Memoranda: | ||
| Average total assets | $1,748,029,500 | 416 |
| Average earning assets | $1,609,261,500 | 414 |
| Average equity | $212,311,750 | 400 |
| Average total loans | $1,240,116,500 | 408 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4582% | 1,666 |
| Cost of funding earning assets | 0.2718% | 4,692 |
| Net interest margin | 4.1864% | 1,128 |
| Noninterest income to average assets | 0.3142% | 4,705 |
| Noninterest expense to average assets | 2.6697% | 3,688 |
| Loan and lease loss provision to assets | 0.0645% | 2,827 |
| Net operating income to assets | 0.9414% | 2,677 |
| Return on assets (ROA) | 0.9552% | 2,720 |
| Pretax return on assets | 1.4475% | 1,808 |
| Return on Equity (ROE) | 7.8100% | 3,159 |
| Retained earnings to average equity (ytd only) | 5.7479% | 2,383 |
| Net charge-offs to loans | 0.0290% | 3,090 |
| Credit loss provision to net charge-offs | 316.0920% | 899 |
| Earnings coverage of net charge-offs (x) | 73.0460% | 757 |
| Efficiency ratio | 64.1649% | 4,326 |
| Assets per employee ($millions) | 5.6846% | 1,584 |
| Cash dividends to net income (ytd only)* | 26.4030% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 3,636 |
| Loan loss allowance to noncurrent loans | 440.1594% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.8908% | 2,762 |
| Noncurrent loans to loans | 0.2788% | 4,676 |
| Net loans and leases to total assets | 70.4155% | 2,257 |
| Net loans and leases to deposits | 85.0682% | 2,175 |
| Net loans and leases to core deposits | 93.7023% | 1,990 |
| Total domestic deposits to total assets | 82.7753% | 4,039 |
| Equity capital to assets | 11.9560% | 2,066 |
| Core capital (leverage) ratio | 9.9730% | 3,646 |
| Tier 1 risk-based capital ratio | 11.7436% | 5,312 |
| Total risk-based capital ratio | 12.8440% | 5,323 |
| Memoranda: | ||
| Average total assets | $1,704,909,670 | 427 |
| Average earning assets | $1,566,495,000 | 421 |
| Average equity | $208,526,670 | 405 |
| Average total loans | $1,201,553,000 | 419 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2623% | 2,225 |
| Cost of funding earning assets | 0.2758% | 4,716 |
| Net interest margin | 3.9865% | 1,606 |
| Noninterest income to average assets | 0.2833% | 4,912 |
| Noninterest expense to average assets | 2.8787% | 2,978 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7035% | 3,782 |
| Return on assets (ROA) | 0.7120% | 3,867 |
| Pretax return on assets | 1.0798% | 3,166 |
| Return on Equity (ROE) | 5.7492% | 4,162 |
| Retained earnings to average equity (ytd only) | 5.7492% | 2,633 |
| Net charge-offs to loans | -0.0306% | 5,265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9596% | 2,995 |
| Assets per employee ($millions) | 5.6172% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 3,673 |
| Loan loss allowance to noncurrent loans | 385.6757% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 1.0246% | 2,568 |
| Noncurrent loans to loans | 0.3249% | 4,627 |
| Net loans and leases to total assets | 69.5798% | 2,194 |
| Net loans and leases to deposits | 82.7131% | 2,243 |
| Net loans and leases to core deposits | 91.2188% | 2,007 |
| Total domestic deposits to total assets | 84.1219% | 3,774 |
| Equity capital to assets | 12.2195% | 1,879 |
| Core capital (leverage) ratio | 11.2588% | 2,185 |
| Tier 1 risk-based capital ratio | 11.9007% | 5,307 |
| Total risk-based capital ratio | 13.0176% | 5,297 |
| Memoranda: | ||
| Average total assets | $1,642,140,000 | 443 |
| Average earning assets | $1,508,579,000 | 436 |
| Average equity | $203,366,000 | 413 |
| Average total loans | $1,149,863,500 | 430 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5549% | 1,682 |
| Cost of funding earning assets | 0.3197% | 4,584 |
| Net interest margin | 4.2353% | 1,199 |
| Noninterest income to average assets | 0.3323% | 4,731 |
| Noninterest expense to average assets | 2.5114% | 4,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1155% | 1,922 |
| Return on assets (ROA) | 1.1140% | 1,978 |
| Pretax return on assets | 1.7081% | 969 |
| Return on Equity (ROE) | 8.8323% | 2,667 |
| Retained earnings to average equity (ytd only) | 0.1663% | 5,701 |
| Net charge-offs to loans | 0.0273% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 90.6000% | 571 |
| Efficiency ratio | 59.4857% | 5,288 |
| Assets per employee ($millions) | 5.2209% | 2,047 |
| Cash dividends to net income (ytd only)* | 98.1177% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 2,498 |
| Loan loss allowance to noncurrent loans | 580.2226% | 943 |
| Noncurrent assets plus other real estate owned to assets | 1.0687% | 2,611 |
| Noncurrent loans to loans | 0.2579% | 4,915 |
| Net loans and leases to total assets | 68.4605% | 2,497 |
| Net loans and leases to deposits | 84.9531% | 2,104 |
| Net loans and leases to core deposits | 95.0955% | 1,802 |
| Total domestic deposits to total assets | 80.5862% | 4,864 |
| Equity capital to assets | 12.5793% | 1,594 |
| Core capital (leverage) ratio | 11.1322% | 2,278 |
| Tier 1 risk-based capital ratio | 14.2315% | 3,939 |
| Total risk-based capital ratio | 15.4832% | 3,874 |
| Memoranda: | ||
| Average total assets | $1,483,132,400 | 471 |
| Average earning assets | $1,362,061,600 | 465 |
| Average equity | $187,064,000 | 428 |
| Average total loans | $1,024,776,200 | 448 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 1,620 |
| Cost of funding earning assets | 0.3263% | 4,600 |
| Net interest margin | 4.2528% | 1,147 |
| Noninterest income to average assets | 0.3262% | 4,824 |
| Noninterest expense to average assets | 2.4872% | 4,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1529% | 1,855 |
| Return on assets (ROA) | 1.1509% | 1,921 |
| Pretax return on assets | 1.7378% | 999 |
| Return on Equity (ROE) | 9.1186% | 2,617 |
| Retained earnings to average equity (ytd only) | 0.7483% | 5,579 |
| Net charge-offs to loans | 0.0255% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 98.9654% | 591 |
| Efficiency ratio | 58.8257% | 5,331 |
| Assets per employee ($millions) | 5.1607% | 2,064 |
| Cash dividends to net income (ytd only)* | 91.7934% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 2,618 |
| Loan loss allowance to noncurrent loans | 483.3077% | 998 |
| Noncurrent assets plus other real estate owned to assets | 1.1016% | 2,745 |
| Noncurrent loans to loans | 0.3143% | 4,968 |
| Net loans and leases to total assets | 68.3323% | 2,476 |
| Net loans and leases to deposits | 88.7266% | 1,589 |
| Net loans and leases to core deposits | 99.8126% | 1,384 |
| Total domestic deposits to total assets | 77.0145% | 5,675 |
| Equity capital to assets | 12.6838% | 1,591 |
| Core capital (leverage) ratio | 11.1222% | 2,375 |
| Tier 1 risk-based capital ratio | 14.3359% | 3,997 |
| Total risk-based capital ratio | 15.5879% | 3,924 |
| Memoranda: | ||
| Average total assets | $1,478,011,250 | 467 |
| Average earning assets | $1,356,030,000 | 465 |
| Average equity | $186,544,000 | 424 |
| Average total loans | $1,019,715,000 | 444 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 1,632 |
| Cost of funding earning assets | 0.3252% | 4,700 |
| Net interest margin | 4.2390% | 1,154 |
| Noninterest income to average assets | 0.3405% | 4,699 |
| Noninterest expense to average assets | 2.5234% | 4,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1182% | 1,866 |
| Return on assets (ROA) | 1.1150% | 1,952 |
| Pretax return on assets | 1.6969% | 1,027 |
| Return on Equity (ROE) | 8.8491% | 2,666 |
| Retained earnings to average equity (ytd only) | -1.2883% | 5,897 |
| Net charge-offs to loans | 0.0477% | 3,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 51.8099% | 890 |
| Efficiency ratio | 59.7237% | 5,332 |
| Assets per employee ($millions) | 5.2953% | 1,882 |
| Cash dividends to net income (ytd only)* | 114.5587% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 2,796 |
| Loan loss allowance to noncurrent loans | 317.8868% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 1.0985% | 2,875 |
| Noncurrent loans to loans | 0.4787% | 4,565 |
| Net loans and leases to total assets | 67.6877% | 2,465 |
| Net loans and leases to deposits | 89.2899% | 1,439 |
| Net loans and leases to core deposits | 101.7503% | 1,152 |
| Total domestic deposits to total assets | 75.8067% | 5,930 |
| Equity capital to assets | 12.4708% | 1,665 |
| Core capital (leverage) ratio | 11.0495% | 2,374 |
| Tier 1 risk-based capital ratio | 14.2093% | 4,122 |
| Total risk-based capital ratio | 15.4612% | 4,052 |
| Memoranda: | ||
| Average total assets | $1,473,538,670 | 469 |
| Average earning assets | $1,350,366,330 | 463 |
| Average equity | $185,668,670 | 422 |
| Average total loans | $1,014,670,000 | 446 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 1,676 |
| Cost of funding earning assets | 0.3261% | 4,783 |
| Net interest margin | 4.2148% | 1,176 |
| Noninterest income to average assets | 0.3452% | 4,611 |
| Noninterest expense to average assets | 2.5787% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0700% | 1,930 |
| Return on assets (ROA) | 1.0814% | 1,957 |
| Pretax return on assets | 1.6449% | 1,081 |
| Return on Equity (ROE) | 8.5377% | 2,674 |
| Retained earnings to average equity (ytd only) | 0.4842% | 5,390 |
| Net charge-offs to loans | 0.2077% | 1,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.3671% | 1,785 |
| Efficiency ratio | 61.3056% | 5,229 |
| Assets per employee ($millions) | 5.1655% | 2,046 |
| Cash dividends to net income (ytd only)* | 94.3291% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 3,106 |
| Loan loss allowance to noncurrent loans | 298.2177% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 1.1339% | 2,984 |
| Noncurrent loans to loans | 0.5060% | 4,647 |
| Net loans and leases to total assets | 68.2495% | 2,186 |
| Net loans and leases to deposits | 91.2707% | 1,009 |
| Net loans and leases to core deposits | 104.3082% | 842 |
| Total domestic deposits to total assets | 74.7770% | 6,178 |
| Equity capital to assets | 12.6401% | 1,500 |
| Core capital (leverage) ratio | 11.2206% | 2,205 |
| Tier 1 risk-based capital ratio | 14.6774% | 3,904 |
| Total risk-based capital ratio | 15.9295% | 3,851 |
| Memoranda: | ||
| Average total assets | $1,461,024,500 | 469 |
| Average earning assets | $1,338,442,000 | 464 |
| Average equity | $185,061,500 | 421 |
| Average total loans | $1,006,994,500 | 451 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6727% | 1,647 |
| Cost of funding earning assets | 0.3521% | 5,110 |
| Net interest margin | 4.3206% | 1,055 |
| Noninterest income to average assets | 0.2700% | 5,422 |
| Noninterest expense to average assets | 2.6778% | 4,177 |
| Loan and lease loss provision to assets | 0.0175% | 4,781 |
| Net operating income to assets | 0.9978% | 2,328 |
| Return on assets (ROA) | 0.9964% | 2,410 |
| Pretax return on assets | 1.5118% | 1,407 |
| Return on Equity (ROE) | 7.6727% | 3,212 |
| Retained earnings to average equity (ytd only) | 0.1426% | 5,787 |
| Net charge-offs to loans | 0.0713% | 4,210 |
| Credit loss provision to net charge-offs | 36.8732% | 4,101 |
| Earnings coverage of net charge-offs (x) | 32.3186% | 1,112 |
| Efficiency ratio | 63.6164% | 4,969 |
| Assets per employee ($millions) | 4.9996% | 2,182 |
| Cash dividends to net income (ytd only)* | 98.1411% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 2,752 |
| Loan loss allowance to noncurrent loans | 297.8481% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 1.4967% | 2,475 |
| Noncurrent loans to loans | 0.5377% | 4,647 |
| Net loans and leases to total assets | 67.4490% | 2,444 |
| Net loans and leases to deposits | 89.3427% | 1,305 |
| Net loans and leases to core deposits | 101.6481% | 1,051 |
| Total domestic deposits to total assets | 75.4947% | 6,142 |
| Equity capital to assets | 12.6934% | 1,427 |
| Core capital (leverage) ratio | 11.2906% | 2,131 |
| Tier 1 risk-based capital ratio | 14.6400% | 3,877 |
| Total risk-based capital ratio | 15.8926% | 3,821 |
| Memoranda: | ||
| Average total assets | $1,430,783,600 | 471 |
| Average earning assets | $1,304,489,800 | 470 |
| Average equity | $185,800,400 | 413 |
| Average total loans | $950,635,800 | 449 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6615% | 1,716 |
| Cost of funding earning assets | 0.3598% | 5,201 |
| Net interest margin | 4.3017% | 1,093 |
| Noninterest income to average assets | 0.2632% | 5,564 |
| Noninterest expense to average assets | 2.6978% | 4,026 |
| Loan and lease loss provision to assets | 0.0234% | 4,542 |
| Net operating income to assets | 0.9831% | 2,453 |
| Return on assets (ROA) | 0.9816% | 2,562 |
| Pretax return on assets | 1.4579% | 1,732 |
| Return on Equity (ROE) | 7.5162% | 3,370 |
| Retained earnings to average equity (ytd only) | 0.3887% | 5,811 |
| Net charge-offs to loans | -0.0294% | 6,157 |
| Credit loss provision to net charge-offs | -120.7729% | 5,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5200% | 4,720 |
| Assets per employee ($millions) | 5.1017% | 2,049 |
| Cash dividends to net income (ytd only)* | 94.8280% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7185% | 2,567 |
| Loan loss allowance to noncurrent loans | 282.8143% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 1.5504% | 2,609 |
| Noncurrent loans to loans | 0.6076% | 4,679 |
| Net loans and leases to total assets | 66.0885% | 2,622 |
| Net loans and leases to deposits | 85.7805% | 1,641 |
| Net loans and leases to core deposits | 97.7838% | 1,255 |
| Total domestic deposits to total assets | 77.0437% | 6,041 |
| Equity capital to assets | 12.6951% | 1,481 |
| Core capital (leverage) ratio | 11.3601% | 2,155 |
| Tier 1 risk-based capital ratio | 14.9020% | 3,814 |
| Total risk-based capital ratio | 16.1561% | 3,762 |
| Memoranda: | ||
| Average total assets | $1,426,010,000 | 473 |
| Average earning assets | $1,298,859,250 | 476 |
| Average equity | $186,240,750 | 411 |
| Average total loans | $939,833,500 | 451 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5593% | 1,996 |
| Cost of funding earning assets | 0.3728% | 5,207 |
| Net interest margin | 4.1865% | 1,311 |
| Noninterest income to average assets | 0.3483% | 4,905 |
| Noninterest expense to average assets | 2.7756% | 3,761 |
| Loan and lease loss provision to assets | 0.0353% | 4,242 |
| Net operating income to assets | 0.9116% | 2,736 |
| Return on assets (ROA) | 0.9093% | 2,879 |
| Pretax return on assets | 1.3471% | 2,137 |
| Return on Equity (ROE) | 6.8964% | 3,666 |
| Retained earnings to average equity (ytd only) | 0.4186% | 5,726 |
| Net charge-offs to loans | 0.0630% | 3,805 |
| Credit loss provision to net charge-offs | 85.6164% | 2,527 |
| Earnings coverage of net charge-offs (x) | 33.6164% | 1,053 |
| Efficiency ratio | 66.6995% | 4,411 |
| Assets per employee ($millions) | 5.1472% | 1,939 |
| Cash dividends to net income (ytd only)* | 93.9295% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6979% | 2,784 |
| Loan loss allowance to noncurrent loans | 222.3844% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 1.7579% | 2,479 |
| Noncurrent loans to loans | 0.7635% | 4,393 |
| Net loans and leases to total assets | 65.9625% | 2,606 |
| Net loans and leases to deposits | 87.8347% | 1,357 |
| Net loans and leases to core deposits | 101.4105% | 983 |
| Total domestic deposits to total assets | 75.0985% | 6,347 |
| Equity capital to assets | 12.8481% | 1,401 |
| Core capital (leverage) ratio | 11.3733% | 2,039 |
| Tier 1 risk-based capital ratio | 15.0330% | 3,757 |
| Total risk-based capital ratio | 16.2867% | 3,723 |
| Memoranda: | ||
| Average total assets | $1,416,685,670 | 474 |
| Average earning assets | $1,290,324,670 | 475 |
| Average equity | $186,793,000 | 410 |
| Average total loans | $927,205,330 | 453 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 1,976 |
| Cost of funding earning assets | 0.3730% | 5,340 |
| Net interest margin | 4.1809% | 1,239 |
| Noninterest income to average assets | 0.3099% | 5,211 |
| Noninterest expense to average assets | 2.9544% | 3,145 |
| Loan and lease loss provision to assets | 0.0709% | 3,450 |
| Net operating income to assets | 0.7379% | 3,488 |
| Return on assets (ROA) | 0.7333% | 3,659 |
| Pretax return on assets | 1.0849% | 3,018 |
| Return on Equity (ROE) | 5.4901% | 4,315 |
| Retained earnings to average equity (ytd only) | -1.7337% | 6,046 |
| Net charge-offs to loans | 0.1243% | 2,681 |
| Credit loss provision to net charge-offs | 88.3392% | 2,047 |
| Earnings coverage of net charge-offs (x) | 14.4770% | 1,451 |
| Efficiency ratio | 71.7604% | 3,658 |
| Assets per employee ($millions) | 5.3901% | 1,755 |
| Cash dividends to net income (ytd only)* | 131.5789% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 2,941 |
| Loan loss allowance to noncurrent loans | 207.4790% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 1.7745% | 2,637 |
| Noncurrent loans to loans | 0.8271% | 4,470 |
| Net loans and leases to total assets | 64.6753% | 2,589 |
| Net loans and leases to deposits | 87.1149% | 1,233 |
| Net loans and leases to core deposits | 100.6358% | 914 |
| Total domestic deposits to total assets | 74.2413% | 6,517 |
| Equity capital to assets | 12.9867% | 1,431 |
| Core capital (leverage) ratio | 11.5052% | 1,881 |
| Tier 1 risk-based capital ratio | 15.1044% | 3,765 |
| Total risk-based capital ratio | 16.3417% | 3,732 |
| Memoranda: | ||
| Average total assets | $1,409,574,500 | 479 |
| Average earning assets | $1,283,542,500 | 477 |
| Average equity | $188,267,500 | 414 |
| Average total loans | $910,725,000 | 461 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6498% | 2,795 |
| Cost of funding earning assets | 0.4712% | 5,412 |
| Net interest margin | 4.1786% | 1,714 |
| Noninterest income to average assets | 0.3376% | 5,043 |
| Noninterest expense to average assets | 2.5342% | 4,980 |
| Loan and lease loss provision to assets | 0.1440% | 3,808 |
| Net operating income to assets | 0.9857% | 2,403 |
| Return on assets (ROA) | 0.9857% | 2,626 |
| Pretax return on assets | 1.4672% | 1,792 |
| Return on Equity (ROE) | 7.0079% | 3,639 |
| Retained earnings to average equity (ytd only) | 3.3717% | 3,851 |
| Net charge-offs to loans | 0.0593% | 5,096 |
| Credit loss provision to net charge-offs | 383.0645% | 637 |
| Earnings coverage of net charge-offs (x) | 42.8690% | 756 |
| Efficiency ratio | 61.1337% | 5,370 |
| Assets per employee ($millions) | 5.1291% | 2,066 |
| Cash dividends to net income (ytd only)* | 51.8872% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8769% | 2,362 |
| Loan loss allowance to noncurrent loans | 174.6074% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 1.9884% | 2,466 |
| Noncurrent loans to loans | 1.0749% | 4,054 |
| Net loans and leases to total assets | 62.1655% | 3,221 |
| Net loans and leases to deposits | 81.3421% | 2,100 |
| Net loans and leases to core deposits | 92.6271% | 1,584 |
| Total domestic deposits to total assets | 76.4248% | 6,301 |
| Equity capital to assets | 13.7448% | 1,134 |
| Core capital (leverage) ratio | 12.1522% | 1,478 |
| Tier 1 risk-based capital ratio | 16.6427% | 2,817 |
| Total risk-based capital ratio | 17.8983% | 2,790 |
| Memoranda: | ||
| Average total assets | $1,319,734,600 | 504 |
| Average earning assets | $1,202,632,800 | 497 |
| Average equity | $185,634,000 | 397 |
| Average total loans | $836,393,600 | 490 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7152% | 2,740 |
| Cost of funding earning assets | 0.4955% | 5,461 |
| Net interest margin | 4.2197% | 1,681 |
| Noninterest income to average assets | 0.3500% | 5,013 |
| Noninterest expense to average assets | 2.5500% | 4,920 |
| Loan and lease loss provision to assets | 0.1940% | 3,151 |
| Net operating income to assets | 0.9734% | 2,642 |
| Return on assets (ROA) | 0.9734% | 2,863 |
| Pretax return on assets | 1.4558% | 2,057 |
| Return on Equity (ROE) | 6.8790% | 3,871 |
| Retained earnings to average equity (ytd only) | 4.5343% | 3,705 |
| Net charge-offs to loans | 0.0899% | 4,478 |
| Credit loss provision to net charge-offs | 340.5018% | 784 |
| Earnings coverage of net charge-offs (x) | 28.9606% | 1,127 |
| Efficiency ratio | 60.7176% | 5,372 |
| Assets per employee ($millions) | 5.1965% | 1,932 |
| Cash dividends to net income (ytd only)* | 34.0850% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9457% | 2,340 |
| Loan loss allowance to noncurrent loans | 150.4574% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 2.2247% | 2,403 |
| Noncurrent loans to loans | 1.2932% | 3,879 |
| Net loans and leases to total assets | 60.7392% | 3,624 |
| Net loans and leases to deposits | 83.4617% | 1,931 |
| Net loans and leases to core deposits | 95.2433% | 1,464 |
| Total domestic deposits to total assets | 72.7750% | 6,694 |
| Equity capital to assets | 14.0026% | 1,156 |
| Core capital (leverage) ratio | 12.4086% | 1,444 |
| Tier 1 risk-based capital ratio | 17.1900% | 2,657 |
| Total risk-based capital ratio | 18.4462% | 2,607 |
| Memoranda: | ||
| Average total assets | $1,306,020,250 | 511 |
| Average earning assets | $1,191,529,750 | 506 |
| Average equity | $184,808,750 | 399 |
| Average total loans | $827,775,250 | 497 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7959% | 2,527 |
| Cost of funding earning assets | 0.5211% | 5,476 |
| Net interest margin | 4.2748% | 1,536 |
| Noninterest income to average assets | 0.3768% | 4,826 |
| Noninterest expense to average assets | 2.6011% | 4,776 |
| Loan and lease loss provision to assets | 0.2943% | 2,222 |
| Net operating income to assets | 0.9295% | 2,762 |
| Return on assets (ROA) | 0.9295% | 3,025 |
| Pretax return on assets | 1.3828% | 2,270 |
| Return on Equity (ROE) | 6.5449% | 4,028 |
| Retained earnings to average equity (ytd only) | 6.5449% | 2,361 |
| Net charge-offs to loans | 0.1613% | 3,636 |
| Credit loss provision to net charge-offs | 285.7143% | 1,023 |
| Earnings coverage of net charge-offs (x) | 16.2797% | 1,603 |
| Efficiency ratio | 60.7981% | 5,453 |
| Assets per employee ($millions) | 4.9272% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9564% | 2,354 |
| Loan loss allowance to noncurrent loans | 68.2691% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 2.3393% | 2,387 |
| Noncurrent loans to loans | 2.8658% | 2,092 |
| Net loans and leases to total assets | 61.8468% | 3,471 |
| Net loans and leases to deposits | 85.0798% | 1,713 |
| Net loans and leases to core deposits | 97.4344% | 1,311 |
| Total domestic deposits to total assets | 72.6927% | 6,766 |
| Equity capital to assets | 14.2706% | 992 |
| Core capital (leverage) ratio | 12.6364% | 1,299 |
| Tier 1 risk-based capital ratio | 17.5528% | 2,456 |
| Total risk-based capital ratio | 18.8095% | 2,418 |
| Memoranda: | ||
| Average total assets | $1,290,993,000 | 521 |
| Average earning assets | $1,178,247,330 | 513 |
| Average equity | $183,348,330 | 402 |
| Average total loans | $824,722,670 | 496 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8871% | 2,296 |
| Cost of funding earning assets | 0.5533% | 5,476 |
| Net interest margin | 4.3339% | 1,368 |
| Noninterest income to average assets | 0.3572% | 5,014 |
| Noninterest expense to average assets | 2.5961% | 4,832 |
| Loan and lease loss provision to assets | 0.4059% | 1,556 |
| Net operating income to assets | 0.8761% | 3,032 |
| Return on assets (ROA) | 0.8761% | 3,256 |
| Pretax return on assets | 1.3051% | 2,517 |
| Return on Equity (ROE) | 6.1839% | 4,193 |
| Retained earnings to average equity (ytd only) | 6.1839% | 2,847 |
| Net charge-offs to loans | 0.2001% | 2,920 |
| Credit loss provision to net charge-offs | 315.5340% | 945 |
| Earnings coverage of net charge-offs (x) | 13.3010% | 1,547 |
| Efficiency ratio | 60.2755% | 5,580 |
| Assets per employee ($millions) | 4.9452% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9175% | 2,628 |
| Loan loss allowance to noncurrent loans | 62.0016% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 2.7607% | 2,122 |
| Noncurrent loans to loans | 3.0927% | 2,072 |
| Net loans and leases to total assets | 62.7315% | 3,117 |
| Net loans and leases to deposits | 84.3062% | 1,628 |
| Net loans and leases to core deposits | 96.0794% | 1,292 |
| Total domestic deposits to total assets | 74.4091% | 6,710 |
| Equity capital to assets | 14.2089% | 947 |
| Core capital (leverage) ratio | 12.4846% | 1,348 |
| Tier 1 risk-based capital ratio | 17.2925% | 2,558 |
| Total risk-based capital ratio | 18.5489% | 2,528 |
| Memoranda: | ||
| Average total assets | $1,281,172,000 | 522 |
| Average earning assets | $1,167,643,000 | 515 |
| Average equity | $181,505,000 | 405 |
| Average total loans | $823,703,500 | 496 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3093% | 1,672 |
| Cost of funding earning assets | 0.7531% | 5,188 |
| Net interest margin | 4.5562% | 1,012 |
| Noninterest income to average assets | 0.1695% | 6,276 |
| Noninterest expense to average assets | 2.7402% | 4,588 |
| Loan and lease loss provision to assets | 1.0455% | 892 |
| Net operating income to assets | 0.4062% | 4,832 |
| Return on assets (ROA) | 0.4593% | 4,805 |
| Pretax return on assets | 0.6123% | 4,656 |
| Return on Equity (ROE) | 3.2179% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.2179% | 3,929 |
| Net charge-offs to loans | 1.7365% | 868 |
| Credit loss provision to net charge-offs | 88.7879% | 4,068 |
| Earnings coverage of net charge-offs (x) | 1.3477% | 4,760 |
| Efficiency ratio | 63.3253% | 5,244 |
| Assets per employee ($millions) | 4.8352% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8178% | 2,814 |
| Loan loss allowance to noncurrent loans | 56.1840% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 2.9562% | 2,034 |
| Noncurrent loans to loans | 3.2355% | 1,998 |
| Net loans and leases to total assets | 63.4581% | 3,299 |
| Net loans and leases to deposits | 82.7963% | 2,093 |
| Net loans and leases to core deposits | 92.2999% | 1,859 |
| Total domestic deposits to total assets | 76.6437% | 6,385 |
| Equity capital to assets | 14.1247% | 1,020 |
| Core capital (leverage) ratio | 12.5121% | 1,346 |
| Tier 1 risk-based capital ratio | 17.1502% | 2,534 |
| Total risk-based capital ratio | 18.4056% | 2,491 |
| Memoranda: | ||
| Average total assets | $1,233,858,000 | 531 |
| Average earning assets | $1,125,916,800 | 522 |
| Average equity | $176,111,200 | 402 |
| Average total loans | $836,706,800 | 496 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3472% | 1,685 |
| Cost of funding earning assets | 0.8070% | 5,104 |
| Net interest margin | 4.5401% | 1,063 |
| Noninterest income to average assets | 0.2004% | 6,167 |
| Noninterest expense to average assets | 2.7359% | 4,593 |
| Loan and lease loss provision to assets | 0.6425% | 1,530 |
| Net operating income to assets | 0.6422% | 3,910 |
| Return on assets (ROA) | 0.7015% | 3,780 |
| Pretax return on assets | 1.0591% | 3,171 |
| Return on Equity (ROE) | 4.9015% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.9015% | 3,241 |
| Net charge-offs to loans | 1.1394% | 1,387 |
| Credit loss provision to net charge-offs | 82.1498% | 4,069 |
| Earnings coverage of net charge-offs (x) | 2.0608% | 4,113 |
| Efficiency ratio | 62.9289% | 5,252 |
| Assets per employee ($millions) | 4.5385% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8443% | 2,792 |
| Loan loss allowance to noncurrent loans | 45.3405% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 3.6228% | 1,734 |
| Noncurrent loans to loans | 4.0676% | 1,631 |
| Net loans and leases to total assets | 64.9512% | 3,119 |
| Net loans and leases to deposits | 84.6088% | 1,901 |
| Net loans and leases to core deposits | 93.3738% | 1,843 |
| Total domestic deposits to total assets | 76.7665% | 6,412 |
| Equity capital to assets | 14.4364% | 1,014 |
| Core capital (leverage) ratio | 12.7894% | 1,308 |
| Tier 1 risk-based capital ratio | 17.0926% | 2,608 |
| Total risk-based capital ratio | 18.3481% | 2,566 |
| Memoranda: | ||
| Average total assets | $1,224,408,250 | 542 |
| Average earning assets | $1,118,471,500 | 530 |
| Average equity | $175,234,500 | 411 |
| Average total loans | $840,405,750 | 501 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3982% | 1,567 |
| Cost of funding earning assets | 0.8451% | 5,100 |
| Net interest margin | 4.5531% | 1,005 |
| Noninterest income to average assets | 0.1817% | 6,358 |
| Noninterest expense to average assets | 2.7877% | 4,479 |
| Loan and lease loss provision to assets | 0.6831% | 1,401 |
| Net operating income to assets | 0.5689% | 4,215 |
| Return on assets (ROA) | 0.6194% | 4,090 |
| Pretax return on assets | 0.9328% | 3,495 |
| Return on Equity (ROE) | 4.3411% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.3411% | 3,431 |
| Net charge-offs to loans | 1.2781% | 1,214 |
| Credit loss provision to net charge-offs | 76.9231% | 3,858 |
| Earnings coverage of net charge-offs (x) | 1.7335% | 4,002 |
| Efficiency ratio | 64.4235% | 5,162 |
| Assets per employee ($millions) | 4.5536% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8442% | 2,843 |
| Loan loss allowance to noncurrent loans | 34.1778% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 4.6484% | 1,345 |
| Noncurrent loans to loans | 5.3960% | 1,178 |
| Net loans and leases to total assets | 66.3411% | 2,960 |
| Net loans and leases to deposits | 83.8249% | 2,134 |
| Net loans and leases to core deposits | 93.1486% | 2,001 |
| Total domestic deposits to total assets | 79.1425% | 6,052 |
| Equity capital to assets | 14.3599% | 981 |
| Core capital (leverage) ratio | 12.7525% | 1,270 |
| Tier 1 risk-based capital ratio | 16.4516% | 2,768 |
| Total risk-based capital ratio | 17.7069% | 2,728 |
| Memoranda: | ||
| Average total assets | $1,214,998,000 | 550 |
| Average earning assets | $1,106,182,670 | 541 |
| Average equity | $173,367,330 | 418 |
| Average total loans | $844,244,000 | 508 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4803% | 1,355 |
| Cost of funding earning assets | 0.8852% | 5,027 |
| Net interest margin | 4.5951% | 868 |
| Noninterest income to average assets | 0.1050% | 6,885 |
| Noninterest expense to average assets | 2.7890% | 4,495 |
| Loan and lease loss provision to assets | 0.7121% | 1,191 |
| Net operating income to assets | 0.5053% | 4,469 |
| Return on assets (ROA) | 0.5034% | 4,559 |
| Pretax return on assets | 0.7770% | 3,980 |
| Return on Equity (ROE) | 3.5395% | 5,128 |
| Retained earnings to average equity (ytd only) | 3.5395% | 4,067 |
| Net charge-offs to loans | 1.6421% | 816 |
| Credit loss provision to net charge-offs | 61.5517% | 3,522 |
| Earnings coverage of net charge-offs (x) | 1.2897% | 3,702 |
| Efficiency ratio | 65.1478% | 5,177 |
| Assets per employee ($millions) | 4.6649% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8070% | 2,991 |
| Loan loss allowance to noncurrent loans | 48.8813% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 3.7299% | 1,812 |
| Noncurrent loans to loans | 3.6967% | 1,996 |
| Net loans and leases to total assets | 68.7502% | 2,394 |
| Net loans and leases to deposits | 88.3094% | 1,429 |
| Net loans and leases to core deposits | 96.7244% | 1,617 |
| Total domestic deposits to total assets | 77.8515% | 6,397 |
| Equity capital to assets | 14.3444% | 922 |
| Core capital (leverage) ratio | 12.6527% | 1,267 |
| Tier 1 risk-based capital ratio | 15.9567% | 2,921 |
| Total risk-based capital ratio | 17.2115% | 2,890 |
| Memoranda: | ||
| Average total assets | $1,207,766,000 | 555 |
| Average earning assets | $1,097,604,500 | 548 |
| Average equity | $171,776,500 | 418 |
| Average total loans | $850,884,000 | 514 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8209% | 1,223 |
| Cost of funding earning assets | 1.0704% | 5,308 |
| Net interest margin | 4.7505% | 731 |
| Noninterest income to average assets | 0.3295% | 5,433 |
| Noninterest expense to average assets | 2.6682% | 5,135 |
| Loan and lease loss provision to assets | 1.2563% | 1,237 |
| Net operating income to assets | 0.5068% | 4,064 |
| Return on assets (ROA) | 0.4963% | 4,271 |
| Pretax return on assets | 0.7244% | 3,888 |
| Return on Equity (ROE) | 3.5291% | 4,738 |
| Retained earnings to average equity (ytd only) | 3.5291% | 3,387 |
| Net charge-offs to loans | 1.3043% | 1,708 |
| Credit loss provision to net charge-offs | 127.1510% | 3,175 |
| Earnings coverage of net charge-offs (x) | 2.0201% | 4,219 |
| Efficiency ratio | 57.2078% | 6,432 |
| Assets per employee ($millions) | 4.6083% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9288% | 2,472 |
| Loan loss allowance to noncurrent loans | 50.1726% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 3.9042% | 1,745 |
| Noncurrent loans to loans | 3.8442% | 1,913 |
| Net loans and leases to total assets | 69.5165% | 2,653 |
| Net loans and leases to deposits | 86.7788% | 1,968 |
| Net loans and leases to core deposits | 95.9977% | 2,016 |
| Total domestic deposits to total assets | 80.1077% | 5,806 |
| Equity capital to assets | 14.1018% | 1,004 |
| Core capital (leverage) ratio | 12.5831% | 1,277 |
| Tier 1 risk-based capital ratio | 14.9235% | 3,292 |
| Total risk-based capital ratio | 16.1553% | 3,258 |
| Memoranda: | ||
| Average total assets | $1,194,017,600 | 561 |
| Average earning assets | $1,089,484,400 | 552 |
| Average equity | $167,917,000 | 413 |
| Average total loans | $904,437,000 | 498 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8804% | 1,182 |
| Cost of funding earning assets | 1.0905% | 5,482 |
| Net interest margin | 4.7899% | 689 |
| Noninterest income to average assets | 0.2875% | 5,819 |
| Noninterest expense to average assets | 2.6105% | 5,278 |
| Loan and lease loss provision to assets | 1.3170% | 1,054 |
| Net operating income to assets | 0.5211% | 4,215 |
| Return on assets (ROA) | 0.5069% | 4,474 |
| Pretax return on assets | 0.7195% | 4,176 |
| Return on Equity (ROE) | 3.6067% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.6067% | 3,908 |
| Net charge-offs to loans | 1.0698% | 1,898 |
| Credit loss provision to net charge-offs | 159.9075% | 2,370 |
| Earnings coverage of net charge-offs (x) | 2.4973% | 3,922 |
| Efficiency ratio | 55.9318% | 6,565 |
| Assets per employee ($millions) | 4.6905% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0093% | 2,193 |
| Loan loss allowance to noncurrent loans | 41.0010% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 4.9320% | 1,315 |
| Noncurrent loans to loans | 4.9005% | 1,433 |
| Net loans and leases to total assets | 72.7365% | 2,066 |
| Net loans and leases to deposits | 92.5407% | 1,379 |
| Net loans and leases to core deposits | 103.7961% | 1,505 |
| Total domestic deposits to total assets | 78.5994% | 6,118 |
| Equity capital to assets | 14.3527% | 1,061 |
| Core capital (leverage) ratio | 12.5871% | 1,374 |
| Tier 1 risk-based capital ratio | 14.8737% | 3,318 |
| Total risk-based capital ratio | 16.1230% | 3,296 |
| Memoranda: | ||
| Average total assets | $1,189,524,500 | 557 |
| Average earning assets | $1,087,679,000 | 550 |
| Average equity | $167,168,250 | 408 |
| Average total loans | $915,770,500 | 489 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8944% | 1,202 |
| Cost of funding earning assets | 1.0871% | 5,749 |
| Net interest margin | 4.8074% | 654 |
| Noninterest income to average assets | 0.3721% | 5,162 |
| Noninterest expense to average assets | 2.6917% | 4,941 |
| Loan and lease loss provision to assets | 1.3458% | 1,004 |
| Net operating income to assets | 0.5576% | 4,042 |
| Return on assets (ROA) | 0.5348% | 4,324 |
| Pretax return on assets | 0.7097% | 4,200 |
| Return on Equity (ROE) | 3.8326% | 4,858 |
| Retained earnings to average equity (ytd only) | 3.8326% | 3,650 |
| Net charge-offs to loans | 0.7585% | 2,343 |
| Credit loss provision to net charge-offs | 227.7256% | 1,700 |
| Earnings coverage of net charge-offs (x) | 3.5297% | 3,290 |
| Efficiency ratio | 56.3396% | 6,597 |
| Assets per employee ($millions) | 4.5270% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9733% | 2,248 |
| Loan loss allowance to noncurrent loans | 44.7558% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 4.2092% | 1,602 |
| Noncurrent loans to loans | 4.4090% | 1,658 |
| Net loans and leases to total assets | 75.3535% | 1,617 |
| Net loans and leases to deposits | 96.2135% | 1,026 |
| Net loans and leases to core deposits | 107.7333% | 1,319 |
| Total domestic deposits to total assets | 78.3190% | 6,196 |
| Equity capital to assets | 14.3507% | 1,050 |
| Core capital (leverage) ratio | 12.3818% | 1,457 |
| Tier 1 risk-based capital ratio | 14.7509% | 3,293 |
| Total risk-based capital ratio | 16.0083% | 3,262 |
| Memoranda: | ||
| Average total assets | $1,188,900,000 | 561 |
| Average earning assets | $1,089,535,330 | 550 |
| Average equity | $165,891,670 | 412 |
| Average total loans | $926,244,000 | 483 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9154% | 1,171 |
| Cost of funding earning assets | 1.0866% | 5,970 |
| Net interest margin | 4.8288% | 603 |
| Noninterest income to average assets | 0.3488% | 5,352 |
| Noninterest expense to average assets | 2.7294% | 4,766 |
| Loan and lease loss provision to assets | 1.4228% | 835 |
| Net operating income to assets | 0.4302% | 4,710 |
| Return on assets (ROA) | 0.4302% | 4,844 |
| Pretax return on assets | 0.6270% | 4,500 |
| Return on Equity (ROE) | 3.1269% | 5,282 |
| Retained earnings to average equity (ytd only) | 2.9614% | 4,350 |
| Net charge-offs to loans | 1.1783% | 1,441 |
| Credit loss provision to net charge-offs | 153.9855% | 2,324 |
| Earnings coverage of net charge-offs (x) | 2.2185% | 3,433 |
| Efficiency ratio | 57.1098% | 6,617 |
| Assets per employee ($millions) | 4.6664% | 2,692 |
| Cash dividends to net income (ytd only)* | 5.2918% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 3,441 |
| Loan loss allowance to noncurrent loans | 28.9103% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 4.6456% | 1,435 |
| Noncurrent loans to loans | 5.5364% | 1,257 |
| Net loans and leases to total assets | 76.7578% | 1,377 |
| Net loans and leases to deposits | 104.4140% | 505 |
| Net loans and leases to core deposits | 120.2785% | 774 |
| Total domestic deposits to total assets | 73.5129% | 7,103 |
| Equity capital to assets | 13.9169% | 1,168 |
| Core capital (leverage) ratio | 12.1698% | 1,560 |
| Tier 1 risk-based capital ratio | 13.9717% | 3,669 |
| Total risk-based capital ratio | 15.2246% | 3,631 |
| Memoranda: | ||
| Average total assets | $1,194,841,000 | 573 |
| Average earning assets | $1,096,261,000 | 563 |
| Average equity | $164,382,500 | 419 |
| Average total loans | $936,977,000 | 499 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4053% | 818 |
| Cost of funding earning assets | 1.1807% | 6,728 |
| Net interest margin | 5.2246% | 276 |
| Noninterest income to average assets | 0.3856% | 5,328 |
| Noninterest expense to average assets | 2.7048% | 5,367 |
| Loan and lease loss provision to assets | 3.1631% | 528 |
| Net operating income to assets | -0.3521% | 6,031 |
| Return on assets (ROA) | -0.3521% | 6,020 |
| Pretax return on assets | -0.6894% | 6,177 |
| Return on Equity (ROE) | -2.9549% | 5,978 |
| Retained earnings to average equity (ytd only) | -5.0935% | 6,034 |
| Net charge-offs to loans | 3.5055% | 551 |
| Credit loss provision to net charge-offs | 107.1014% | 5,177 |
| Earnings coverage of net charge-offs (x) | 0.8376% | 5,268 |
| Efficiency ratio | 52.2312% | 7,369 |
| Assets per employee ($millions) | 4.7234% | 2,585 |
| Cash dividends to net income (ytd only)* | -72.3733% | 7,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 4,159 |
| Loan loss allowance to noncurrent loans | 40.7630% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 3.0853% | 2,249 |
| Noncurrent loans to loans | 3.4674% | 2,193 |
| Net loans and leases to total assets | 77.7132% | 1,443 |
| Net loans and leases to deposits | 110.9706% | 349 |
| Net loans and leases to core deposits | 120.7363% | 1,900 |
| Total domestic deposits to total assets | 70.0304% | 7,424 |
| Equity capital to assets | 13.5997% | 1,278 |
| Core capital (leverage) ratio | 12.2374% | 1,558 |
| Tier 1 risk-based capital ratio | 13.3855% | 3,896 |
| Total risk-based capital ratio | 14.6366% | 3,831 |
| Memoranda: | ||
| Average total assets | $1,138,117,400 | 584 |
| Average earning assets | $1,044,077,000 | 579 |
| Average equity | $135,603,200 | 496 |
| Average total loans | $958,867,200 | 497 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4457% | 846 |
| Cost of funding earning assets | 1.1858% | 6,931 |
| Net interest margin | 5.2599% | 277 |
| Noninterest income to average assets | 0.3933% | 5,353 |
| Noninterest expense to average assets | 2.7841% | 4,957 |
| Loan and lease loss provision to assets | 3.4440% | 389 |
| Net operating income to assets | -0.5073% | 6,431 |
| Return on assets (ROA) | -0.5073% | 6,434 |
| Pretax return on assets | -1.0091% | 6,693 |
| Return on Equity (ROE) | -4.4252% | 6,391 |
| Retained earnings to average equity (ytd only) | -7.3277% | 6,538 |
| Net charge-offs to loans | 2.9975% | 559 |
| Credit loss provision to net charge-offs | 134.0668% | 3,716 |
| Earnings coverage of net charge-offs (x) | 0.9479% | 5,109 |
| Efficiency ratio | 53.3461% | 7,303 |
| Assets per employee ($millions) | 4.4269% | 2,982 |
| Cash dividends to net income (ytd only)* | -65.5899% | 7,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9109% | 2,005 |
| Loan loss allowance to noncurrent loans | 70.3177% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 2.6360% | 2,638 |
| Noncurrent loans to loans | 2.7175% | 2,784 |
| Net loans and leases to total assets | 81.8280% | 837 |
| Net loans and leases to deposits | 113.7190% | 340 |
| Net loans and leases to core deposits | 124.3755% | 1,867 |
| Total domestic deposits to total assets | 71.9563% | 7,218 |
| Equity capital to assets | 11.1334% | 2,895 |
| Core capital (leverage) ratio | 9.5750% | 3,814 |
| Tier 1 risk-based capital ratio | 10.5366% | 6,432 |
| Total risk-based capital ratio | 11.7880% | 6,388 |
| Memoranda: | ||
| Average total assets | $1,122,709,250 | 604 |
| Average earning assets | $1,030,032,750 | 592 |
| Average equity | $128,713,250 | 529 |
| Average total loans | $962,151,250 | 511 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4290% | 947 |
| Cost of funding earning assets | 1.1802% | 7,163 |
| Net interest margin | 5.2488% | 269 |
| Noninterest income to average assets | 0.3963% | 5,326 |
| Noninterest expense to average assets | 2.9739% | 4,190 |
| Loan and lease loss provision to assets | 3.7187% | 360 |
| Net operating income to assets | -0.8621% | 6,875 |
| Return on assets (ROA) | -0.8621% | 6,883 |
| Pretax return on assets | -1.4835% | 7,081 |
| Return on Equity (ROE) | -7.4459% | 6,847 |
| Retained earnings to average equity (ytd only) | -10.6840% | 6,942 |
| Net charge-offs to loans | 2.7004% | 625 |
| Credit loss provision to net charge-offs | 159.2308% | 2,885 |
| Earnings coverage of net charge-offs (x) | 0.9571% | 4,812 |
| Efficiency ratio | 57.0906% | 6,976 |
| Assets per employee ($millions) | 4.2990% | 3,120 |
| Cash dividends to net income (ytd only)* | -43.4882% | 7,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9352% | 1,707 |
| Loan loss allowance to noncurrent loans | 62.6026% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 2.8743% | 2,227 |
| Noncurrent loans to loans | 3.0912% | 2,322 |
| Net loans and leases to total assets | 83.7241% | 679 |
| Net loans and leases to deposits | 118.8659% | 259 |
| Net loans and leases to core deposits | 129.5868% | 1,603 |
| Total domestic deposits to total assets | 70.4358% | 7,425 |
| Equity capital to assets | 11.2467% | 2,720 |
| Core capital (leverage) ratio | 9.5944% | 3,769 |
| Tier 1 risk-based capital ratio | 10.4484% | 6,431 |
| Total risk-based capital ratio | 11.7061% | 6,366 |
| Memoranda: | ||
| Average total assets | $1,113,278,670 | 621 |
| Average earning assets | $1,020,813,000 | 611 |
| Average equity | $128,902,670 | 536 |
| Average total loans | $962,805,330 | 527 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4078% | 1,051 |
| Cost of funding earning assets | 1.1752% | 7,352 |
| Net interest margin | 5.2326% | 267 |
| Noninterest income to average assets | 0.3672% | 5,492 |
| Noninterest expense to average assets | 2.8901% | 4,188 |
| Loan and lease loss provision to assets | 0.5432% | 2,298 |
| Net operating income to assets | 1.1353% | 1,851 |
| Return on assets (ROA) | 1.1353% | 1,966 |
| Pretax return on assets | 1.7418% | 1,097 |
| Return on Equity (ROE) | 9.6629% | 2,465 |
| Retained earnings to average equity (ytd only) | 7.4529% | 2,042 |
| Net charge-offs to loans | 0.5333% | 2,118 |
| Credit loss provision to net charge-offs | 117.0047% | 3,337 |
| Earnings coverage of net charge-offs (x) | 4.9220% | 2,791 |
| Efficiency ratio | 55.8463% | 6,989 |
| Assets per employee ($millions) | 4.3141% | 3,048 |
| Cash dividends to net income (ytd only)* | 22.8708% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 5,055 |
| Loan loss allowance to noncurrent loans | 86.7793% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.4787% | 3,716 |
| Noncurrent loans to loans | 1.3363% | 4,310 |
| Net loans and leases to total assets | 85.4181% | 509 |
| Net loans and leases to deposits | 129.7019% | 149 |
| Net loans and leases to core deposits | 139.3548% | 1,134 |
| Total domestic deposits to total assets | 65.8572% | 7,742 |
| Equity capital to assets | 12.1607% | 2,163 |
| Core capital (leverage) ratio | 10.6472% | 2,790 |
| Tier 1 risk-based capital ratio | 11.1313% | 5,785 |
| Total risk-based capital ratio | 12.2396% | 5,813 |
| Memoranda: | ||
| Average total assets | $1,104,599,500 | 623 |
| Average earning assets | $1,014,952,000 | 615 |
| Average equity | $129,774,500 | 533 |
| Average total loans | $961,560,000 | 533 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0256% | 1,061 |
| Cost of funding earning assets | 1.7233% | 7,209 |
| Net interest margin | 5.3023% | 282 |
| Noninterest income to average assets | 0.4139% | 5,355 |
| Noninterest expense to average assets | 2.8543% | 4,585 |
| Loan and lease loss provision to assets | 0.3508% | 3,584 |
| Net operating income to assets | 1.3337% | 1,386 |
| Return on assets (ROA) | 1.3337% | 1,343 |
| Pretax return on assets | 2.0586% | 524 |
| Return on Equity (ROE) | 11.4820% | 1,757 |
| Retained earnings to average equity (ytd only) | 7.8530% | 887 |
| Net charge-offs to loans | 0.1448% | 4,764 |
| Credit loss provision to net charge-offs | 277.9923% | 1,643 |
| Earnings coverage of net charge-offs (x) | 19.0934% | 1,658 |
| Efficiency ratio | 54.2264% | 7,245 |
| Assets per employee ($millions) | 4.2817% | 2,986 |
| Cash dividends to net income (ytd only)* | 31.6066% | 4,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 4,948 |
| Loan loss allowance to noncurrent loans | 260.3747% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.7349% | 5,016 |
| Noncurrent loans to loans | 0.4404% | 6,035 |
| Net loans and leases to total assets | 86.6899% | 511 |
| Net loans and leases to deposits | 130.5993% | 206 |
| Net loans and leases to core deposits | 143.6348% | 1,105 |
| Total domestic deposits to total assets | 66.3785% | 7,632 |
| Equity capital to assets | 11.3267% | 2,776 |
| Core capital (leverage) ratio | 9.6841% | 3,784 |
| Tier 1 risk-based capital ratio | 10.0203% | 6,712 |
| Total risk-based capital ratio | 11.1137% | 6,771 |
| Memoranda: | ||
| Average total assets | $1,026,230,800 | 646 |
| Average earning assets | $938,651,600 | 639 |
| Average equity | $119,203,600 | 571 |
| Average total loans | $894,116,200 | 549 |