Home > Georgia Bank & Trust Company of Augusta > Performance and Condition Ratios
Georgia Bank & Trust Company of Augusta, Performance and Condition Ratios
| 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 | 3.6258% | 4,445 |
| Cost of funding earning assets | 0.4117% | 2,891 |
| Net interest margin | 3.2140% | 4,402 |
| Noninterest income to average assets | 1.1246% | 906 |
| Noninterest expense to average assets | 2.4623% | 4,122 |
| Loan and lease loss provision to assets | 0.0465% | 3,461 |
| Net operating income to assets | 1.0966% | 1,914 |
| Return on assets (ROA) | 1.1122% | 1,946 |
| Pretax return on assets | 1.6503% | 1,132 |
| Return on Equity (ROE) | 10.9773% | 1,586 |
| Retained earnings to average equity (ytd only) | 6.2080% | 1,606 |
| Net charge-offs to loans | 0.2053% | 1,357 |
| Credit loss provision to net charge-offs | 40.1203% | 3,490 |
| Earnings coverage of net charge-offs (x) | 14.4248% | 2,293 |
| Efficiency ratio | 59.5249% | 4,660 |
| Assets per employee ($millions) | 5.7958% | 1,623 |
| Cash dividends to net income (ytd only)* | 43.4468% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 897 |
| Loan loss allowance to noncurrent loans | 166.5809% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.6874% | 2,648 |
| Noncurrent loans to loans | 1.0997% | 1,890 |
| Net loans and leases to total assets | 58.5495% | 4,018 |
| Net loans and leases to deposits | 69.9075% | 3,911 |
| Net loans and leases to core deposits | 77.7323% | 3,588 |
| Total domestic deposits to total assets | 83.7528% | 3,520 |
| Equity capital to assets | 10.2418% | 3,455 |
| Core capital (leverage) ratio | 10.2904% | 3,120 |
| Tier 1 risk-based capital ratio | 14.7353% | 3,080 |
| Total risk-based capital ratio | 15.9890% | 3,021 |
| Memoranda: | ||
| Average total assets | $1,862,588,000 | 417 |
| Average earning assets | $1,745,122,000 | 408 |
| Average equity | $188,707,600 | 446 |
| Average total loans | $1,052,357,400 | 484 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6138% | 4,513 |
| Cost of funding earning assets | 0.4139% | 2,894 |
| Net interest margin | 3.1999% | 4,491 |
| Noninterest income to average assets | 1.1428% | 882 |
| Noninterest expense to average assets | 2.4895% | 4,016 |
| Loan and lease loss provision to assets | 0.0400% | 3,441 |
| Net operating income to assets | 1.0958% | 2,018 |
| Return on assets (ROA) | 1.1158% | 2,038 |
| Pretax return on assets | 1.6470% | 1,258 |
| Return on Equity (ROE) | 11.0432% | 1,653 |
| Retained earnings to average equity (ytd only) | 6.2774% | 2,020 |
| Net charge-offs to loans | 0.0717% | 2,291 |
| Credit loss provision to net charge-offs | 100.1786% | 2,349 |
| Earnings coverage of net charge-offs (x) | 41.4892% | 1,207 |
| Efficiency ratio | 60.0206% | 4,536 |
| Assets per employee ($millions) | 5.7912% | 1,586 |
| Cash dividends to net income (ytd only)* | 43.1558% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0372% | 684 |
| Loan loss allowance to noncurrent loans | 131.2531% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.8851% | 2,344 |
| Noncurrent loans to loans | 1.5521% | 1,397 |
| Net loans and leases to total assets | 54.9319% | 4,410 |
| Net loans and leases to deposits | 65.6065% | 4,378 |
| Net loans and leases to core deposits | 74.6209% | 3,956 |
| Total domestic deposits to total assets | 83.7294% | 3,306 |
| Equity capital to assets | 10.4115% | 3,663 |
| Core capital (leverage) ratio | 10.1140% | 3,425 |
| Tier 1 risk-based capital ratio | 14.5674% | 3,256 |
| Total risk-based capital ratio | 15.8223% | 3,187 |
| Memoranda: | ||
| Average total assets | $1,868,918,750 | 417 |
| Average earning assets | $1,754,654,000 | 405 |
| Average equity | $188,842,250 | 450 |
| Average total loans | $1,041,501,250 | 489 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6215% | 4,530 |
| Cost of funding earning assets | 0.4171% | 2,866 |
| Net interest margin | 3.2044% | 4,527 |
| Noninterest income to average assets | 1.1357% | 870 |
| Noninterest expense to average assets | 2.4982% | 4,032 |
| Loan and lease loss provision to assets | 0.0501% | 3,148 |
| Net operating income to assets | 1.0751% | 2,067 |
| Return on assets (ROA) | 1.1016% | 2,075 |
| Pretax return on assets | 1.6351% | 1,269 |
| Return on Equity (ROE) | 11.0140% | 1,636 |
| Retained earnings to average equity (ytd only) | 6.1978% | 2,016 |
| Net charge-offs to loans | 0.0835% | 2,011 |
| Credit loss provision to net charge-offs | 107.8341% | 1,995 |
| Earnings coverage of net charge-offs (x) | 35.4240% | 1,253 |
| Efficiency ratio | 60.2759% | 4,611 |
| Assets per employee ($millions) | 5.3123% | 1,970 |
| Cash dividends to net income (ytd only)* | 43.7275% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0562% | 667 |
| Loan loss allowance to noncurrent loans | 172.5748% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.6749% | 2,978 |
| Noncurrent loans to loans | 1.1915% | 1,929 |
| Net loans and leases to total assets | 53.7506% | 4,533 |
| Net loans and leases to deposits | 63.9748% | 4,491 |
| Net loans and leases to core deposits | 74.2297% | 3,965 |
| Total domestic deposits to total assets | 84.0184% | 3,260 |
| Equity capital to assets | 10.2191% | 3,951 |
| Core capital (leverage) ratio | 9.9034% | 3,676 |
| Tier 1 risk-based capital ratio | 14.2727% | 3,455 |
| Total risk-based capital ratio | 15.5276% | 3,371 |
| Memoranda: | ||
| Average total assets | $1,868,372,000 | 415 |
| Average earning assets | $1,753,960,000 | 405 |
| Average equity | $186,871,670 | 454 |
| Average total loans | $1,039,034,670 | 490 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6495% | 4,475 |
| Cost of funding earning assets | 0.4193% | 2,865 |
| Net interest margin | 3.2302% | 4,469 |
| Noninterest income to average assets | 1.0514% | 981 |
| Noninterest expense to average assets | 2.4954% | 4,084 |
| Loan and lease loss provision to assets | 0.0923% | 2,141 |
| Net operating income to assets | 1.0161% | 2,209 |
| Return on assets (ROA) | 1.0507% | 2,193 |
| Pretax return on assets | 1.5510% | 1,433 |
| Return on Equity (ROE) | 10.6235% | 1,736 |
| Retained earnings to average equity (ytd only) | 5.7163% | 2,520 |
| Net charge-offs to loans | 0.0952% | 1,563 |
| Credit loss provision to net charge-offs | 173.2794% | 1,182 |
| Earnings coverage of net charge-offs (x) | 29.8866% | 1,186 |
| Efficiency ratio | 61.0343% | 4,595 |
| Assets per employee ($millions) | 5.4263% | 1,899 |
| Cash dividends to net income (ytd only)* | 46.1917% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0551% | 745 |
| Loan loss allowance to noncurrent loans | 181.3042% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.6699% | 3,047 |
| Noncurrent loans to loans | 1.1335% | 2,132 |
| Net loans and leases to total assets | 54.8581% | 4,369 |
| Net loans and leases to deposits | 65.1254% | 4,327 |
| Net loans and leases to core deposits | 76.5986% | 3,624 |
| Total domestic deposits to total assets | 84.2346% | 3,434 |
| Equity capital to assets | 9.9962% | 4,090 |
| Core capital (leverage) ratio | 9.9745% | 3,562 |
| Tier 1 risk-based capital ratio | 14.2984% | 3,497 |
| Total risk-based capital ratio | 15.5538% | 3,424 |
| Memoranda: | ||
| Average total assets | $1,854,304,500 | 413 |
| Average earning assets | $1,743,035,500 | 406 |
| Average equity | $183,405,000 | 457 |
| Average total loans | $1,038,160,000 | 485 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7133% | 4,332 |
| Cost of funding earning assets | 0.4452% | 2,679 |
| Net interest margin | 3.2682% | 4,411 |
| Noninterest income to average assets | 1.1021% | 967 |
| Noninterest expense to average assets | 2.5392% | 4,107 |
| Loan and lease loss provision to assets | -0.0908% | 5,840 |
| Net operating income to assets | 1.1696% | 1,672 |
| Return on assets (ROA) | 1.1301% | 1,865 |
| Pretax return on assets | 1.6702% | 1,063 |
| Return on Equity (ROE) | 11.5597% | 1,421 |
| Retained earnings to average equity (ytd only) | 6.8838% | 1,330 |
| Net charge-offs to loans | 0.2530% | 1,189 |
| Credit loss provision to net charge-offs | -64.8089% | 5,079 |
| Earnings coverage of net charge-offs (x) | 11.6943% | 2,541 |
| Efficiency ratio | 60.7341% | 4,795 |
| Assets per employee ($millions) | 5.3079% | 2,001 |
| Cash dividends to net income (ytd only)* | 40.4499% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0789% | 707 |
| Loan loss allowance to noncurrent loans | 150.7798% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.7912% | 2,692 |
| Noncurrent loans to loans | 1.3788% | 1,702 |
| Net loans and leases to total assets | 54.8000% | 4,418 |
| Net loans and leases to deposits | 65.4560% | 4,356 |
| Net loans and leases to core deposits | 76.5802% | 3,706 |
| Total domestic deposits to total assets | 83.7203% | 3,583 |
| Equity capital to assets | 9.7833% | 4,207 |
| Core capital (leverage) ratio | 9.7407% | 3,845 |
| Tier 1 risk-based capital ratio | 14.0931% | 3,660 |
| Total risk-based capital ratio | 15.3484% | 3,577 |
| Memoranda: | ||
| Average total assets | $1,793,852,200 | 404 |
| Average earning assets | $1,687,641,400 | 397 |
| Average equity | $175,368,000 | 457 |
| Average total loans | $992,970,800 | 484 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7242% | 4,349 |
| Cost of funding earning assets | 0.4496% | 2,688 |
| Net interest margin | 3.2746% | 4,447 |
| Noninterest income to average assets | 1.1294% | 942 |
| Noninterest expense to average assets | 2.5814% | 3,940 |
| Loan and lease loss provision to assets | -0.1504% | 6,060 |
| Net operating income to assets | 1.2029% | 1,640 |
| Return on assets (ROA) | 1.1518% | 1,890 |
| Pretax return on assets | 1.7053% | 1,089 |
| Return on Equity (ROE) | 11.7838% | 1,436 |
| Retained earnings to average equity (ytd only) | 7.4617% | 1,471 |
| Net charge-offs to loans | 0.1783% | 1,407 |
| Credit loss provision to net charge-offs | -152.8116% | 5,115 |
| Earnings coverage of net charge-offs (x) | 16.5661% | 2,108 |
| Efficiency ratio | 61.2357% | 4,682 |
| Assets per employee ($millions) | 5.3323% | 1,928 |
| Cash dividends to net income (ytd only)* | 36.6788% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2297% | 634 |
| Loan loss allowance to noncurrent loans | 216.9405% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5838% | 3,535 |
| Noncurrent loans to loans | 1.0278% | 2,424 |
| Net loans and leases to total assets | 53.6452% | 4,600 |
| Net loans and leases to deposits | 62.8593% | 4,655 |
| Net loans and leases to core deposits | 74.2697% | 3,991 |
| Total domestic deposits to total assets | 85.3417% | 2,853 |
| Equity capital to assets | 9.9523% | 4,217 |
| Core capital (leverage) ratio | 9.7975% | 3,903 |
| Tier 1 risk-based capital ratio | 14.4672% | 3,593 |
| Total risk-based capital ratio | 15.7242% | 3,498 |
| Memoranda: | ||
| Average total assets | $1,783,177,750 | 410 |
| Average earning assets | $1,678,328,500 | 402 |
| Average equity | $174,291,250 | 461 |
| Average total loans | $984,264,500 | 485 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7480% | 4,244 |
| Cost of funding earning assets | 0.4586% | 2,623 |
| Net interest margin | 3.2893% | 4,338 |
| Noninterest income to average assets | 1.0895% | 1,012 |
| Noninterest expense to average assets | 2.6053% | 3,889 |
| Loan and lease loss provision to assets | -0.2417% | 6,204 |
| Net operating income to assets | 1.2281% | 1,522 |
| Return on assets (ROA) | 1.1646% | 1,796 |
| Pretax return on assets | 1.7277% | 1,026 |
| Return on Equity (ROE) | 11.9899% | 1,375 |
| Retained earnings to average equity (ytd only) | 7.8098% | 1,343 |
| Net charge-offs to loans | -0.0016% | 4,575 |
| Credit loss provision to net charge-offs | 26,787.5000% | 13 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1787% | 4,651 |
| Assets per employee ($millions) | 4.9351% | 2,355 |
| Cash dividends to net income (ytd only)* | 34.8635% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4120% | 540 |
| Loan loss allowance to noncurrent loans | 286.4567% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.5069% | 3,922 |
| Noncurrent loans to loans | 0.8420% | 3,017 |
| Net loans and leases to total assets | 52.7862% | 4,678 |
| Net loans and leases to deposits | 61.3805% | 4,745 |
| Net loans and leases to core deposits | 72.8770% | 4,051 |
| Total domestic deposits to total assets | 85.9984% | 2,693 |
| Equity capital to assets | 9.7097% | 4,387 |
| Core capital (leverage) ratio | 9.7739% | 3,905 |
| Tier 1 risk-based capital ratio | 14.5669% | 3,598 |
| Total risk-based capital ratio | 15.8256% | 3,521 |
| Memoranda: | ||
| Average total assets | $1,773,246,330 | 413 |
| Average earning assets | $1,669,281,000 | 403 |
| Average equity | $172,244,330 | 469 |
| Average total loans | $980,768,330 | 485 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6680% | 4,476 |
| Cost of funding earning assets | 0.4637% | 2,639 |
| Net interest margin | 3.2043% | 4,596 |
| Noninterest income to average assets | 1.0684% | 985 |
| Noninterest expense to average assets | 2.4909% | 4,292 |
| Loan and lease loss provision to assets | 0.1243% | 1,670 |
| Net operating income to assets | 0.9936% | 2,296 |
| Return on assets (ROA) | 1.0024% | 2,393 |
| Pretax return on assets | 1.4840% | 1,613 |
| Return on Equity (ROE) | 10.3177% | 1,863 |
| Retained earnings to average equity (ytd only) | 6.1169% | 2,424 |
| Net charge-offs to loans | 0.2692% | 887 |
| Credit loss provision to net charge-offs | 82.5301% | 1,806 |
| Earnings coverage of net charge-offs (x) | 10.5964% | 1,924 |
| Efficiency ratio | 60.8978% | 4,980 |
| Assets per employee ($millions) | 5.2919% | 2,007 |
| Cash dividends to net income (ytd only)* | 40.7148% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5684% | 483 |
| Loan loss allowance to noncurrent loans | 200.4342% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.7572% | 3,216 |
| Noncurrent loans to loans | 1.2814% | 2,237 |
| Net loans and leases to total assets | 53.5331% | 4,495 |
| Net loans and leases to deposits | 62.4599% | 4,530 |
| Net loans and leases to core deposits | 74.8740% | 3,700 |
| Total domestic deposits to total assets | 85.7078% | 3,090 |
| Equity capital to assets | 9.6706% | 4,552 |
| Core capital (leverage) ratio | 9.7157% | 3,996 |
| Tier 1 risk-based capital ratio | 14.0717% | 3,961 |
| Total risk-based capital ratio | 15.3322% | 3,882 |
| Memoranda: | ||
| Average total assets | $1,764,149,000 | 417 |
| Average earning assets | $1,661,496,000 | 408 |
| Average equity | $171,395,000 | 472 |
| Average total loans | $986,649,500 | 482 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7492% | 4,645 |
| Cost of funding earning assets | 0.4987% | 2,692 |
| Net interest margin | 3.2504% | 4,749 |
| Noninterest income to average assets | 1.0235% | 1,166 |
| Noninterest expense to average assets | 2.4603% | 4,673 |
| Loan and lease loss provision to assets | 0.2010% | 1,265 |
| Net operating income to assets | 0.9688% | 2,533 |
| Return on assets (ROA) | 1.0015% | 2,454 |
| Pretax return on assets | 1.4601% | 1,693 |
| Return on Equity (ROE) | 10.9275% | 1,743 |
| Retained earnings to average equity (ytd only) | 6.9719% | 1,425 |
| Net charge-offs to loans | 0.4573% | 917 |
| Credit loss provision to net charge-offs | 79.4720% | 2,878 |
| Earnings coverage of net charge-offs (x) | 6.3814% | 3,211 |
| Efficiency ratio | 60.2983% | 5,179 |
| Assets per employee ($millions) | 5.0855% | 2,221 |
| Cash dividends to net income (ytd only)* | 36.1986% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5903% | 490 |
| Loan loss allowance to noncurrent loans | 174.6576% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.9086% | 2,941 |
| Noncurrent loans to loans | 1.4831% | 1,978 |
| Net loans and leases to total assets | 55.4760% | 4,393 |
| Net loans and leases to deposits | 65.3179% | 4,394 |
| Net loans and leases to core deposits | 78.4927% | 3,466 |
| Total domestic deposits to total assets | 84.9324% | 3,313 |
| Equity capital to assets | 9.7621% | 4,402 |
| Core capital (leverage) ratio | 9.4392% | 4,326 |
| Tier 1 risk-based capital ratio | 14.3349% | 3,876 |
| Total risk-based capital ratio | 15.5965% | 3,805 |
| Memoranda: | ||
| Average total assets | $1,737,709,600 | 413 |
| Average earning assets | $1,630,790,600 | 402 |
| Average equity | $159,268,000 | 480 |
| Average total loans | $960,944,000 | 471 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7170% | 4,805 |
| Cost of funding earning assets | 0.4999% | 2,768 |
| Net interest margin | 3.2171% | 4,903 |
| Noninterest income to average assets | 0.9942% | 1,240 |
| Noninterest expense to average assets | 2.3938% | 4,850 |
| Loan and lease loss provision to assets | 0.2256% | 1,002 |
| Net operating income to assets | 0.9546% | 2,663 |
| Return on assets (ROA) | 0.9806% | 2,611 |
| Pretax return on assets | 1.4296% | 1,889 |
| Return on Equity (ROE) | 10.8747% | 1,841 |
| Retained earnings to average equity (ytd only) | 7.8152% | 1,440 |
| Net charge-offs to loans | 0.3655% | 1,097 |
| Credit loss provision to net charge-offs | 112.4523% | 2,015 |
| Earnings coverage of net charge-offs (x) | 8.0623% | 2,859 |
| Efficiency ratio | 59.5808% | 5,247 |
| Assets per employee ($millions) | 5.1467% | 2,083 |
| Cash dividends to net income (ytd only)* | 28.1338% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7319% | 474 |
| Loan loss allowance to noncurrent loans | 231.5521% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.7389% | 3,598 |
| Noncurrent loans to loans | 1.1798% | 2,703 |
| Net loans and leases to total assets | 54.3986% | 4,527 |
| Net loans and leases to deposits | 63.3122% | 4,609 |
| Net loans and leases to core deposits | 75.7996% | 3,768 |
| Total domestic deposits to total assets | 85.9213% | 2,884 |
| Equity capital to assets | 9.4007% | 4,919 |
| Core capital (leverage) ratio | 9.4798% | 4,405 |
| Tier 1 risk-based capital ratio | 14.1422% | 4,111 |
| Total risk-based capital ratio | 15.4049% | 4,036 |
| Memoranda: | ||
| Average total assets | $1,739,872,000 | 411 |
| Average earning assets | $1,631,650,000 | 396 |
| Average equity | $156,886,750 | 483 |
| Average total loans | $954,999,750 | 469 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7103% | 4,824 |
| Cost of funding earning assets | 0.5046% | 2,790 |
| Net interest margin | 3.2057% | 4,927 |
| Noninterest income to average assets | 0.9500% | 1,333 |
| Noninterest expense to average assets | 2.3676% | 4,976 |
| Loan and lease loss provision to assets | 0.2382% | 950 |
| Net operating income to assets | 0.9248% | 2,681 |
| Return on assets (ROA) | 0.9468% | 2,665 |
| Pretax return on assets | 1.3821% | 1,960 |
| Return on Equity (ROE) | 10.6525% | 1,865 |
| Retained earnings to average equity (ytd only) | 7.5426% | 1,506 |
| Net charge-offs to loans | 0.3366% | 1,207 |
| Credit loss provision to net charge-offs | 129.7365% | 1,610 |
| Earnings coverage of net charge-offs (x) | 8.6518% | 2,463 |
| Efficiency ratio | 59.7531% | 5,325 |
| Assets per employee ($millions) | 5.0503% | 2,148 |
| Cash dividends to net income (ytd only)* | 29.1935% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7300% | 511 |
| Loan loss allowance to noncurrent loans | 178.3639% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.9322% | 3,212 |
| Noncurrent loans to loans | 1.5306% | 2,270 |
| Net loans and leases to total assets | 53.8811% | 4,559 |
| Net loans and leases to deposits | 62.3899% | 4,653 |
| Net loans and leases to core deposits | 75.4869% | 3,678 |
| Total domestic deposits to total assets | 86.3619% | 2,844 |
| Equity capital to assets | 9.0994% | 5,207 |
| Core capital (leverage) ratio | 9.3003% | 4,590 |
| Tier 1 risk-based capital ratio | 13.9199% | 4,306 |
| Total risk-based capital ratio | 15.1829% | 4,242 |
| Memoranda: | ||
| Average total assets | $1,736,540,330 | 409 |
| Average earning assets | $1,628,262,670 | 396 |
| Average equity | $154,349,000 | 487 |
| Average total loans | $947,120,000 | 470 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6938% | 4,869 |
| Cost of funding earning assets | 0.5113% | 2,794 |
| Net interest margin | 3.1824% | 4,980 |
| Noninterest income to average assets | 0.9035% | 1,381 |
| Noninterest expense to average assets | 2.3509% | 5,068 |
| Loan and lease loss provision to assets | 0.2464% | 877 |
| Net operating income to assets | 0.8853% | 2,718 |
| Return on assets (ROA) | 0.9257% | 2,596 |
| Pretax return on assets | 1.3432% | 1,942 |
| Return on Equity (ROE) | 10.5441% | 1,847 |
| Retained earnings to average equity (ytd only) | 7.3578% | 1,879 |
| Net charge-offs to loans | 0.5024% | 733 |
| Credit loss provision to net charge-offs | 90.6518% | 1,795 |
| Earnings coverage of net charge-offs (x) | 5.6329% | 2,352 |
| Efficiency ratio | 60.4576% | 5,341 |
| Assets per employee ($millions) | 5.1168% | 2,104 |
| Cash dividends to net income (ytd only)* | 30.2191% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7970% | 543 |
| Loan loss allowance to noncurrent loans | 160.0243% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0157% | 3,225 |
| Noncurrent loans to loans | 1.7479% | 2,211 |
| Net loans and leases to total assets | 52.3818% | 4,631 |
| Net loans and leases to deposits | 60.5940% | 4,699 |
| Net loans and leases to core deposits | 72.7071% | 3,792 |
| Total domestic deposits to total assets | 86.4471% | 3,137 |
| Equity capital to assets | 8.8576% | 5,265 |
| Core capital (leverage) ratio | 9.3059% | 4,567 |
| Tier 1 risk-based capital ratio | 13.7385% | 4,511 |
| Total risk-based capital ratio | 15.0011% | 4,455 |
| Memoranda: | ||
| Average total assets | $1,715,958,000 | 413 |
| Average earning assets | $1,605,948,000 | 399 |
| Average equity | $150,643,000 | 500 |
| Average total loans | $928,315,000 | 471 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9434% | 4,308 |
| Cost of funding earning assets | 0.5492% | 3,118 |
| Net interest margin | 3.3941% | 4,298 |
| Noninterest income to average assets | 1.1109% | 1,136 |
| Noninterest expense to average assets | 2.3475% | 5,242 |
| Loan and lease loss provision to assets | 0.4407% | 665 |
| Net operating income to assets | 1.0392% | 2,159 |
| Return on assets (ROA) | 1.0026% | 2,379 |
| Pretax return on assets | 1.4474% | 1,630 |
| Return on Equity (ROE) | 11.2923% | 1,672 |
| Retained earnings to average equity (ytd only) | 8.4896% | 908 |
| Net charge-offs to loans | 1.0906% | 515 |
| Credit loss provision to net charge-offs | 75.3215% | 3,162 |
| Earnings coverage of net charge-offs (x) | 3.3177% | 3,897 |
| Efficiency ratio | 54.6288% | 6,080 |
| Assets per employee ($millions) | 4.9620% | 2,227 |
| Cash dividends to net income (ytd only)* | 24.8198% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8820% | 535 |
| Loan loss allowance to noncurrent loans | 135.9397% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 1.2116% | 2,975 |
| Noncurrent loans to loans | 2.1200% | 1,860 |
| Net loans and leases to total assets | 52.7506% | 4,754 |
| Net loans and leases to deposits | 60.9653% | 4,835 |
| Net loans and leases to core deposits | 72.4760% | 4,007 |
| Total domestic deposits to total assets | 86.5256% | 2,981 |
| Equity capital to assets | 8.6976% | 5,368 |
| Core capital (leverage) ratio | 9.0725% | 4,901 |
| Tier 1 risk-based capital ratio | 13.7316% | 4,499 |
| Total risk-based capital ratio | 14.9948% | 4,432 |
| Memoranda: | ||
| Average total assets | $1,687,764,800 | 410 |
| Average earning assets | $1,580,161,000 | 399 |
| Average equity | $149,854,800 | 489 |
| Average total loans | $905,444,000 | 465 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9552% | 4,298 |
| Cost of funding earning assets | 0.5532% | 3,230 |
| Net interest margin | 3.4020% | 4,278 |
| Noninterest income to average assets | 1.1427% | 1,122 |
| Noninterest expense to average assets | 2.4146% | 4,981 |
| Loan and lease loss provision to assets | 0.4776% | 583 |
| Net operating income to assets | 0.9904% | 2,410 |
| Return on assets (ROA) | 0.9799% | 2,572 |
| Pretax return on assets | 1.4221% | 1,863 |
| Return on Equity (ROE) | 10.9808% | 1,827 |
| Retained earnings to average equity (ytd only) | 8.1927% | 1,340 |
| Net charge-offs to loans | 1.2309% | 437 |
| Credit loss provision to net charge-offs | 72.5462% | 3,013 |
| Earnings coverage of net charge-offs (x) | 2.9088% | 3,865 |
| Efficiency ratio | 55.6640% | 5,951 |
| Assets per employee ($millions) | 5.0414% | 2,113 |
| Cash dividends to net income (ytd only)* | 25.3910% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9490% | 583 |
| Loan loss allowance to noncurrent loans | 119.9223% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 1.3797% | 2,893 |
| Noncurrent loans to loans | 2.4591% | 1,771 |
| Net loans and leases to total assets | 51.7523% | 4,901 |
| Net loans and leases to deposits | 60.4095% | 4,924 |
| Net loans and leases to core deposits | 71.7188% | 4,126 |
| Total domestic deposits to total assets | 85.6692% | 3,418 |
| Equity capital to assets | 8.7186% | 5,497 |
| Core capital (leverage) ratio | 9.0574% | 5,034 |
| Tier 1 risk-based capital ratio | 13.4973% | 4,760 |
| Total risk-based capital ratio | 14.7608% | 4,708 |
| Memoranda: | ||
| Average total assets | $1,687,937,250 | 413 |
| Average earning assets | $1,581,175,500 | 401 |
| Average equity | $150,634,750 | 494 |
| Average total loans | $902,717,250 | 467 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 4,289 |
| Cost of funding earning assets | 0.5602% | 3,311 |
| Net interest margin | 3.3914% | 4,217 |
| Noninterest income to average assets | 1.1202% | 1,214 |
| Noninterest expense to average assets | 2.4156% | 5,011 |
| Loan and lease loss provision to assets | 0.4929% | 563 |
| Net operating income to assets | 0.9579% | 2,522 |
| Return on assets (ROA) | 0.9555% | 2,685 |
| Pretax return on assets | 1.3968% | 1,944 |
| Return on Equity (ROE) | 10.6257% | 1,959 |
| Retained earnings to average equity (ytd only) | 7.8582% | 1,545 |
| Net charge-offs to loans | 1.2732% | 446 |
| Credit loss provision to net charge-offs | 72.3179% | 2,777 |
| Earnings coverage of net charge-offs (x) | 2.7776% | 3,589 |
| Efficiency ratio | 55.9535% | 5,969 |
| Assets per employee ($millions) | 4.7491% | 2,451 |
| Cash dividends to net income (ytd only)* | 26.0449% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0167% | 573 |
| Loan loss allowance to noncurrent loans | 88.6280% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.8837% | 2,298 |
| Noncurrent loans to loans | 3.4038% | 1,253 |
| Net loans and leases to total assets | 51.8240% | 4,883 |
| Net loans and leases to deposits | 60.5523% | 4,914 |
| Net loans and leases to core deposits | 71.8672% | 4,059 |
| Total domestic deposits to total assets | 85.5854% | 3,589 |
| Equity capital to assets | 8.6893% | 5,566 |
| Core capital (leverage) ratio | 8.9110% | 5,125 |
| Tier 1 risk-based capital ratio | 13.1204% | 5,053 |
| Total risk-based capital ratio | 14.3845% | 4,987 |
| Memoranda: | ||
| Average total assets | $1,687,627,330 | 408 |
| Average earning assets | $1,586,678,330 | 399 |
| Average equity | $151,764,670 | 490 |
| Average total loans | $903,427,670 | 463 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9553% | 4,279 |
| Cost of funding earning assets | 0.5782% | 3,308 |
| Net interest margin | 3.3772% | 4,207 |
| Noninterest income to average assets | 1.0405% | 1,367 |
| Noninterest expense to average assets | 2.4364% | 4,994 |
| Loan and lease loss provision to assets | 0.4140% | 736 |
| Net operating income to assets | 0.9354% | 2,495 |
| Return on assets (ROA) | 0.9283% | 2,673 |
| Pretax return on assets | 1.3572% | 2,017 |
| Return on Equity (ROE) | 10.1509% | 2,006 |
| Retained earnings to average equity (ytd only) | 7.4271% | 1,974 |
| Net charge-offs to loans | 0.7350% | 832 |
| Credit loss provision to net charge-offs | 105.1205% | 1,755 |
| Earnings coverage of net charge-offs (x) | 4.5241% | 2,533 |
| Efficiency ratio | 57.6490% | 5,893 |
| Assets per employee ($millions) | 4.9402% | 2,299 |
| Cash dividends to net income (ytd only)* | 26.8336% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1955% | 551 |
| Loan loss allowance to noncurrent loans | 104.0496% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.7609% | 2,646 |
| Noncurrent loans to loans | 3.0712% | 1,628 |
| Net loans and leases to total assets | 51.1258% | 4,818 |
| Net loans and leases to deposits | 59.5862% | 4,845 |
| Net loans and leases to core deposits | 71.3611% | 3,903 |
| Total domestic deposits to total assets | 85.8015% | 3,634 |
| Equity capital to assets | 9.0634% | 5,416 |
| Core capital (leverage) ratio | 8.7965% | 5,193 |
| Tier 1 risk-based capital ratio | 13.2209% | 5,059 |
| Total risk-based capital ratio | 14.4877% | 5,003 |
| Memoranda: | ||
| Average total assets | $1,686,104,500 | 415 |
| Average earning assets | $1,586,414,500 | 399 |
| Average equity | $154,193,000 | 490 |
| Average total loans | $903,427,500 | 464 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 4,840 |
| Cost of funding earning assets | 0.7302% | 3,254 |
| Net interest margin | 3.4008% | 4,879 |
| Noninterest income to average assets | 1.1767% | 1,141 |
| Noninterest expense to average assets | 2.5593% | 4,899 |
| Loan and lease loss provision to assets | 0.4939% | 1,216 |
| Net operating income to assets | 0.8947% | 2,851 |
| Return on assets (ROA) | 0.9077% | 3,020 |
| Pretax return on assets | 1.3221% | 2,314 |
| Return on Equity (ROE) | 10.2956% | 2,049 |
| Retained earnings to average equity (ytd only) | 7.5089% | 1,332 |
| Net charge-offs to loans | 0.9452% | 1,169 |
| Credit loss provision to net charge-offs | 97.6022% | 3,180 |
| Earnings coverage of net charge-offs (x) | 3.5514% | 3,685 |
| Efficiency ratio | 58.6389% | 5,745 |
| Assets per employee ($millions) | 4.7918% | 2,508 |
| Cash dividends to net income (ytd only)* | 27.0668% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1998% | 552 |
| Loan loss allowance to noncurrent loans | 95.5292% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 2.0318% | 2,413 |
| Noncurrent loans to loans | 3.3495% | 1,518 |
| Net loans and leases to total assets | 52.6342% | 4,820 |
| Net loans and leases to deposits | 61.3295% | 4,861 |
| Net loans and leases to core deposits | 73.1442% | 3,899 |
| Total domestic deposits to total assets | 85.8221% | 3,446 |
| Equity capital to assets | 9.2293% | 5,236 |
| Core capital (leverage) ratio | 8.6412% | 5,407 |
| Tier 1 risk-based capital ratio | 13.3009% | 4,896 |
| Total risk-based capital ratio | 14.5685% | 4,829 |
| Memoranda: | ||
| Average total assets | $1,648,366,000 | 413 |
| Average earning assets | $1,541,170,000 | 401 |
| Average equity | $145,333,800 | 501 |
| Average total loans | $882,497,200 | 464 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1486% | 4,993 |
| Cost of funding earning assets | 0.7522% | 3,335 |
| Net interest margin | 3.3964% | 5,046 |
| Noninterest income to average assets | 1.1625% | 1,130 |
| Noninterest expense to average assets | 2.5481% | 4,928 |
| Loan and lease loss provision to assets | 0.5320% | 1,115 |
| Net operating income to assets | 0.8611% | 3,171 |
| Return on assets (ROA) | 0.8852% | 3,291 |
| Pretax return on assets | 1.2887% | 2,645 |
| Return on Equity (ROE) | 10.1597% | 2,274 |
| Retained earnings to average equity (ytd only) | 7.4171% | 1,886 |
| Net charge-offs to loans | 0.9890% | 1,075 |
| Credit loss provision to net charge-offs | 100.8601% | 2,931 |
| Earnings coverage of net charge-offs (x) | 3.3857% | 3,667 |
| Efficiency ratio | 58.6868% | 5,698 |
| Assets per employee ($millions) | 4.7944% | 2,456 |
| Cash dividends to net income (ytd only)* | 26.9949% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2955% | 553 |
| Loan loss allowance to noncurrent loans | 100.4383% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.9803% | 2,672 |
| Noncurrent loans to loans | 3.2811% | 1,676 |
| Net loans and leases to total assets | 51.1848% | 5,160 |
| Net loans and leases to deposits | 59.4289% | 5,268 |
| Net loans and leases to core deposits | 70.9254% | 4,386 |
| Total domestic deposits to total assets | 86.1278% | 3,182 |
| Equity capital to assets | 9.0505% | 5,774 |
| Core capital (leverage) ratio | 8.5942% | 5,629 |
| Tier 1 risk-based capital ratio | 13.4119% | 4,940 |
| Total risk-based capital ratio | 14.6808% | 4,882 |
| Memoranda: | ||
| Average total assets | $1,645,968,750 | 413 |
| Average earning assets | $1,536,868,250 | 398 |
| Average equity | $143,413,000 | 501 |
| Average total loans | $877,747,000 | 468 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 5,013 |
| Cost of funding earning assets | 0.7829% | 3,334 |
| Net interest margin | 3.4007% | 5,089 |
| Noninterest income to average assets | 1.0341% | 1,365 |
| Noninterest expense to average assets | 2.5339% | 5,020 |
| Loan and lease loss provision to assets | 0.5085% | 1,232 |
| Net operating income to assets | 0.8047% | 3,376 |
| Return on assets (ROA) | 0.8441% | 3,440 |
| Pretax return on assets | 1.2170% | 2,848 |
| Return on Equity (ROE) | 9.8167% | 2,437 |
| Retained earnings to average equity (ytd only) | 6.9064% | 2,158 |
| Net charge-offs to loans | 0.8356% | 1,325 |
| Credit loss provision to net charge-offs | 113.8251% | 2,399 |
| Earnings coverage of net charge-offs (x) | 3.7344% | 3,291 |
| Efficiency ratio | 60.1853% | 5,543 |
| Assets per employee ($millions) | 4.7449% | 2,512 |
| Cash dividends to net income (ytd only)* | 29.6457% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3775% | 550 |
| Loan loss allowance to noncurrent loans | 84.6205% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 2.5709% | 2,169 |
| Noncurrent loans to loans | 3.9914% | 1,383 |
| Net loans and leases to total assets | 50.9060% | 5,239 |
| Net loans and leases to deposits | 58.8983% | 5,355 |
| Net loans and leases to core deposits | 70.5010% | 4,469 |
| Total domestic deposits to total assets | 86.4304% | 3,116 |
| Equity capital to assets | 8.7382% | 5,984 |
| Core capital (leverage) ratio | 8.4118% | 5,771 |
| Tier 1 risk-based capital ratio | 13.1091% | 5,105 |
| Total risk-based capital ratio | 14.3785% | 5,066 |
| Memoranda: | ||
| Average total assets | $1,638,476,330 | 414 |
| Average earning assets | $1,526,458,670 | 402 |
| Average equity | $140,883,000 | 507 |
| Average total loans | $875,965,000 | 468 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1962% | 5,115 |
| Cost of funding earning assets | 0.8289% | 3,242 |
| Net interest margin | 3.3673% | 5,244 |
| Noninterest income to average assets | 1.0395% | 1,339 |
| Noninterest expense to average assets | 2.5157% | 5,099 |
| Loan and lease loss provision to assets | 0.5447% | 1,085 |
| Net operating income to assets | 0.7767% | 3,497 |
| Return on assets (ROA) | 0.8406% | 3,437 |
| Pretax return on assets | 1.2140% | 2,863 |
| Return on Equity (ROE) | 9.8583% | 2,449 |
| Retained earnings to average equity (ytd only) | 7.5523% | 2,149 |
| Net charge-offs to loans | 0.7430% | 1,375 |
| Credit loss provision to net charge-offs | 136.1179% | 1,807 |
| Earnings coverage of net charge-offs (x) | 4.1634% | 2,650 |
| Efficiency ratio | 60.0423% | 5,601 |
| Assets per employee ($millions) | 4.8080% | 2,498 |
| Cash dividends to net income (ytd only)* | 23.3918% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3756% | 586 |
| Loan loss allowance to noncurrent loans | 71.2544% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 2.8242% | 2,072 |
| Noncurrent loans to loans | 4.7374% | 1,204 |
| Net loans and leases to total assets | 51.5856% | 5,072 |
| Net loans and leases to deposits | 59.1105% | 5,267 |
| Net loans and leases to core deposits | 70.4481% | 4,346 |
| Total domestic deposits to total assets | 87.2698% | 2,787 |
| Equity capital to assets | 8.5094% | 6,075 |
| Core capital (leverage) ratio | 8.3736% | 5,767 |
| Tier 1 risk-based capital ratio | 13.0092% | 5,210 |
| Total risk-based capital ratio | 14.2790% | 5,162 |
| Memoranda: | ||
| Average total assets | $1,627,357,000 | 417 |
| Average earning assets | $1,518,623,000 | 405 |
| Average equity | $138,766,500 | 515 |
| Average total loans | $876,469,500 | 466 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4998% | 5,073 |
| Cost of funding earning assets | 1.0973% | 2,692 |
| Net interest margin | 3.4025% | 5,472 |
| Noninterest income to average assets | 1.0362% | 1,267 |
| Noninterest expense to average assets | 2.4758% | 5,553 |
| Loan and lease loss provision to assets | 0.7782% | 1,280 |
| Net operating income to assets | 0.6655% | 3,658 |
| Return on assets (ROA) | 0.7096% | 3,621 |
| Pretax return on assets | 1.0082% | 3,214 |
| Return on Equity (ROE) | 8.9120% | 2,488 |
| Retained earnings to average equity (ytd only) | 8.2907% | 988 |
| Net charge-offs to loans | 1.1597% | 1,464 |
| Credit loss provision to net charge-offs | 123.4331% | 2,551 |
| Earnings coverage of net charge-offs (x) | 2.7334% | 3,852 |
| Efficiency ratio | 58.8424% | 5,931 |
| Assets per employee ($millions) | 4.6813% | 2,630 |
| Cash dividends to net income (ytd only)* | 6.9717% | 3,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3193% | 613 |
| Loan loss allowance to noncurrent loans | 67.7079% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 3.0495% | 1,969 |
| Noncurrent loans to loans | 4.9024% | 1,168 |
| Net loans and leases to total assets | 52.5354% | 5,230 |
| Net loans and leases to deposits | 59.5906% | 5,537 |
| Net loans and leases to core deposits | 71.4653% | 4,596 |
| Total domestic deposits to total assets | 88.1606% | 2,051 |
| Equity capital to assets | 8.5452% | 6,078 |
| Core capital (leverage) ratio | 8.2109% | 5,977 |
| Tier 1 risk-based capital ratio | 12.9733% | 5,091 |
| Total risk-based capital ratio | 14.2430% | 5,050 |
| Memoranda: | ||
| Average total assets | $1,616,998,000 | 408 |
| Average earning assets | $1,503,181,000 | 391 |
| Average equity | $128,758,400 | 542 |
| Average total loans | $879,127,800 | 477 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5516% | 5,081 |
| Cost of funding earning assets | 1.1341% | 2,744 |
| Net interest margin | 3.4174% | 5,518 |
| Noninterest income to average assets | 1.1858% | 936 |
| Noninterest expense to average assets | 2.5026% | 5,453 |
| Loan and lease loss provision to assets | 0.8327% | 1,111 |
| Net operating income to assets | 0.7189% | 3,510 |
| Return on assets (ROA) | 0.7356% | 3,624 |
| Pretax return on assets | 1.0489% | 3,215 |
| Return on Equity (ROE) | 9.4313% | 2,412 |
| Retained earnings to average equity (ytd only) | 9.1331% | 1,098 |
| Net charge-offs to loans | 1.2159% | 1,284 |
| Credit loss provision to net charge-offs | 128.2889% | 2,486 |
| Earnings coverage of net charge-offs (x) | 2.8621% | 3,711 |
| Efficiency ratio | 57.2660% | 6,103 |
| Assets per employee ($millions) | 4.5537% | 2,839 |
| Cash dividends to net income (ytd only)* | 3.1614% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4851% | 572 |
| Loan loss allowance to noncurrent loans | 105.5784% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 2.1204% | 3,008 |
| Noncurrent loans to loans | 3.3009% | 2,094 |
| Net loans and leases to total assets | 50.6598% | 5,621 |
| Net loans and leases to deposits | 58.2108% | 5,825 |
| Net loans and leases to core deposits | 70.7372% | 4,861 |
| Total domestic deposits to total assets | 87.0281% | 2,640 |
| Equity capital to assets | 8.4619% | 6,338 |
| Core capital (leverage) ratio | 8.0956% | 6,288 |
| Tier 1 risk-based capital ratio | 12.9635% | 5,123 |
| Total risk-based capital ratio | 14.2345% | 5,077 |
| Memoranda: | ||
| Average total assets | $1,433,339,750 | 469 |
| Average earning assets | $1,331,497,500 | 453 |
| Average equity | $111,795,250 | 623 |
| Average total loans | $765,159,250 | 541 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5448% | 5,191 |
| Cost of funding earning assets | 1.1899% | 2,645 |
| Net interest margin | 3.3549% | 5,697 |
| Noninterest income to average assets | 1.1467% | 976 |
| Noninterest expense to average assets | 2.4690% | 5,646 |
| Loan and lease loss provision to assets | 0.8026% | 1,147 |
| Net operating income to assets | 0.6946% | 3,568 |
| Return on assets (ROA) | 0.7003% | 3,654 |
| Pretax return on assets | 0.9985% | 3,247 |
| Return on Equity (ROE) | 9.2394% | 2,420 |
| Retained earnings to average equity (ytd only) | 9.2394% | 1,039 |
| Net charge-offs to loans | 1.1924% | 1,314 |
| Credit loss provision to net charge-offs | 125.3975% | 2,433 |
| Earnings coverage of net charge-offs (x) | 2.8011% | 3,445 |
| Efficiency ratio | 57.8004% | 6,189 |
| Assets per employee ($millions) | 4.3973% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2676% | 717 |
| Loan loss allowance to noncurrent loans | 106.0453% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 2.1475% | 3,052 |
| Noncurrent loans to loans | 3.0814% | 2,339 |
| Net loans and leases to total assets | 52.6687% | 5,479 |
| Net loans and leases to deposits | 60.1180% | 5,715 |
| Net loans and leases to core deposits | 73.5355% | 4,634 |
| Total domestic deposits to total assets | 87.6090% | 2,404 |
| Equity capital to assets | 8.0433% | 6,649 |
| Core capital (leverage) ratio | 7.8893% | 6,424 |
| Tier 1 risk-based capital ratio | 12.5282% | 5,318 |
| Total risk-based capital ratio | 13.7978% | 5,279 |
| Memoranda: | ||
| Average total assets | $1,434,504,000 | 477 |
| Average earning assets | $1,332,019,330 | 459 |
| Average equity | $108,729,670 | 643 |
| Average total loans | $770,041,330 | 547 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 5,455 |
| Cost of funding earning assets | 1.2191% | 2,689 |
| Net interest margin | 3.2494% | 5,924 |
| Noninterest income to average assets | 1.0793% | 1,130 |
| Noninterest expense to average assets | 2.4599% | 5,708 |
| Loan and lease loss provision to assets | 0.7903% | 1,078 |
| Net operating income to assets | 0.6110% | 3,980 |
| Return on assets (ROA) | 0.6283% | 3,944 |
| Pretax return on assets | 0.8793% | 3,580 |
| Return on Equity (ROE) | 8.5484% | 2,677 |
| Retained earnings to average equity (ytd only) | 8.5484% | 1,539 |
| Net charge-offs to loans | 1.5214% | 893 |
| Credit loss provision to net charge-offs | 97.4640% | 2,803 |
| Earnings coverage of net charge-offs (x) | 2.0288% | 3,287 |
| Efficiency ratio | 59.7888% | 6,013 |
| Assets per employee ($millions) | 4.5809% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1490% | 805 |
| Loan loss allowance to noncurrent loans | 100.5464% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 2.0728% | 3,231 |
| Noncurrent loans to loans | 3.1319% | 2,399 |
| Net loans and leases to total assets | 51.2215% | 5,683 |
| Net loans and leases to deposits | 58.1929% | 5,906 |
| Net loans and leases to core deposits | 72.6509% | 4,701 |
| Total domestic deposits to total assets | 88.0201% | 2,361 |
| Equity capital to assets | 7.3568% | 6,945 |
| Core capital (leverage) ratio | 7.6723% | 6,579 |
| Tier 1 risk-based capital ratio | 12.2242% | 5,499 |
| Total risk-based capital ratio | 13.4921% | 5,482 |
| Memoranda: | ||
| Average total assets | $1,439,395,000 | 479 |
| Average earning assets | $1,340,299,000 | 464 |
| Average equity | $105,797,000 | 655 |
| Average total loans | $767,196,500 | 558 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7582% | 5,588 |
| Cost of funding earning assets | 1.5899% | 2,127 |
| Net interest margin | 3.1683% | 6,343 |
| Noninterest income to average assets | 1.3035% | 866 |
| Noninterest expense to average assets | 2.6421% | 5,255 |
| Loan and lease loss provision to assets | 1.0377% | 1,556 |
| Net operating income to assets | 0.4273% | 4,425 |
| Return on assets (ROA) | 0.4898% | 4,306 |
| Pretax return on assets | 0.6601% | 4,128 |
| Return on Equity (ROE) | 6.5341% | 3,326 |
| Retained earnings to average equity (ytd only) | 6.5341% | 1,536 |
| Net charge-offs to loans | 1.3009% | 1,716 |
| Credit loss provision to net charge-offs | 138.2373% | 2,761 |
| Earnings coverage of net charge-offs (x) | 2.1492% | 4,111 |
| Efficiency ratio | 61.9534% | 5,739 |
| Assets per employee ($millions) | 4.4173% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1454% | 768 |
| Loan loss allowance to noncurrent loans | 112.0159% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 1.9435% | 3,420 |
| Noncurrent loans to loans | 2.8080% | 2,719 |
| Net loans and leases to total assets | 52.0281% | 5,902 |
| Net loans and leases to deposits | 59.1740% | 6,138 |
| Net loans and leases to core deposits | 75.3523% | 4,806 |
| Total domestic deposits to total assets | 87.9239% | 2,298 |
| Equity capital to assets | 7.3433% | 6,976 |
| Core capital (leverage) ratio | 7.2381% | 6,888 |
| Tier 1 risk-based capital ratio | 12.0988% | 5,386 |
| Total risk-based capital ratio | 13.3672% | 5,351 |
| Memoranda: | ||
| Average total assets | $1,393,507,000 | 486 |
| Average earning assets | $1,298,358,600 | 470 |
| Average equity | $104,451,400 | 649 |
| Average total loans | $804,120,800 | 545 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7843% | 5,723 |
| Cost of funding earning assets | 1.6616% | 2,039 |
| Net interest margin | 3.1227% | 6,557 |
| Noninterest income to average assets | 1.3286% | 771 |
| Noninterest expense to average assets | 2.6454% | 5,134 |
| Loan and lease loss provision to assets | 1.0493% | 1,408 |
| Net operating income to assets | 0.3921% | 4,781 |
| Return on assets (ROA) | 0.4505% | 4,722 |
| Pretax return on assets | 0.6238% | 4,515 |
| Return on Equity (ROE) | 5.9793% | 3,822 |
| Retained earnings to average equity (ytd only) | 5.9793% | 2,367 |
| Net charge-offs to loans | 1.2530% | 1,624 |
| Credit loss provision to net charge-offs | 142.5785% | 2,768 |
| Earnings coverage of net charge-offs (x) | 2.1631% | 4,105 |
| Efficiency ratio | 62.2965% | 5,564 |
| Assets per employee ($millions) | 4.4916% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9243% | 880 |
| Loan loss allowance to noncurrent loans | 109.6374% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 1.8546% | 3,674 |
| Noncurrent loans to loans | 2.6672% | 2,964 |
| Net loans and leases to total assets | 52.6450% | 6,022 |
| Net loans and leases to deposits | 60.2823% | 6,286 |
| Net loans and leases to core deposits | 76.8820% | 4,939 |
| Total domestic deposits to total assets | 87.3308% | 2,355 |
| Equity capital to assets | 7.3827% | 7,190 |
| Core capital (leverage) ratio | 7.2594% | 7,029 |
| Tier 1 risk-based capital ratio | 11.5353% | 5,897 |
| Total risk-based capital ratio | 12.8017% | 5,869 |
| Memoranda: | ||
| Average total assets | $1,384,080,750 | 482 |
| Average earning assets | $1,289,297,750 | 466 |
| Average equity | $104,289,750 | 636 |
| Average total loans | $812,947,500 | 540 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8414% | 5,634 |
| Cost of funding earning assets | 1.7228% | 1,999 |
| Net interest margin | 3.1185% | 6,556 |
| Noninterest income to average assets | 1.2866% | 770 |
| Noninterest expense to average assets | 2.6631% | 5,067 |
| Loan and lease loss provision to assets | 0.9705% | 1,499 |
| Net operating income to assets | 0.4002% | 4,755 |
| Return on assets (ROA) | 0.4176% | 4,831 |
| Pretax return on assets | 0.5745% | 4,650 |
| Return on Equity (ROE) | 5.5022% | 4,045 |
| Retained earnings to average equity (ytd only) | 5.5022% | 2,611 |
| Net charge-offs to loans | 1.1981% | 1,586 |
| Credit loss provision to net charge-offs | 134.1713% | 2,994 |
| Earnings coverage of net charge-offs (x) | 2.1028% | 3,974 |
| Efficiency ratio | 63.5056% | 5,433 |
| Assets per employee ($millions) | 4.1429% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6945% | 1,097 |
| Loan loss allowance to noncurrent loans | 79.0208% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 2.4221% | 2,968 |
| Noncurrent loans to loans | 3.4098% | 2,333 |
| Net loans and leases to total assets | 56.1935% | 5,677 |
| Net loans and leases to deposits | 64.7497% | 5,945 |
| Net loans and leases to core deposits | 85.4153% | 3,914 |
| Total domestic deposits to total assets | 86.7857% | 2,657 |
| Equity capital to assets | 7.5961% | 7,054 |
| Core capital (leverage) ratio | 7.4674% | 6,852 |
| Tier 1 risk-based capital ratio | 11.6494% | 5,627 |
| Total risk-based capital ratio | 12.9145% | 5,578 |
| Memoranda: | ||
| Average total assets | $1,352,858,330 | 489 |
| Average earning assets | $1,256,994,670 | 477 |
| Average equity | $102,687,000 | 643 |
| Average total loans | $816,798,330 | 537 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8485% | 5,693 |
| Cost of funding earning assets | 1.7831% | 1,949 |
| Net interest margin | 3.0654% | 6,679 |
| Noninterest income to average assets | 1.2271% | 812 |
| Noninterest expense to average assets | 2.6260% | 5,246 |
| Loan and lease loss provision to assets | 0.9199% | 1,383 |
| Net operating income to assets | 0.3668% | 4,993 |
| Return on assets (ROA) | 0.3695% | 5,100 |
| Pretax return on assets | 0.5233% | 4,882 |
| Return on Equity (ROE) | 4.8705% | 4,433 |
| Retained earnings to average equity (ytd only) | 4.8705% | 3,226 |
| Net charge-offs to loans | 0.9584% | 1,697 |
| Credit loss provision to net charge-offs | 155.3971% | 2,301 |
| Earnings coverage of net charge-offs (x) | 2.4313% | 3,326 |
| Efficiency ratio | 64.4472% | 5,401 |
| Assets per employee ($millions) | 4.0297% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6165% | 1,159 |
| Loan loss allowance to noncurrent loans | 73.0576% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 2.6095% | 2,792 |
| Noncurrent loans to loans | 3.5815% | 2,229 |
| Net loans and leases to total assets | 59.7115% | 5,165 |
| Net loans and leases to deposits | 69.3015% | 5,434 |
| Net loans and leases to core deposits | 93.6181% | 2,887 |
| Total domestic deposits to total assets | 86.1619% | 3,058 |
| Equity capital to assets | 7.7375% | 6,897 |
| Core capital (leverage) ratio | 7.6222% | 6,710 |
| Tier 1 risk-based capital ratio | 11.3144% | 5,842 |
| Total risk-based capital ratio | 12.5783% | 5,799 |
| Memoranda: | ||
| Average total assets | $1,327,057,500 | 518 |
| Average earning assets | $1,228,665,000 | 502 |
| Average equity | $100,688,500 | 658 |
| Average total loans | $819,663,000 | 557 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2880% | 5,242 |
| Cost of funding earning assets | 2.0708% | 2,625 |
| Net interest margin | 3.2172% | 6,031 |
| Noninterest income to average assets | 0.9594% | 1,708 |
| Noninterest expense to average assets | 2.7991% | 4,979 |
| Loan and lease loss provision to assets | 2.2794% | 899 |
| Net operating income to assets | -0.6643% | 6,324 |
| Return on assets (ROA) | -0.5867% | 6,255 |
| Pretax return on assets | -1.0665% | 6,460 |
| Return on Equity (ROE) | -7.5559% | 6,432 |
| Retained earnings to average equity (ytd only) | -7.5559% | 6,294 |
| Net charge-offs to loans | 2.6553% | 845 |
| Credit loss provision to net charge-offs | 130.8473% | 3,879 |
| Earnings coverage of net charge-offs (x) | 0.6267% | 5,469 |
| Efficiency ratio | 71.7859% | 4,297 |
| Assets per employee ($millions) | 4.0375% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4421% | 1,303 |
| Loan loss allowance to noncurrent loans | 69.4351% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 2.7826% | 2,511 |
| Noncurrent loans to loans | 3.5171% | 2,160 |
| Net loans and leases to total assets | 60.6948% | 5,233 |
| Net loans and leases to deposits | 70.6432% | 5,519 |
| Net loans and leases to core deposits | 84.4550% | 5,678 |
| Total domestic deposits to total assets | 85.9174% | 3,057 |
| Equity capital to assets | 7.4375% | 7,088 |
| Core capital (leverage) ratio | 7.3396% | 6,947 |
| Tier 1 risk-based capital ratio | 10.9899% | 5,920 |
| Total risk-based capital ratio | 12.2519% | 5,878 |
| Memoranda: | ||
| Average total assets | $1,313,057,600 | 515 |
| Average earning assets | $1,196,396,000 | 510 |
| Average equity | $101,959,400 | 641 |
| Average total loans | $861,444,600 | 546 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3605% | 5,130 |
| Cost of funding earning assets | 2.1199% | 2,802 |
| Net interest margin | 3.2406% | 5,878 |
| Noninterest income to average assets | 1.4077% | 763 |
| Noninterest expense to average assets | 2.8167% | 4,823 |
| Loan and lease loss provision to assets | 1.4558% | 1,317 |
| Net operating income to assets | 0.0901% | 5,494 |
| Return on assets (ROA) | 0.1658% | 5,330 |
| Pretax return on assets | 0.1543% | 5,401 |
| Return on Equity (ROE) | 2.1125% | 5,130 |
| Retained earnings to average equity (ytd only) | 2.1125% | 4,148 |
| Net charge-offs to loans | 1.9307% | 1,030 |
| Credit loss provision to net charge-offs | 113.4434% | 4,483 |
| Earnings coverage of net charge-offs (x) | 1.1957% | 4,868 |
| Efficiency ratio | 64.5953% | 5,637 |
| Assets per employee ($millions) | 3.9651% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 2,496 |
| Loan loss allowance to noncurrent loans | 36.7788% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 4.2732% | 1,457 |
| Noncurrent loans to loans | 4.7219% | 1,452 |
| Net loans and leases to total assets | 64.0842% | 4,851 |
| Net loans and leases to deposits | 75.2000% | 5,181 |
| Net loans and leases to core deposits | 88.5331% | 5,588 |
| Total domestic deposits to total assets | 85.2184% | 3,117 |
| Equity capital to assets | 8.4427% | 6,324 |
| Core capital (leverage) ratio | 8.3145% | 5,810 |
| Tier 1 risk-based capital ratio | 11.5518% | 5,383 |
| Total risk-based capital ratio | 12.8057% | 5,322 |
| Memoranda: | ||
| Average total assets | $1,309,234,250 | 530 |
| Average earning assets | $1,189,181,250 | 524 |
| Average equity | $102,750,250 | 645 |
| Average total loans | $870,200,250 | 559 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4514% | 4,888 |
| Cost of funding earning assets | 2.2061% | 2,765 |
| Net interest margin | 3.2453% | 5,751 |
| Noninterest income to average assets | 1.4219% | 743 |
| Noninterest expense to average assets | 2.8222% | 4,865 |
| Loan and lease loss provision to assets | 1.4661% | 1,181 |
| Net operating income to assets | 0.0505% | 5,705 |
| Return on assets (ROA) | 0.1427% | 5,534 |
| Pretax return on assets | 0.1706% | 5,540 |
| Return on Equity (ROE) | 1.8647% | 5,351 |
| Retained earnings to average equity (ytd only) | 1.8647% | 4,308 |
| Net charge-offs to loans | 1.9525% | 952 |
| Credit loss provision to net charge-offs | 112.2690% | 4,122 |
| Earnings coverage of net charge-offs (x) | 1.1694% | 4,649 |
| Efficiency ratio | 64.7493% | 5,763 |
| Assets per employee ($millions) | 3.7724% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6621% | 2,482 |
| Loan loss allowance to noncurrent loans | 33.8758% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 4.2621% | 1,355 |
| Noncurrent loans to loans | 4.9064% | 1,266 |
| Net loans and leases to total assets | 64.2531% | 4,929 |
| Net loans and leases to deposits | 79.2943% | 4,656 |
| Net loans and leases to core deposits | 97.8576% | 4,715 |
| Total domestic deposits to total assets | 81.0313% | 5,071 |
| Equity capital to assets | 8.2682% | 6,386 |
| Core capital (leverage) ratio | 8.3134% | 5,771 |
| Tier 1 risk-based capital ratio | 11.4133% | 5,479 |
| Total risk-based capital ratio | 12.6662% | 5,390 |
| Memoranda: | ||
| Average total assets | $1,309,482,330 | 542 |
| Average earning assets | $1,181,161,330 | 539 |
| Average equity | $100,176,330 | 672 |
| Average total loans | $875,815,000 | 572 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3719% | 5,566 |
| Cost of funding earning assets | 2.2676% | 2,846 |
| Net interest margin | 3.1043% | 6,184 |
| Noninterest income to average assets | 1.3763% | 752 |
| Noninterest expense to average assets | 2.7033% | 4,992 |
| Loan and lease loss provision to assets | 1.4184% | 896 |
| Net operating income to assets | 0.0827% | 6,030 |
| Return on assets (ROA) | 0.0500% | 6,280 |
| Pretax return on assets | 0.0668% | 6,237 |
| Return on Equity (ROE) | 0.6812% | 6,229 |
| Retained earnings to average equity (ytd only) | 0.6812% | 5,387 |
| Net charge-offs to loans | 1.9335% | 746 |
| Credit loss provision to net charge-offs | 108.4402% | 3,539 |
| Earnings coverage of net charge-offs (x) | 1.1688% | 4,170 |
| Efficiency ratio | 63.7314% | 5,737 |
| Assets per employee ($millions) | 3.9481% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 2,802 |
| Loan loss allowance to noncurrent loans | 29.6687% | 6,571 |
| Noncurrent assets plus other real estate owned to assets | 3.9190% | 1,327 |
| Noncurrent loans to loans | 5.1671% | 1,043 |
| Net loans and leases to total assets | 64.7307% | 4,855 |
| Net loans and leases to deposits | 78.5446% | 4,841 |
| Net loans and leases to core deposits | 98.2326% | 4,719 |
| Total domestic deposits to total assets | 82.4126% | 4,403 |
| Equity capital to assets | 7.2382% | 7,534 |
| Core capital (leverage) ratio | 7.3194% | 7,360 |
| Tier 1 risk-based capital ratio | 9.7857% | 7,156 |
| Total risk-based capital ratio | 11.0374% | 7,062 |
| Memoranda: | ||
| Average total assets | $1,311,594,000 | 541 |
| Average earning assets | $1,206,585,000 | 533 |
| Average equity | $96,304,000 | 693 |
| Average total loans | $887,300,000 | 569 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1870% | 4,581 |
| Cost of funding earning assets | 2.7849% | 2,770 |
| Net interest margin | 3.4021% | 5,655 |
| Noninterest income to average assets | 1.3863% | 748 |
| Noninterest expense to average assets | 2.7817% | 4,901 |
| Loan and lease loss provision to assets | 0.6911% | 2,117 |
| Net operating income to assets | 0.7166% | 3,817 |
| Return on assets (ROA) | 0.7238% | 3,617 |
| Pretax return on assets | 1.0673% | 3,149 |
| Return on Equity (ROE) | 9.5402% | 2,422 |
| Retained earnings to average equity (ytd only) | 7.9563% | 856 |
| Net charge-offs to loans | 0.6875% | 1,787 |
| Credit loss provision to net charge-offs | 141.1645% | 3,755 |
| Earnings coverage of net charge-offs (x) | 3.5701% | 4,307 |
| Efficiency ratio | 61.2678% | 6,114 |
| Assets per employee ($millions) | 3.7458% | 4,069 |
| Cash dividends to net income (ytd only)* | 16.6018% | 4,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 2,847 |
| Loan loss allowance to noncurrent loans | 31.5265% | 6,623 |
| Noncurrent assets plus other real estate owned to assets | 3.6871% | 1,182 |
| Noncurrent loans to loans | 4.6535% | 1,012 |
| Net loans and leases to total assets | 68.6206% | 4,342 |
| Net loans and leases to deposits | 84.9716% | 4,259 |
| Net loans and leases to core deposits | 134.4337% | 1,573 |
| Total domestic deposits to total assets | 80.7571% | 4,745 |
| Equity capital to assets | 7.4511% | 7,426 |
| Core capital (leverage) ratio | 7.4709% | 7,240 |
| Tier 1 risk-based capital ratio | 9.7382% | 7,033 |
| Total risk-based capital ratio | 10.9893% | 6,940 |
| Memoranda: | ||
| Average total assets | $1,206,724,400 | 557 |
| Average earning assets | $1,114,926,400 | 551 |
| Average equity | $91,549,800 | 731 |
| Average total loans | $859,294,600 | 567 |