Home > Farmington Bank > Performance and Condition Ratios
Farmington Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7744% | 4,497 |
| Cost of funding earning assets | 0.8640% | 1,056 |
| Net interest margin | 2.9104% | 4,962 |
| Noninterest income to average assets | 0.3950% | 3,510 |
| Noninterest expense to average assets | 2.0435% | 4,660 |
| Loan and lease loss provision to assets | 0.0521% | 2,940 |
| Net operating income to assets | 0.8425% | 3,767 |
| Return on assets (ROA) | 0.8002% | 3,905 |
| Pretax return on assets | 1.0048% | 3,707 |
| Return on Equity (ROE) | 10.0257% | 2,612 |
| Retained earnings to average equity (ytd only) | 10.0257% | 917 |
| Net charge-offs to loans | 0.0260% | 2,598 |
| Credit loss provision to net charge-offs | 221.7857% | 1,285 |
| Earnings coverage of net charge-offs (x) | 47.2088% | 1,216 |
| Efficiency ratio | 64.8042% | 3,054 |
| Assets per employee ($millions) | 9.5320% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7785% | 4,694 |
| Loan loss allowance to noncurrent loans | 181.3833% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 3,088 |
| Noncurrent loans to loans | 0.4292% | 3,117 |
| Net loans and leases to total assets | 90.9673% | 48 |
| Net loans and leases to deposits | 121.1683% | 94 |
| Net loans and leases to core deposits | 130.0635% | 330 |
| Total domestic deposits to total assets | 75.0751% | 4,873 |
| Equity capital to assets | 8.1214% | 5,126 |
| Core capital (leverage) ratio | 8.1757% | 5,261 |
| Tier 1 risk-based capital ratio | 10.6094% | 5,208 |
| Total risk-based capital ratio | 11.5216% | 5,234 |
| Memoranda: | ||
| Average total assets | $3,176,001,000 | 308 |
| Average earning assets | $3,010,019,750 | 297 |
| Average equity | $253,489,000 | 380 |
| Average total loans | $2,869,203,750 | 259 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6733% | 4,643 |
| Cost of funding earning assets | 0.8051% | 1,105 |
| Net interest margin | 2.8683% | 5,057 |
| Noninterest income to average assets | 0.4119% | 3,411 |
| Noninterest expense to average assets | 2.0362% | 4,731 |
| Loan and lease loss provision to assets | 0.0339% | 3,239 |
| Net operating income to assets | 0.8616% | 3,624 |
| Return on assets (ROA) | 0.8569% | 3,640 |
| Pretax return on assets | 1.0557% | 3,490 |
| Return on Equity (ROE) | 10.8012% | 2,192 |
| Retained earnings to average equity (ytd only) | 10.8012% | 709 |
| Net charge-offs to loans | 0.0219% | 2,444 |
| Credit loss provision to net charge-offs | 172.2581% | 1,440 |
| Earnings coverage of net charge-offs (x) | 55.7290% | 1,050 |
| Efficiency ratio | 65.0220% | 3,155 |
| Assets per employee ($millions) | 9.2026% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7741% | 4,772 |
| Loan loss allowance to noncurrent loans | 190.1216% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4163% | 3,057 |
| Noncurrent loans to loans | 0.4071% | 3,238 |
| Net loans and leases to total assets | 88.7116% | 114 |
| Net loans and leases to deposits | 117.6013% | 135 |
| Net loans and leases to core deposits | 128.0559% | 368 |
| Total domestic deposits to total assets | 75.4342% | 4,911 |
| Equity capital to assets | 7.8431% | 5,284 |
| Core capital (leverage) ratio | 8.2128% | 5,255 |
| Tier 1 risk-based capital ratio | 10.3614% | 5,325 |
| Total risk-based capital ratio | 11.2522% | 5,373 |
| Memoranda: | ||
| Average total assets | $3,154,371,670 | 307 |
| Average earning assets | $2,990,950,000 | 297 |
| Average equity | $250,249,670 | 383 |
| Average total loans | $2,835,179,000 | 260 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6042% | 4,696 |
| Cost of funding earning assets | 0.7560% | 1,162 |
| Net interest margin | 2.8482% | 5,099 |
| Noninterest income to average assets | 0.4176% | 3,330 |
| Noninterest expense to average assets | 2.0285% | 4,793 |
| Loan and lease loss provision to assets | 0.0601% | 2,565 |
| Net operating income to assets | 0.8352% | 3,575 |
| Return on assets (ROA) | 0.8262% | 3,615 |
| Pretax return on assets | 1.0220% | 3,457 |
| Return on Equity (ROE) | 10.3524% | 2,250 |
| Retained earnings to average equity (ytd only) | 10.3524% | 1,053 |
| Net charge-offs to loans | 0.0420% | 1,698 |
| Credit loss provision to net charge-offs | 158.7031% | 1,196 |
| Earnings coverage of net charge-offs (x) | 28.8532% | 1,263 |
| Efficiency ratio | 64.9822% | 3,318 |
| Assets per employee ($millions) | 8.8372% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8013% | 4,787 |
| Loan loss allowance to noncurrent loans | 175.7303% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 2,941 |
| Noncurrent loans to loans | 0.4560% | 3,167 |
| Net loans and leases to total assets | 89.2623% | 82 |
| Net loans and leases to deposits | 113.3250% | 186 |
| Net loans and leases to core deposits | 122.5975% | 512 |
| Total domestic deposits to total assets | 78.7666% | 4,616 |
| Equity capital to assets | 7.9685% | 5,286 |
| Core capital (leverage) ratio | 8.3068% | 5,254 |
| Tier 1 risk-based capital ratio | 10.3856% | 5,386 |
| Total risk-based capital ratio | 11.3017% | 5,429 |
| Memoranda: | ||
| Average total assets | $3,093,503,000 | 308 |
| Average earning assets | $2,936,882,000 | 298 |
| Average equity | $246,899,500 | 391 |
| Average total loans | $2,788,288,500 | 263 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5250% | 4,748 |
| Cost of funding earning assets | 0.6472% | 1,312 |
| Net interest margin | 2.8778% | 5,071 |
| Noninterest income to average assets | 0.4565% | 3,267 |
| Noninterest expense to average assets | 2.0392% | 4,893 |
| Loan and lease loss provision to assets | 0.0525% | 3,180 |
| Net operating income to assets | 0.5927% | 4,043 |
| Return on assets (ROA) | 0.5927% | 4,083 |
| Pretax return on assets | 1.0840% | 3,251 |
| Return on Equity (ROE) | 7.4209% | 3,070 |
| Retained earnings to average equity (ytd only) | 7.4209% | 949 |
| Net charge-offs to loans | 0.0238% | 3,332 |
| Credit loss provision to net charge-offs | 245.4114% | 1,125 |
| Earnings coverage of net charge-offs (x) | 53.1709% | 1,048 |
| Efficiency ratio | 64.2134% | 3,572 |
| Assets per employee ($millions) | 8.7387% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 4,781 |
| Loan loss allowance to noncurrent loans | 142.1479% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 2,829 |
| Noncurrent loans to loans | 0.5735% | 2,781 |
| Net loans and leases to total assets | 89.5523% | 90 |
| Net loans and leases to deposits | 110.8016% | 247 |
| Net loans and leases to core deposits | 119.6757% | 596 |
| Total domestic deposits to total assets | 80.8222% | 4,162 |
| Equity capital to assets | 7.9943% | 5,394 |
| Core capital (leverage) ratio | 8.2846% | 5,295 |
| Tier 1 risk-based capital ratio | 10.2781% | 5,455 |
| Total risk-based capital ratio | 11.2019% | 5,493 |
| Memoranda: | ||
| Average total assets | $2,956,932,000 | 312 |
| Average earning assets | $2,793,876,000 | 300 |
| Average equity | $236,156,400 | 389 |
| Average total loans | $2,657,874,200 | 266 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5124% | 4,786 |
| Cost of funding earning assets | 0.6284% | 1,363 |
| Net interest margin | 2.8840% | 5,107 |
| Noninterest income to average assets | 0.4700% | 3,212 |
| Noninterest expense to average assets | 2.0631% | 4,823 |
| Loan and lease loss provision to assets | 0.0569% | 2,950 |
| Net operating income to assets | 0.7554% | 3,712 |
| Return on assets (ROA) | 0.7554% | 3,776 |
| Pretax return on assets | 1.0716% | 3,416 |
| Return on Equity (ROE) | 9.4612% | 2,375 |
| Retained earnings to average equity (ytd only) | 9.4612% | 720 |
| Net charge-offs to loans | 0.0293% | 2,841 |
| Credit loss provision to net charge-offs | 216.2349% | 1,271 |
| Earnings coverage of net charge-offs (x) | 42.8843% | 1,235 |
| Efficiency ratio | 64.6422% | 3,427 |
| Assets per employee ($millions) | 8.6012% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8205% | 4,838 |
| Loan loss allowance to noncurrent loans | 145.0637% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 3,029 |
| Noncurrent loans to loans | 0.5656% | 3,002 |
| Net loans and leases to total assets | 89.3979% | 101 |
| Net loans and leases to deposits | 111.2249% | 244 |
| Net loans and leases to core deposits | 118.9391% | 619 |
| Total domestic deposits to total assets | 80.3758% | 4,235 |
| Equity capital to assets | 8.0920% | 5,489 |
| Core capital (leverage) ratio | 8.2483% | 5,399 |
| Tier 1 risk-based capital ratio | 10.3196% | 5,504 |
| Total risk-based capital ratio | 11.2413% | 5,564 |
| Memoranda: | ||
| Average total assets | $2,933,717,500 | 315 |
| Average earning assets | $2,768,489,250 | 305 |
| Average equity | $234,243,250 | 395 |
| Average total loans | $2,633,941,250 | 266 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4474% | 4,882 |
| Cost of funding earning assets | 0.6031% | 1,423 |
| Net interest margin | 2.8443% | 5,180 |
| Noninterest income to average assets | 0.4837% | 3,124 |
| Noninterest expense to average assets | 2.0611% | 4,851 |
| Loan and lease loss provision to assets | 0.0711% | 2,550 |
| Net operating income to assets | 0.7353% | 3,687 |
| Return on assets (ROA) | 0.7353% | 3,751 |
| Pretax return on assets | 1.0343% | 3,431 |
| Return on Equity (ROE) | 9.2524% | 2,388 |
| Retained earnings to average equity (ytd only) | 9.2524% | 772 |
| Net charge-offs to loans | 0.0404% | 2,391 |
| Credit loss provision to net charge-offs | 196.3947% | 1,292 |
| Earnings coverage of net charge-offs (x) | 30.5313% | 1,450 |
| Efficiency ratio | 65.0893% | 3,497 |
| Assets per employee ($millions) | 8.5714% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8255% | 4,881 |
| Loan loss allowance to noncurrent loans | 137.5421% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.5356% | 2,983 |
| Noncurrent loans to loans | 0.6002% | 2,928 |
| Net loans and leases to total assets | 88.4989% | 126 |
| Net loans and leases to deposits | 116.2058% | 150 |
| Net loans and leases to core deposits | 124.4186% | 424 |
| Total domestic deposits to total assets | 76.1570% | 5,072 |
| Equity capital to assets | 7.9177% | 5,568 |
| Core capital (leverage) ratio | 8.2692% | 5,377 |
| Tier 1 risk-based capital ratio | 10.1903% | 5,582 |
| Total risk-based capital ratio | 11.1169% | 5,625 |
| Memoranda: | ||
| Average total assets | $2,911,014,670 | 318 |
| Average earning assets | $2,745,739,330 | 309 |
| Average equity | $231,355,330 | 398 |
| Average total loans | $2,609,997,670 | 270 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4277% | 4,879 |
| Cost of funding earning assets | 0.5868% | 1,464 |
| Net interest margin | 2.8409% | 5,185 |
| Noninterest income to average assets | 0.4410% | 3,371 |
| Noninterest expense to average assets | 2.0444% | 4,950 |
| Loan and lease loss provision to assets | 0.0453% | 2,892 |
| Net operating income to assets | 0.7489% | 3,483 |
| Return on assets (ROA) | 0.7489% | 3,532 |
| Pretax return on assets | 1.0318% | 3,230 |
| Return on Equity (ROE) | 9.4048% | 2,222 |
| Retained earnings to average equity (ytd only) | 9.4048% | 945 |
| Net charge-offs to loans | 0.0783% | 1,553 |
| Credit loss provision to net charge-offs | 64.3564% | 1,875 |
| Earnings coverage of net charge-offs (x) | 15.3069% | 1,681 |
| Efficiency ratio | 65.4957% | 3,577 |
| Assets per employee ($millions) | 8.3213% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 5,014 |
| Loan loss allowance to noncurrent loans | 133.6317% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5501% | 3,032 |
| Noncurrent loans to loans | 0.6122% | 2,989 |
| Net loans and leases to total assets | 89.1210% | 79 |
| Net loans and leases to deposits | 111.4550% | 191 |
| Net loans and leases to core deposits | 118.7153% | 496 |
| Total domestic deposits to total assets | 79.9615% | 4,624 |
| Equity capital to assets | 7.9677% | 5,534 |
| Core capital (leverage) ratio | 8.2932% | 5,380 |
| Tier 1 risk-based capital ratio | 10.2973% | 5,621 |
| Total risk-based capital ratio | 11.2279% | 5,673 |
| Memoranda: | ||
| Average total assets | $2,870,807,500 | 324 |
| Average earning assets | $2,708,748,000 | 312 |
| Average equity | $228,607,500 | 401 |
| Average total loans | $2,580,287,500 | 273 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3575% | 5,063 |
| Cost of funding earning assets | 0.6093% | 1,280 |
| Net interest margin | 2.7482% | 5,361 |
| Noninterest income to average assets | 0.4600% | 3,481 |
| Noninterest expense to average assets | 2.1224% | 4,959 |
| Loan and lease loss provision to assets | 0.0842% | 2,676 |
| Net operating income to assets | 0.5917% | 4,248 |
| Return on assets (ROA) | 0.5917% | 4,358 |
| Pretax return on assets | 0.8227% | 4,120 |
| Return on Equity (ROE) | 7.5389% | 3,198 |
| Retained earnings to average equity (ytd only) | 7.5389% | 1,027 |
| Net charge-offs to loans | 0.0410% | 3,211 |
| Credit loss provision to net charge-offs | 232.9670% | 1,237 |
| Earnings coverage of net charge-offs (x) | 25.1069% | 1,600 |
| Efficiency ratio | 70.0621% | 2,889 |
| Assets per employee ($millions) | 8.3702% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 4,974 |
| Loan loss allowance to noncurrent loans | 122.5955% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6189% | 2,873 |
| Noncurrent loans to loans | 0.6884% | 2,816 |
| Net loans and leases to total assets | 89.1461% | 89 |
| Net loans and leases to deposits | 112.2771% | 182 |
| Net loans and leases to core deposits | 119.7471% | 488 |
| Total domestic deposits to total assets | 79.3982% | 4,697 |
| Equity capital to assets | 7.9585% | 5,582 |
| Core capital (leverage) ratio | 8.1776% | 5,516 |
| Tier 1 risk-based capital ratio | 10.3192% | 5,656 |
| Total risk-based capital ratio | 11.2827% | 5,684 |
| Memoranda: | ||
| Average total assets | $2,771,195,200 | 314 |
| Average earning assets | $2,590,769,600 | 307 |
| Average equity | $217,499,400 | 405 |
| Average total loans | $2,442,611,000 | 270 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3618% | 5,101 |
| Cost of funding earning assets | 0.6086% | 1,268 |
| Net interest margin | 2.7532% | 5,429 |
| Noninterest income to average assets | 0.4459% | 3,587 |
| Noninterest expense to average assets | 2.1320% | 4,932 |
| Loan and lease loss provision to assets | 0.0831% | 2,550 |
| Net operating income to assets | 0.5801% | 4,369 |
| Return on assets (ROA) | 0.5801% | 4,482 |
| Pretax return on assets | 0.8005% | 4,307 |
| Return on Equity (ROE) | 7.4179% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.4179% | 1,433 |
| Net charge-offs to loans | 0.0359% | 2,911 |
| Credit loss provision to net charge-offs | 263.5945% | 1,152 |
| Earnings coverage of net charge-offs (x) | 28.0414% | 1,544 |
| Efficiency ratio | 70.6996% | 2,792 |
| Assets per employee ($millions) | 8.3029% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 5,015 |
| Loan loss allowance to noncurrent loans | 119.2608% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.6297% | 3,021 |
| Noncurrent loans to loans | 0.7183% | 2,879 |
| Net loans and leases to total assets | 86.9154% | 191 |
| Net loans and leases to deposits | 107.7257% | 318 |
| Net loans and leases to core deposits | 115.1084% | 687 |
| Total domestic deposits to total assets | 80.6821% | 4,328 |
| Equity capital to assets | 7.8323% | 5,786 |
| Core capital (leverage) ratio | 8.1853% | 5,585 |
| Tier 1 risk-based capital ratio | 10.1247% | 5,750 |
| Total risk-based capital ratio | 11.0729% | 5,807 |
| Memoranda: | ||
| Average total assets | $2,754,620,000 | 316 |
| Average earning assets | $2,571,028,500 | 308 |
| Average equity | $215,418,500 | 408 |
| Average total loans | $2,415,502,500 | 269 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3724% | 5,142 |
| Cost of funding earning assets | 0.6013% | 1,305 |
| Net interest margin | 2.7711% | 5,480 |
| Noninterest income to average assets | 0.4043% | 3,849 |
| Noninterest expense to average assets | 2.1267% | 5,003 |
| Loan and lease loss provision to assets | 0.0746% | 2,645 |
| Net operating income to assets | 0.5781% | 4,361 |
| Return on assets (ROA) | 0.5781% | 4,484 |
| Pretax return on assets | 0.7937% | 4,311 |
| Return on Equity (ROE) | 7.3969% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.3969% | 1,432 |
| Net charge-offs to loans | 0.0414% | 2,634 |
| Credit loss provision to net charge-offs | 205.2419% | 1,277 |
| Earnings coverage of net charge-offs (x) | 23.8871% | 1,574 |
| Efficiency ratio | 71.0084% | 2,822 |
| Assets per employee ($millions) | 8.2448% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 5,124 |
| Loan loss allowance to noncurrent loans | 153.2204% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 3,544 |
| Noncurrent loans to loans | 0.5562% | 3,398 |
| Net loans and leases to total assets | 86.7595% | 201 |
| Net loans and leases to deposits | 115.4501% | 155 |
| Net loans and leases to core deposits | 124.0852% | 405 |
| Total domestic deposits to total assets | 75.1489% | 5,391 |
| Equity capital to assets | 7.8297% | 5,856 |
| Core capital (leverage) ratio | 8.2718% | 5,554 |
| Tier 1 risk-based capital ratio | 10.1245% | 5,810 |
| Total risk-based capital ratio | 11.0654% | 5,858 |
| Memoranda: | ||
| Average total assets | $2,729,061,000 | 316 |
| Average earning assets | $2,551,371,330 | 308 |
| Average equity | $213,306,330 | 410 |
| Average total loans | $2,393,304,330 | 270 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3731% | 5,184 |
| Cost of funding earning assets | 0.6062% | 1,298 |
| Net interest margin | 2.7669% | 5,521 |
| Noninterest income to average assets | 0.4289% | 3,626 |
| Noninterest expense to average assets | 2.1895% | 4,924 |
| Loan and lease loss provision to assets | 0.0321% | 3,236 |
| Net operating income to assets | 0.5834% | 4,257 |
| Return on assets (ROA) | 0.5834% | 4,374 |
| Pretax return on assets | 0.7944% | 4,208 |
| Return on Equity (ROE) | 7.4702% | 3,196 |
| Retained earnings to average equity (ytd only) | 7.4702% | 1,676 |
| Net charge-offs to loans | 0.0406% | 2,189 |
| Credit loss provision to net charge-offs | 90.0415% | 1,764 |
| Earnings coverage of net charge-offs (x) | 23.1867% | 1,375 |
| Efficiency ratio | 72.5958% | 2,713 |
| Assets per employee ($millions) | 8.0389% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 5,231 |
| Loan loss allowance to noncurrent loans | 154.0823% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5013% | 3,598 |
| Noncurrent loans to loans | 0.5509% | 3,527 |
| Net loans and leases to total assets | 87.2493% | 154 |
| Net loans and leases to deposits | 110.3899% | 220 |
| Net loans and leases to core deposits | 117.9982% | 527 |
| Total domestic deposits to total assets | 79.0374% | 4,961 |
| Equity capital to assets | 7.9012% | 5,859 |
| Core capital (leverage) ratio | 8.1560% | 5,681 |
| Tier 1 risk-based capital ratio | 10.2992% | 5,827 |
| Total risk-based capital ratio | 11.2680% | 5,856 |
| Memoranda: | ||
| Average total assets | $2,704,343,000 | 314 |
| Average earning assets | $2,528,590,500 | 307 |
| Average equity | $211,185,000 | 410 |
| Average total loans | $2,374,292,000 | 269 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3396% | 5,276 |
| Cost of funding earning assets | 0.5476% | 1,784 |
| Net interest margin | 2.7919% | 5,529 |
| Noninterest income to average assets | 0.4780% | 3,477 |
| Noninterest expense to average assets | 2.2966% | 4,801 |
| Loan and lease loss provision to assets | 0.0934% | 2,447 |
| Net operating income to assets | 0.5154% | 4,638 |
| Return on assets (ROA) | 0.5579% | 4,558 |
| Pretax return on assets | 0.7654% | 4,314 |
| Return on Equity (ROE) | 7.2306% | 3,393 |
| Retained earnings to average equity (ytd only) | 7.2306% | 1,187 |
| Net charge-offs to loans | 0.0529% | 3,143 |
| Credit loss provision to net charge-offs | 202.9950% | 1,374 |
| Earnings coverage of net charge-offs (x) | 17.4068% | 2,076 |
| Efficiency ratio | 74.1532% | 2,558 |
| Assets per employee ($millions) | 7.8939% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 5,264 |
| Loan loss allowance to noncurrent loans | 135.4389% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 3,408 |
| Noncurrent loans to loans | 0.6288% | 3,298 |
| Net loans and leases to total assets | 86.8494% | 178 |
| Net loans and leases to deposits | 115.7989% | 145 |
| Net loans and leases to core deposits | 123.8044% | 383 |
| Total domestic deposits to total assets | 75.0002% | 5,554 |
| Equity capital to assets | 7.7172% | 5,939 |
| Core capital (leverage) ratio | 8.0275% | 5,826 |
| Tier 1 risk-based capital ratio | 10.1794% | 5,902 |
| Total risk-based capital ratio | 11.1558% | 5,932 |
| Memoranda: | ||
| Average total assets | $2,613,713,200 | 308 |
| Average earning assets | $2,451,938,400 | 296 |
| Average equity | $201,670,200 | 411 |
| Average total loans | $2,273,024,400 | 260 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3319% | 5,354 |
| Cost of funding earning assets | 0.5306% | 1,960 |
| Net interest margin | 2.8013% | 5,575 |
| Noninterest income to average assets | 0.4645% | 3,600 |
| Noninterest expense to average assets | 2.2877% | 4,809 |
| Loan and lease loss provision to assets | 0.0857% | 2,451 |
| Net operating income to assets | 0.5179% | 4,729 |
| Return on assets (ROA) | 0.5743% | 4,598 |
| Pretax return on assets | 0.8003% | 4,337 |
| Return on Equity (ROE) | 7.4434% | 3,374 |
| Retained earnings to average equity (ytd only) | 7.4434% | 1,480 |
| Net charge-offs to loans | 0.0365% | 3,178 |
| Credit loss provision to net charge-offs | 270.5691% | 1,067 |
| Earnings coverage of net charge-offs (x) | 25.5089% | 1,661 |
| Efficiency ratio | 73.9107% | 2,571 |
| Assets per employee ($millions) | 8.0307% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 5,360 |
| Loan loss allowance to noncurrent loans | 120.0504% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 3,383 |
| Noncurrent loans to loans | 0.7102% | 3,201 |
| Net loans and leases to total assets | 85.9831% | 230 |
| Net loans and leases to deposits | 115.6738% | 156 |
| Net loans and leases to core deposits | 123.8810% | 380 |
| Total domestic deposits to total assets | 74.3324% | 5,686 |
| Equity capital to assets | 7.5947% | 6,061 |
| Core capital (leverage) ratio | 7.8516% | 5,965 |
| Tier 1 risk-based capital ratio | 9.9967% | 6,043 |
| Total risk-based capital ratio | 10.9612% | 6,076 |
| Memoranda: | ||
| Average total assets | $2,590,236,750 | 315 |
| Average earning assets | $2,432,578,500 | 303 |
| Average equity | $199,849,750 | 416 |
| Average total loans | $2,248,343,250 | 268 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3114% | 5,418 |
| Cost of funding earning assets | 0.5210% | 2,063 |
| Net interest margin | 2.7904% | 5,629 |
| Noninterest income to average assets | 0.4095% | 4,013 |
| Noninterest expense to average assets | 2.3216% | 4,791 |
| Loan and lease loss provision to assets | 0.1002% | 2,155 |
| Net operating income to assets | 0.4345% | 5,025 |
| Return on assets (ROA) | 0.5193% | 4,790 |
| Pretax return on assets | 0.7291% | 4,563 |
| Return on Equity (ROE) | 6.6935% | 3,790 |
| Retained earnings to average equity (ytd only) | 6.6935% | 1,850 |
| Net charge-offs to loans | 0.0593% | 2,544 |
| Credit loss provision to net charge-offs | 194.5205% | 1,263 |
| Earnings coverage of net charge-offs (x) | 13.7839% | 2,102 |
| Efficiency ratio | 76.5838% | 2,266 |
| Assets per employee ($millions) | 7.8316% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 5,459 |
| Loan loss allowance to noncurrent loans | 150.9366% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 3,689 |
| Noncurrent loans to loans | 0.5651% | 3,762 |
| Net loans and leases to total assets | 86.7602% | 196 |
| Net loans and leases to deposits | 119.2393% | 103 |
| Net loans and leases to core deposits | 128.6015% | 297 |
| Total domestic deposits to total assets | 72.7614% | 5,893 |
| Equity capital to assets | 7.6548% | 6,084 |
| Core capital (leverage) ratio | 8.0903% | 5,875 |
| Tier 1 risk-based capital ratio | 10.2511% | 6,017 |
| Total risk-based capital ratio | 11.2384% | 6,048 |
| Memoranda: | ||
| Average total assets | $2,551,535,330 | 318 |
| Average earning assets | $2,397,520,000 | 306 |
| Average equity | $197,953,330 | 423 |
| Average total loans | $2,215,456,000 | 270 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3030% | 5,447 |
| Cost of funding earning assets | 0.5359% | 1,963 |
| Net interest margin | 2.7671% | 5,708 |
| Noninterest income to average assets | 0.3816% | 4,152 |
| Noninterest expense to average assets | 2.3070% | 4,857 |
| Loan and lease loss provision to assets | 0.0978% | 2,067 |
| Net operating income to assets | 0.4175% | 5,009 |
| Return on assets (ROA) | 0.4487% | 4,995 |
| Pretax return on assets | 0.6222% | 4,851 |
| Return on Equity (ROE) | 5.7441% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.7441% | 2,636 |
| Net charge-offs to loans | 0.0631% | 2,116 |
| Credit loss provision to net charge-offs | 179.3003% | 1,132 |
| Earnings coverage of net charge-offs (x) | 12.4052% | 1,800 |
| Efficiency ratio | 77.3224% | 2,295 |
| Assets per employee ($millions) | 7.6727% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8707% | 5,522 |
| Loan loss allowance to noncurrent loans | 136.5327% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.5894% | 3,713 |
| Noncurrent loans to loans | 0.6377% | 3,676 |
| Net loans and leases to total assets | 85.9558% | 192 |
| Net loans and leases to deposits | 113.9927% | 159 |
| Net loans and leases to core deposits | 119.5816% | 423 |
| Total domestic deposits to total assets | 75.4047% | 5,795 |
| Equity capital to assets | 7.7731% | 6,109 |
| Core capital (leverage) ratio | 8.1410% | 5,855 |
| Tier 1 risk-based capital ratio | 10.4236% | 6,038 |
| Total risk-based capital ratio | 11.4290% | 6,058 |
| Memoranda: | ||
| Average total assets | $2,515,510,500 | 322 |
| Average earning assets | $2,365,385,500 | 307 |
| Average equity | $196,515,000 | 425 |
| Average total loans | $2,175,280,000 | 271 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3996% | 5,533 |
| Cost of funding earning assets | 0.4746% | 2,937 |
| Net interest margin | 2.9250% | 5,592 |
| Noninterest income to average assets | 0.4018% | 4,167 |
| Noninterest expense to average assets | 2.4257% | 4,773 |
| Loan and lease loss provision to assets | 0.1132% | 2,282 |
| Net operating income to assets | 0.4566% | 4,985 |
| Return on assets (ROA) | 0.4566% | 5,080 |
| Pretax return on assets | 0.6024% | 4,930 |
| Return on Equity (ROE) | 5.4628% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.4628% | 2,286 |
| Net charge-offs to loans | 0.0986% | 3,099 |
| Credit loss provision to net charge-offs | 133.2647% | 1,786 |
| Earnings coverage of net charge-offs (x) | 8.4222% | 2,881 |
| Efficiency ratio | 77.2201% | 2,327 |
| Assets per employee ($millions) | 7.5691% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 5,517 |
| Loan loss allowance to noncurrent loans | 122.5756% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6391% | 3,661 |
| Noncurrent loans to loans | 0.7222% | 3,519 |
| Net loans and leases to total assets | 85.5038% | 241 |
| Net loans and leases to deposits | 120.0702% | 97 |
| Net loans and leases to core deposits | 125.9020% | 294 |
| Total domestic deposits to total assets | 71.2115% | 6,131 |
| Equity capital to assets | 7.8147% | 6,138 |
| Core capital (leverage) ratio | 8.2467% | 5,824 |
| Tier 1 risk-based capital ratio | 10.6292% | 6,049 |
| Total risk-based capital ratio | 11.6540% | 6,083 |
| Memoranda: | ||
| Average total assets | $2,285,688,000 | 327 |
| Average earning assets | $2,140,661,200 | 317 |
| Average equity | $191,054,600 | 418 |
| Average total loans | $1,969,797,800 | 270 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4000% | 5,593 |
| Cost of funding earning assets | 0.4541% | 3,197 |
| Net interest margin | 2.9459% | 5,609 |
| Noninterest income to average assets | 0.3938% | 4,294 |
| Noninterest expense to average assets | 2.4536% | 4,660 |
| Loan and lease loss provision to assets | 0.1166% | 2,112 |
| Net operating income to assets | 0.4211% | 5,173 |
| Return on assets (ROA) | 0.4211% | 5,252 |
| Pretax return on assets | 0.5800% | 5,086 |
| Return on Equity (ROE) | 4.9482% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.9482% | 3,114 |
| Net charge-offs to loans | 0.1186% | 2,621 |
| Credit loss provision to net charge-offs | 114.1190% | 1,992 |
| Earnings coverage of net charge-offs (x) | 6.8174% | 3,023 |
| Efficiency ratio | 77.8865% | 2,194 |
| Assets per employee ($millions) | 7.3656% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9024% | 5,597 |
| Loan loss allowance to noncurrent loans | 119.9095% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 3,877 |
| Noncurrent loans to loans | 0.7526% | 3,721 |
| Net loans and leases to total assets | 85.1204% | 255 |
| Net loans and leases to deposits | 115.6660% | 136 |
| Net loans and leases to core deposits | 119.5508% | 406 |
| Total domestic deposits to total assets | 73.5916% | 6,048 |
| Equity capital to assets | 8.1097% | 6,071 |
| Core capital (leverage) ratio | 8.5506% | 5,594 |
| Tier 1 risk-based capital ratio | 10.9077% | 6,038 |
| Total risk-based capital ratio | 11.9560% | 6,079 |
| Memoranda: | ||
| Average total assets | $2,236,440,750 | 333 |
| Average earning assets | $2,092,545,750 | 324 |
| Average equity | $190,314,750 | 417 |
| Average total loans | $1,926,811,250 | 272 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4136% | 5,597 |
| Cost of funding earning assets | 0.4473% | 3,359 |
| Net interest margin | 2.9664% | 5,596 |
| Noninterest income to average assets | 0.3506% | 4,621 |
| Noninterest expense to average assets | 2.5032% | 4,566 |
| Loan and lease loss provision to assets | 0.0838% | 2,627 |
| Net operating income to assets | 0.3927% | 5,251 |
| Return on assets (ROA) | 0.3927% | 5,318 |
| Pretax return on assets | 0.5355% | 5,173 |
| Return on Equity (ROE) | 4.5365% | 4,900 |
| Retained earnings to average equity (ytd only) | 4.5365% | 3,290 |
| Net charge-offs to loans | 0.1398% | 2,271 |
| Credit loss provision to net charge-offs | 69.4761% | 2,480 |
| Earnings coverage of net charge-offs (x) | 5.1352% | 2,984 |
| Efficiency ratio | 80.1660% | 2,001 |
| Assets per employee ($millions) | 7.1036% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 5,675 |
| Loan loss allowance to noncurrent loans | 122.2495% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.6657% | 3,993 |
| Noncurrent loans to loans | 0.7502% | 3,826 |
| Net loans and leases to total assets | 85.4024% | 220 |
| Net loans and leases to deposits | 116.1183% | 117 |
| Net loans and leases to core deposits | 120.4069% | 365 |
| Total domestic deposits to total assets | 73.5478% | 6,149 |
| Equity capital to assets | 8.4486% | 5,844 |
| Core capital (leverage) ratio | 8.8961% | 5,165 |
| Tier 1 risk-based capital ratio | 11.2290% | 5,943 |
| Total risk-based capital ratio | 12.2860% | 5,976 |
| Memoranda: | ||
| Average total assets | $2,183,979,000 | 335 |
| Average earning assets | $2,040,882,670 | 325 |
| Average equity | $189,042,670 | 419 |
| Average total loans | $1,883,684,670 | 274 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3880% | 5,676 |
| Cost of funding earning assets | 0.4495% | 3,434 |
| Net interest margin | 2.9385% | 5,673 |
| Noninterest income to average assets | 0.3289% | 4,740 |
| Noninterest expense to average assets | 2.5203% | 4,550 |
| Loan and lease loss provision to assets | 0.0943% | 2,348 |
| Net operating income to assets | 0.3377% | 5,364 |
| Return on assets (ROA) | 0.3377% | 5,417 |
| Pretax return on assets | 0.4633% | 5,278 |
| Return on Equity (ROE) | 3.8522% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.8522% | 3,813 |
| Net charge-offs to loans | 0.2570% | 1,301 |
| Credit loss provision to net charge-offs | 42.5084% | 2,281 |
| Earnings coverage of net charge-offs (x) | 2.5143% | 2,859 |
| Efficiency ratio | 81.8849% | 1,942 |
| Assets per employee ($millions) | 6.7040% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 5,737 |
| Loan loss allowance to noncurrent loans | 135.8949% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.6228% | 4,254 |
| Noncurrent loans to loans | 0.6918% | 4,143 |
| Net loans and leases to total assets | 85.2600% | 176 |
| Net loans and leases to deposits | 111.1458% | 133 |
| Net loans and leases to core deposits | 114.9528% | 430 |
| Total domestic deposits to total assets | 76.7100% | 5,998 |
| Equity capital to assets | 8.6657% | 5,479 |
| Core capital (leverage) ratio | 9.0678% | 4,910 |
| Tier 1 risk-based capital ratio | 11.5034% | 5,914 |
| Total risk-based capital ratio | 12.5852% | 5,951 |
| Memoranda: | ||
| Average total assets | $2,142,942,000 | 342 |
| Average earning assets | $2,004,705,000 | 331 |
| Average equity | $187,839,500 | 417 |
| Average total loans | $1,848,939,000 | 273 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5395% | 5,563 |
| Cost of funding earning assets | 0.5567% | 3,055 |
| Net interest margin | 2.9828% | 5,617 |
| Noninterest income to average assets | 0.5556% | 3,365 |
| Noninterest expense to average assets | 2.9344% | 3,262 |
| Loan and lease loss provision to assets | 0.0801% | 3,507 |
| Net operating income to assets | 0.2382% | 5,721 |
| Return on assets (ROA) | 0.2517% | 5,757 |
| Pretax return on assets | 0.3319% | 5,641 |
| Return on Equity (ROE) | 2.6294% | 5,640 |
| Retained earnings to average equity (ytd only) | 2.6294% | 4,380 |
| Net charge-offs to loans | 0.0269% | 4,881 |
| Credit loss provision to net charge-offs | 343.8202% | 662 |
| Earnings coverage of net charge-offs (x) | 16.9281% | 1,756 |
| Efficiency ratio | 88.1583% | 1,197 |
| Assets per employee ($millions) | 6.2525% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 5,539 |
| Loan loss allowance to noncurrent loans | 123.7432% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 4,080 |
| Noncurrent loans to loans | 0.8120% | 3,941 |
| Net loans and leases to total assets | 85.6296% | 174 |
| Net loans and leases to deposits | 116.0463% | 96 |
| Net loans and leases to core deposits | 119.9269% | 332 |
| Total domestic deposits to total assets | 73.7892% | 6,294 |
| Equity capital to assets | 8.8687% | 5,181 |
| Core capital (leverage) ratio | 9.2780% | 4,591 |
| Tier 1 risk-based capital ratio | 11.6197% | 5,844 |
| Total risk-based capital ratio | 12.7638% | 5,840 |
| Memoranda: | ||
| Average total assets | $1,911,189,600 | 367 |
| Average earning assets | $1,776,699,800 | 357 |
| Average equity | $182,932,400 | 418 |
| Average total loans | $1,656,982,000 | 290 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5637% | 5,541 |
| Cost of funding earning assets | 0.5781% | 3,013 |
| Net interest margin | 2.9856% | 5,628 |
| Noninterest income to average assets | 0.6039% | 3,126 |
| Noninterest expense to average assets | 3.0115% | 2,955 |
| Loan and lease loss provision to assets | 0.0623% | 3,796 |
| Net operating income to assets | 0.2254% | 5,850 |
| Return on assets (ROA) | 0.2436% | 5,885 |
| Pretax return on assets | 0.3251% | 5,806 |
| Return on Equity (ROE) | 2.4937% | 5,788 |
| Retained earnings to average equity (ytd only) | 2.4937% | 4,828 |
| Net charge-offs to loans | 0.0347% | 4,443 |
| Credit loss provision to net charge-offs | 206.6508% | 1,175 |
| Earnings coverage of net charge-offs (x) | 12.0427% | 2,181 |
| Efficiency ratio | 89.2427% | 1,061 |
| Assets per employee ($millions) | 5.9751% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 5,640 |
| Loan loss allowance to noncurrent loans | 127.2989% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7121% | 4,323 |
| Noncurrent loans to loans | 0.8001% | 4,242 |
| Net loans and leases to total assets | 86.3478% | 136 |
| Net loans and leases to deposits | 107.9483% | 194 |
| Net loans and leases to core deposits | 112.2122% | 499 |
| Total domestic deposits to total assets | 79.9899% | 5,514 |
| Equity capital to assets | 9.2194% | 4,908 |
| Core capital (leverage) ratio | 9.8969% | 3,817 |
| Tier 1 risk-based capital ratio | 12.1493% | 5,683 |
| Total risk-based capital ratio | 13.3116% | 5,678 |
| Memoranda: | ||
| Average total assets | $1,862,213,000 | 377 |
| Average earning assets | $1,728,082,500 | 365 |
| Average equity | $181,947,500 | 422 |
| Average total loans | $1,615,574,500 | 295 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5973% | 5,443 |
| Cost of funding earning assets | 0.5841% | 3,093 |
| Net interest margin | 3.0132% | 5,540 |
| Noninterest income to average assets | 0.7174% | 2,561 |
| Noninterest expense to average assets | 3.1153% | 2,620 |
| Loan and lease loss provision to assets | 0.0720% | 3,600 |
| Net operating income to assets | 0.2432% | 5,791 |
| Return on assets (ROA) | 0.2461% | 5,911 |
| Pretax return on assets | 0.3312% | 5,795 |
| Return on Equity (ROE) | 2.4679% | 5,810 |
| Retained earnings to average equity (ytd only) | 2.4679% | 4,734 |
| Net charge-offs to loans | 0.0481% | 4,007 |
| Credit loss provision to net charge-offs | 172.8232% | 1,367 |
| Earnings coverage of net charge-offs (x) | 9.5831% | 2,261 |
| Efficiency ratio | 88.6418% | 1,157 |
| Assets per employee ($millions) | 5.5292% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 5,497 |
| Loan loss allowance to noncurrent loans | 122.1990% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.8059% | 4,213 |
| Noncurrent loans to loans | 0.8895% | 4,148 |
| Net loans and leases to total assets | 86.5182% | 131 |
| Net loans and leases to deposits | 106.4126% | 216 |
| Net loans and leases to core deposits | 110.3578% | 551 |
| Total domestic deposits to total assets | 81.3044% | 5,262 |
| Equity capital to assets | 9.9138% | 4,027 |
| Core capital (leverage) ratio | 10.2723% | 3,135 |
| Tier 1 risk-based capital ratio | 12.9449% | 5,182 |
| Total risk-based capital ratio | 14.1758% | 5,136 |
| Memoranda: | ||
| Average total assets | $1,819,718,000 | 378 |
| Average earning assets | $1,689,210,330 | 371 |
| Average equity | $181,450,330 | 423 |
| Average total loans | $1,575,520,000 | 299 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5889% | 5,481 |
| Cost of funding earning assets | 0.5827% | 3,272 |
| Net interest margin | 3.0062% | 5,552 |
| Noninterest income to average assets | 0.8066% | 2,100 |
| Noninterest expense to average assets | 3.1622% | 2,475 |
| Loan and lease loss provision to assets | 0.0882% | 3,190 |
| Net operating income to assets | 0.2536% | 5,715 |
| Return on assets (ROA) | 0.2536% | 5,834 |
| Pretax return on assets | 0.3432% | 5,740 |
| Return on Equity (ROE) | 2.5361% | 5,761 |
| Retained earnings to average equity (ytd only) | 2.5361% | 4,755 |
| Net charge-offs to loans | 0.0760% | 3,087 |
| Credit loss provision to net charge-offs | 134.7973% | 1,472 |
| Earnings coverage of net charge-offs (x) | 6.5912% | 2,195 |
| Efficiency ratio | 87.9953% | 1,327 |
| Assets per employee ($millions) | 5.4292% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 5,590 |
| Loan loss allowance to noncurrent loans | 124.5920% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.8042% | 4,362 |
| Noncurrent loans to loans | 0.8868% | 4,367 |
| Net loans and leases to total assets | 86.3284% | 113 |
| Net loans and leases to deposits | 108.2097% | 154 |
| Net loans and leases to core deposits | 112.2820% | 431 |
| Total domestic deposits to total assets | 79.7787% | 5,801 |
| Equity capital to assets | 10.1076% | 4,008 |
| Core capital (leverage) ratio | 10.4797% | 2,807 |
| Tier 1 risk-based capital ratio | 13.1141% | 5,135 |
| Total risk-based capital ratio | 14.3594% | 5,091 |
| Memoranda: | ||
| Average total assets | $1,808,968,500 | 387 |
| Average earning assets | $1,677,083,000 | 379 |
| Average equity | $180,908,000 | 428 |
| Average total loans | $1,558,034,000 | 305 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9702% | 5,397 |
| Cost of funding earning assets | 0.6264% | 4,130 |
| Net interest margin | 3.3439% | 5,094 |
| Noninterest income to average assets | 0.5181% | 3,783 |
| Noninterest expense to average assets | 3.2217% | 2,545 |
| Loan and lease loss provision to assets | 0.0807% | 4,692 |
| Net operating income to assets | 0.2340% | 5,690 |
| Return on assets (ROA) | 0.2340% | 5,887 |
| Pretax return on assets | 0.3115% | 5,800 |
| Return on Equity (ROE) | 2.2450% | 5,836 |
| Retained earnings to average equity (ytd only) | 2.2450% | 4,660 |
| Net charge-offs to loans | 0.1177% | 4,512 |
| Credit loss provision to net charge-offs | 81.9477% | 3,768 |
| Earnings coverage of net charge-offs (x) | 3.9828% | 3,528 |
| Efficiency ratio | 89.1478% | 1,136 |
| Assets per employee ($millions) | 5.5684% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 5,495 |
| Loan loss allowance to noncurrent loans | 125.0109% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.7870% | 4,495 |
| Noncurrent loans to loans | 0.8907% | 4,393 |
| Net loans and leases to total assets | 84.0328% | 212 |
| Net loans and leases to deposits | 109.7497% | 160 |
| Net loans and leases to core deposits | 113.8525% | 418 |
| Total domestic deposits to total assets | 76.5677% | 6,279 |
| Equity capital to assets | 9.8950% | 4,320 |
| Core capital (leverage) ratio | 10.4496% | 2,829 |
| Tier 1 risk-based capital ratio | 13.2083% | 4,959 |
| Total risk-based capital ratio | 14.4583% | 4,899 |
| Memoranda: | ||
| Average total assets | $1,710,176,200 | 402 |
| Average earning assets | $1,583,284,400 | 390 |
| Average equity | $178,265,800 | 421 |
| Average total loans | $1,430,414,800 | 314 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9646% | 5,623 |
| Cost of funding earning assets | 0.6367% | 4,300 |
| Net interest margin | 3.3279% | 5,284 |
| Noninterest income to average assets | 0.3950% | 4,676 |
| Noninterest expense to average assets | 3.3187% | 2,221 |
| Loan and lease loss provision to assets | 0.0844% | 4,556 |
| Net operating income to assets | 0.0675% | 6,181 |
| Return on assets (ROA) | 0.0675% | 6,320 |
| Pretax return on assets | 0.0746% | 6,305 |
| Return on Equity (ROE) | 0.6389% | 6,321 |
| Retained earnings to average equity (ytd only) | 0.6389% | 5,903 |
| Net charge-offs to loans | 0.0645% | 4,777 |
| Credit loss provision to net charge-offs | 157.0796% | 1,790 |
| Earnings coverage of net charge-offs (x) | 2.9602% | 3,840 |
| Efficiency ratio | 95.4268% | 697 |
| Assets per employee ($millions) | 5.4135% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 5,338 |
| Loan loss allowance to noncurrent loans | 135.3474% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.8259% | 4,640 |
| Noncurrent loans to loans | 0.8781% | 4,668 |
| Net loans and leases to total assets | 84.9483% | 186 |
| Net loans and leases to deposits | 112.5549% | 126 |
| Net loans and leases to core deposits | 116.3026% | 379 |
| Total domestic deposits to total assets | 75.4727% | 6,458 |
| Equity capital to assets | 10.1430% | 4,288 |
| Core capital (leverage) ratio | 10.5541% | 2,856 |
| Tier 1 risk-based capital ratio | 13.2670% | 5,043 |
| Total risk-based capital ratio | 14.5179% | 5,009 |
| Memoranda: | ||
| Average total assets | $1,682,505,750 | 407 |
| Average earning assets | $1,558,551,000 | 394 |
| Average equity | $177,788,750 | 422 |
| Average total loans | $1,401,181,750 | 320 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9824% | 5,702 |
| Cost of funding earning assets | 0.6493% | 4,449 |
| Net interest margin | 3.3330% | 5,333 |
| Noninterest income to average assets | 0.4004% | 4,646 |
| Noninterest expense to average assets | 3.0719% | 3,008 |
| Loan and lease loss provision to assets | 0.1025% | 4,239 |
| Net operating income to assets | 0.2328% | 5,815 |
| Return on assets (ROA) | 0.2328% | 6,003 |
| Pretax return on assets | 0.3107% | 5,947 |
| Return on Equity (ROE) | 2.1727% | 5,990 |
| Retained earnings to average equity (ytd only) | 2.1727% | 5,104 |
| Net charge-offs to loans | 0.0668% | 4,497 |
| Credit loss provision to net charge-offs | 186.4035% | 1,517 |
| Earnings coverage of net charge-offs (x) | 7.5154% | 2,465 |
| Efficiency ratio | 88.1435% | 1,226 |
| Assets per employee ($millions) | 5.2344% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 5,126 |
| Loan loss allowance to noncurrent loans | 133.0093% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.8242% | 4,748 |
| Noncurrent loans to loans | 0.9389% | 4,633 |
| Net loans and leases to total assets | 84.1086% | 209 |
| Net loans and leases to deposits | 109.6176% | 154 |
| Net loans and leases to core deposits | 112.9689% | 479 |
| Total domestic deposits to total assets | 76.7291% | 6,373 |
| Equity capital to assets | 10.6121% | 3,557 |
| Core capital (leverage) ratio | 11.0649% | 2,239 |
| Tier 1 risk-based capital ratio | 13.9584% | 4,474 |
| Total risk-based capital ratio | 15.2100% | 4,443 |
| Memoranda: | ||
| Average total assets | $1,658,686,670 | 411 |
| Average earning assets | $1,535,113,330 | 399 |
| Average equity | $177,750,000 | 420 |
| Average total loans | $1,365,615,330 | 328 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0447% | 5,624 |
| Cost of funding earning assets | 0.6719% | 4,523 |
| Net interest margin | 3.3728% | 5,231 |
| Noninterest income to average assets | 0.3066% | 5,432 |
| Noninterest expense to average assets | 3.0446% | 3,097 |
| Loan and lease loss provision to assets | 0.0802% | 4,390 |
| Net operating income to assets | 0.2312% | 5,885 |
| Return on assets (ROA) | 0.2312% | 6,032 |
| Pretax return on assets | 0.3024% | 5,970 |
| Return on Equity (ROE) | 2.1468% | 6,022 |
| Retained earnings to average equity (ytd only) | 2.1468% | 5,188 |
| Net charge-offs to loans | 0.0409% | 4,124 |
| Credit loss provision to net charge-offs | 242.6471% | 1,172 |
| Earnings coverage of net charge-offs (x) | 11.5735% | 1,662 |
| Efficiency ratio | 88.8345% | 1,197 |
| Assets per employee ($millions) | 5.4033% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 4,952 |
| Loan loss allowance to noncurrent loans | 108.5017% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.9866% | 4,531 |
| Noncurrent loans to loans | 1.2126% | 4,306 |
| Net loans and leases to total assets | 79.3775% | 465 |
| Net loans and leases to deposits | 100.3058% | 360 |
| Net loans and leases to core deposits | 103.4453% | 794 |
| Total domestic deposits to total assets | 79.1356% | 6,044 |
| Equity capital to assets | 10.6271% | 3,353 |
| Core capital (leverage) ratio | 11.1765% | 2,128 |
| Tier 1 risk-based capital ratio | 14.7963% | 3,894 |
| Total risk-based capital ratio | 16.0488% | 3,854 |
| Memoranda: | ||
| Average total assets | $1,645,287,000 | 412 |
| Average earning assets | $1,522,283,000 | 402 |
| Average equity | $177,192,500 | 420 |
| Average total loans | $1,330,640,500 | 331 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9805% | 6,490 |
| Cost of funding earning assets | 0.7397% | 5,282 |
| Net interest margin | 3.2408% | 5,980 |
| Noninterest income to average assets | 0.3588% | 4,943 |
| Noninterest expense to average assets | 3.1219% | 3,124 |
| Loan and lease loss provision to assets | 0.2588% | 3,622 |
| Net operating income to assets | 0.0249% | 5,995 |
| Return on assets (ROA) | 0.0306% | 6,103 |
| Pretax return on assets | 0.0217% | 6,086 |
| Return on Equity (ROE) | 0.3319% | 6,095 |
| Retained earnings to average equity (ytd only) | 0.3319% | 5,680 |
| Net charge-offs to loans | 0.5980% | 2,654 |
| Credit loss provision to net charge-offs | 56.0966% | 5,271 |
| Earnings coverage of net charge-offs (x) | 0.5958% | 5,380 |
| Efficiency ratio | 91.9076% | 1,050 |
| Assets per employee ($millions) | 5.4031% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 4,733 |
| Loan loss allowance to noncurrent loans | 113.1088% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.9808% | 4,649 |
| Noncurrent loans to loans | 1.1797% | 4,401 |
| Net loans and leases to total assets | 80.2469% | 468 |
| Net loans and leases to deposits | 103.2000% | 334 |
| Net loans and leases to core deposits | 107.1045% | 752 |
| Total domestic deposits to total assets | 77.7586% | 6,239 |
| Equity capital to assets | 10.9176% | 3,060 |
| Core capital (leverage) ratio | 10.9747% | 2,287 |
| Tier 1 risk-based capital ratio | 14.9496% | 3,669 |
| Total risk-based capital ratio | 16.2023% | 3,625 |
| Memoranda: | ||
| Average total assets | $1,580,314,200 | 419 |
| Average earning assets | $1,481,438,400 | 400 |
| Average equity | $145,516,600 | 479 |
| Average total loans | $1,219,133,200 | 354 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9716% | 6,632 |
| Cost of funding earning assets | 0.7406% | 5,516 |
| Net interest margin | 3.2310% | 6,077 |
| Noninterest income to average assets | 0.3709% | 4,902 |
| Noninterest expense to average assets | 3.1095% | 3,120 |
| Loan and lease loss provision to assets | 0.0764% | 5,494 |
| Net operating income to assets | 0.1606% | 5,798 |
| Return on assets (ROA) | 0.1660% | 5,915 |
| Pretax return on assets | 0.2324% | 5,836 |
| Return on Equity (ROE) | 1.8925% | 5,812 |
| Retained earnings to average equity (ytd only) | 1.8925% | 5,194 |
| Net charge-offs to loans | 0.6179% | 2,396 |
| Credit loss provision to net charge-offs | 16.2455% | 5,606 |
| Earnings coverage of net charge-offs (x) | 0.6408% | 5,144 |
| Efficiency ratio | 91.1692% | 1,094 |
| Assets per employee ($millions) | 5.7831% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 4,965 |
| Loan loss allowance to noncurrent loans | 87.2682% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.1051% | 4,564 |
| Noncurrent loans to loans | 1.5012% | 4,039 |
| Net loans and leases to total assets | 71.5506% | 1,809 |
| Net loans and leases to deposits | 91.2341% | 1,080 |
| Net loans and leases to core deposits | 95.3922% | 1,660 |
| Total domestic deposits to total assets | 78.4253% | 6,110 |
| Equity capital to assets | 10.6572% | 3,505 |
| Core capital (leverage) ratio | 10.7519% | 2,616 |
| Tier 1 risk-based capital ratio | 16.1774% | 3,024 |
| Total risk-based capital ratio | 17.4281% | 2,986 |
| Memoranda: | ||
| Average total assets | $1,571,507,500 | 423 |
| Average earning assets | $1,478,469,750 | 402 |
| Average equity | $137,801,250 | 509 |
| Average total loans | $1,195,428,000 | 359 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0932% | 6,503 |
| Cost of funding earning assets | 0.7686% | 5,570 |
| Net interest margin | 3.3247% | 5,788 |
| Noninterest income to average assets | 0.3441% | 5,128 |
| Noninterest expense to average assets | 3.2287% | 2,808 |
| Loan and lease loss provision to assets | 0.0784% | 5,331 |
| Net operating income to assets | 0.1187% | 5,969 |
| Return on assets (ROA) | 0.1187% | 6,056 |
| Pretax return on assets | 0.1686% | 5,982 |
| Return on Equity (ROE) | 1.4699% | 5,950 |
| Retained earnings to average equity (ytd only) | 1.4699% | 5,249 |
| Net charge-offs to loans | 0.9156% | 1,699 |
| Credit loss provision to net charge-offs | 11.0660% | 5,238 |
| Earnings coverage of net charge-offs (x) | 0.3486% | 5,046 |
| Efficiency ratio | 92.8942% | 1,044 |
| Assets per employee ($millions) | 5.6398% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 4,917 |
| Loan loss allowance to noncurrent loans | 85.0955% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.0926% | 4,705 |
| Noncurrent loans to loans | 1.5651% | 4,065 |
| Net loans and leases to total assets | 68.5327% | 2,511 |
| Net loans and leases to deposits | 86.1503% | 1,773 |
| Net loans and leases to core deposits | 90.3857% | 2,322 |
| Total domestic deposits to total assets | 79.5501% | 5,945 |
| Equity capital to assets | 10.4558% | 3,563 |
| Core capital (leverage) ratio | 11.9854% | 1,605 |
| Tier 1 risk-based capital ratio | 16.6758% | 2,659 |
| Total risk-based capital ratio | 17.9297% | 2,618 |
| Memoranda: | ||
| Average total assets | $1,530,529,670 | 442 |
| Average earning assets | $1,441,646,670 | 419 |
| Average equity | $123,541,670 | 568 |
| Average total loans | $1,184,412,000 | 367 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3674% | 5,801 |
| Cost of funding earning assets | 0.8263% | 5,418 |
| Net interest margin | 3.5411% | 4,845 |
| Noninterest income to average assets | 0.3675% | 4,972 |
| Noninterest expense to average assets | 3.2488% | 2,709 |
| Loan and lease loss provision to assets | 0.0836% | 4,951 |
| Net operating income to assets | 0.2831% | 5,492 |
| Return on assets (ROA) | 0.2831% | 5,557 |
| Pretax return on assets | 0.3541% | 5,489 |
| Return on Equity (ROE) | 4.2606% | 4,766 |
| Retained earnings to average equity (ytd only) | 4.2606% | 3,612 |
| Net charge-offs to loans | 0.1601% | 3,525 |
| Credit loss provision to net charge-offs | 63.5593% | 3,478 |
| Earnings coverage of net charge-offs (x) | 3.3284% | 2,776 |
| Efficiency ratio | 88.1273% | 1,502 |
| Assets per employee ($millions) | 4.9990% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7442% | 3,199 |
| Loan loss allowance to noncurrent loans | 96.1875% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.4859% | 4,029 |
| Noncurrent loans to loans | 1.8134% | 3,810 |
| Net loans and leases to total assets | 79.6232% | 548 |
| Net loans and leases to deposits | 98.5166% | 544 |
| Net loans and leases to core deposits | 104.2913% | 1,043 |
| Total domestic deposits to total assets | 80.8221% | 5,714 |
| Equity capital to assets | 6.5907% | 7,187 |
| Core capital (leverage) ratio | 6.7670% | 7,092 |
| Tier 1 risk-based capital ratio | 9.1173% | 7,208 |
| Total risk-based capital ratio | 10.3757% | 7,213 |
| Memoranda: | ||
| Average total assets | $1,435,719,500 | 481 |
| Average earning assets | $1,345,693,500 | 460 |
| Average equity | $95,385,000 | 708 |
| Average total loans | $1,179,229,500 | 377 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7784% | 5,494 |
| Cost of funding earning assets | 0.9098% | 6,133 |
| Net interest margin | 3.8686% | 3,646 |
| Noninterest income to average assets | 0.3823% | 5,041 |
| Noninterest expense to average assets | 3.1200% | 3,384 |
| Loan and lease loss provision to assets | 0.4899% | 3,209 |
| Net operating income to assets | 0.2700% | 5,035 |
| Return on assets (ROA) | 0.3564% | 4,881 |
| Pretax return on assets | 0.5102% | 4,587 |
| Return on Equity (ROE) | 5.0844% | 4,033 |
| Retained earnings to average equity (ytd only) | 5.0844% | 2,363 |
| Net charge-offs to loans | 0.2041% | 5,062 |
| Credit loss provision to net charge-offs | 294.1125% | 914 |
| Earnings coverage of net charge-offs (x) | 5.2632% | 2,674 |
| Efficiency ratio | 78.0629% | 2,701 |
| Assets per employee ($millions) | 5.0961% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 2,998 |
| Loan loss allowance to noncurrent loans | 116.9958% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 1.2677% | 4,497 |
| Noncurrent loans to loans | 1.5024% | 4,221 |
| Net loans and leases to total assets | 81.7995% | 466 |
| Net loans and leases to deposits | 103.2206% | 436 |
| Net loans and leases to core deposits | 109.4290% | 951 |
| Total domestic deposits to total assets | 79.2472% | 6,020 |
| Equity capital to assets | 6.6981% | 7,207 |
| Core capital (leverage) ratio | 6.4712% | 7,202 |
| Tier 1 risk-based capital ratio | 9.0117% | 7,244 |
| Total risk-based capital ratio | 10.2706% | 7,248 |
| Memoranda: | ||
| Average total assets | $1,366,264,400 | 497 |
| Average earning assets | $1,276,497,000 | 478 |
| Average equity | $95,764,000 | 700 |
| Average total loans | $1,115,092,600 | 402 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8078% | 5,626 |
| Cost of funding earning assets | 0.9089% | 6,364 |
| Net interest margin | 3.8989% | 3,525 |
| Noninterest income to average assets | 0.3522% | 5,354 |
| Noninterest expense to average assets | 3.0046% | 3,724 |
| Loan and lease loss provision to assets | 0.3633% | 3,714 |
| Net operating income to assets | 0.4283% | 4,635 |
| Return on assets (ROA) | 0.4939% | 4,539 |
| Pretax return on assets | 0.7165% | 4,180 |
| Return on Equity (ROE) | 6.9650% | 3,359 |
| Retained earnings to average equity (ytd only) | 6.9650% | 1,870 |
| Net charge-offs to loans | 0.2194% | 4,630 |
| Credit loss provision to net charge-offs | 203.9823% | 1,742 |
| Earnings coverage of net charge-offs (x) | 5.5293% | 2,726 |
| Efficiency ratio | 75.3173% | 3,075 |
| Assets per employee ($millions) | 5.8309% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 3,669 |
| Loan loss allowance to noncurrent loans | 87.4513% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 1.3809% | 4,403 |
| Noncurrent loans to loans | 1.7926% | 3,956 |
| Net loans and leases to total assets | 75.3631% | 1,519 |
| Net loans and leases to deposits | 92.0122% | 1,444 |
| Net loans and leases to core deposits | 96.0896% | 2,248 |
| Total domestic deposits to total assets | 81.9056% | 5,035 |
| Equity capital to assets | 6.4511% | 7,433 |
| Core capital (leverage) ratio | 6.5639% | 7,318 |
| Tier 1 risk-based capital ratio | 8.9325% | 7,378 |
| Total risk-based capital ratio | 10.1871% | 7,393 |
| Memoranda: | ||
| Average total assets | $1,353,651,250 | 493 |
| Average earning assets | $1,262,757,500 | 477 |
| Average equity | $95,981,750 | 699 |
| Average total loans | $1,098,965,500 | 412 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1129% | 4,389 |
| Cost of funding earning assets | 0.9392% | 6,428 |
| Net interest margin | 4.1737% | 2,247 |
| Noninterest income to average assets | 0.3320% | 5,506 |
| Noninterest expense to average assets | 3.2155% | 2,849 |
| Loan and lease loss provision to assets | 0.1847% | 5,025 |
| Net operating income to assets | 0.5634% | 4,023 |
| Return on assets (ROA) | 0.5634% | 4,174 |
| Pretax return on assets | 0.8242% | 3,801 |
| Return on Equity (ROE) | 7.6771% | 3,028 |
| Retained earnings to average equity (ytd only) | 7.6771% | 1,563 |
| Net charge-offs to loans | 0.2500% | 4,092 |
| Credit loss provision to net charge-offs | 89.0208% | 4,452 |
| Earnings coverage of net charge-offs (x) | 4.8628% | 2,819 |
| Efficiency ratio | 76.1185% | 3,056 |
| Assets per employee ($millions) | 5.3199% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 4,183 |
| Loan loss allowance to noncurrent loans | 82.3763% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 1.5050% | 4,197 |
| Noncurrent loans to loans | 1.7582% | 4,048 |
| Net loans and leases to total assets | 82.0641% | 528 |
| Net loans and leases to deposits | 101.2306% | 637 |
| Net loans and leases to core deposits | 106.2376% | 1,418 |
| Total domestic deposits to total assets | 81.0665% | 5,377 |
| Equity capital to assets | 7.2470% | 7,249 |
| Core capital (leverage) ratio | 7.1925% | 7,074 |
| Tier 1 risk-based capital ratio | 9.1097% | 7,391 |
| Total risk-based capital ratio | 10.3634% | 7,395 |
| Memoranda: | ||
| Average total assets | $1,299,519,670 | 509 |
| Average earning assets | $1,211,914,000 | 495 |
| Average equity | $95,375,000 | 694 |
| Average total loans | $1,078,375,670 | 422 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9205% | 5,357 |
| Cost of funding earning assets | 0.9909% | 6,418 |
| Net interest margin | 3.9296% | 3,201 |
| Noninterest income to average assets | 0.3124% | 5,651 |
| Noninterest expense to average assets | 2.9098% | 4,021 |
| Loan and lease loss provision to assets | 0.1877% | 4,629 |
| Net operating income to assets | 0.5833% | 3,973 |
| Return on assets (ROA) | 0.5833% | 4,117 |
| Pretax return on assets | 0.8851% | 3,522 |
| Return on Equity (ROE) | 7.8954% | 2,939 |
| Retained earnings to average equity (ytd only) | 7.8954% | 1,751 |
| Net charge-offs to loans | 0.4168% | 2,793 |
| Credit loss provision to net charge-offs | 54.3478% | 4,414 |
| Earnings coverage of net charge-offs (x) | 3.1069% | 3,017 |
| Efficiency ratio | 73.0642% | 3,745 |
| Assets per employee ($millions) | 5.4277% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 3,980 |
| Loan loss allowance to noncurrent loans | 73.6538% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.6804% | 3,953 |
| Noncurrent loans to loans | 2.0174% | 3,772 |
| Net loans and leases to total assets | 80.4758% | 772 |
| Net loans and leases to deposits | 99.1827% | 813 |
| Net loans and leases to core deposits | 104.3520% | 1,708 |
| Total domestic deposits to total assets | 81.1389% | 5,405 |
| Equity capital to assets | 7.3234% | 7,200 |
| Core capital (leverage) ratio | 7.3944% | 6,939 |
| Tier 1 risk-based capital ratio | 9.3828% | 7,356 |
| Total risk-based capital ratio | 10.6371% | 7,358 |
| Memoranda: | ||
| Average total assets | $1,278,969,000 | 539 |
| Average earning assets | $1,194,509,500 | 518 |
| Average equity | $94,485,000 | 703 |
| Average total loans | $1,059,395,000 | 444 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3995% | 4,699 |
| Cost of funding earning assets | 1.5669% | 5,194 |
| Net interest margin | 3.8326% | 3,564 |
| Noninterest income to average assets | 0.3246% | 5,759 |
| Noninterest expense to average assets | 3.1458% | 3,566 |
| Loan and lease loss provision to assets | 0.6661% | 3,148 |
| Net operating income to assets | 0.0863% | 5,252 |
| Return on assets (ROA) | 0.0750% | 5,318 |
| Pretax return on assets | 0.0898% | 5,241 |
| Return on Equity (ROE) | 0.9657% | 5,244 |
| Retained earnings to average equity (ytd only) | 0.9657% | 4,356 |
| Net charge-offs to loans | 0.1642% | 5,641 |
| Credit loss provision to net charge-offs | 515.6760% | 597 |
| Earnings coverage of net charge-offs (x) | 5.9562% | 2,460 |
| Efficiency ratio | 80.3483% | 2,834 |
| Assets per employee ($millions) | 5.4578% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5470% | 3,492 |
| Loan loss allowance to noncurrent loans | 109.9091% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 4,664 |
| Noncurrent loans to loans | 1.4076% | 4,577 |
| Net loans and leases to total assets | 82.7176% | 572 |
| Net loans and leases to deposits | 102.7347% | 711 |
| Net loans and leases to core deposits | 124.6722% | 1,594 |
| Total domestic deposits to total assets | 80.5157% | 5,507 |
| Equity capital to assets | 7.4542% | 7,066 |
| Core capital (leverage) ratio | 7.3668% | 6,917 |
| Tier 1 risk-based capital ratio | 9.2244% | 7,367 |
| Total risk-based capital ratio | 10.4671% | 7,366 |
| Memoranda: | ||
| Average total assets | $1,185,203,400 | 562 |
| Average earning assets | $1,110,368,000 | 544 |
| Average equity | $92,060,800 | 705 |
| Average total loans | $932,277,800 | 511 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3659% | 5,110 |
| Cost of funding earning assets | 1.6903% | 4,949 |
| Net interest margin | 3.6756% | 4,184 |
| Noninterest income to average assets | 0.3741% | 5,523 |
| Noninterest expense to average assets | 3.0545% | 3,824 |
| Loan and lease loss provision to assets | 0.6939% | 2,654 |
| Net operating income to assets | 0.0506% | 5,607 |
| Return on assets (ROA) | 0.0506% | 5,637 |
| Pretax return on assets | 0.0754% | 5,568 |
| Return on Equity (ROE) | 0.6442% | 5,596 |
| Retained earnings to average equity (ytd only) | 0.6442% | 4,923 |
| Net charge-offs to loans | 0.1693% | 5,038 |
| Credit loss provision to net charge-offs | 530.7424% | 737 |
| Earnings coverage of net charge-offs (x) | 5.8838% | 2,712 |
| Efficiency ratio | 79.8823% | 2,863 |
| Assets per employee ($millions) | 5.3692% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 3,777 |
| Loan loss allowance to noncurrent loans | 97.0066% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 1.2909% | 4,496 |
| Noncurrent loans to loans | 1.4745% | 4,469 |
| Net loans and leases to total assets | 80.9794% | 979 |
| Net loans and leases to deposits | 99.8868% | 1,114 |
| Net loans and leases to core deposits | 123.2610% | 1,971 |
| Total domestic deposits to total assets | 81.0712% | 5,054 |
| Equity capital to assets | 7.7267% | 7,126 |
| Core capital (leverage) ratio | 7.5463% | 6,924 |
| Tier 1 risk-based capital ratio | 9.8779% | 7,071 |
| Total risk-based capital ratio | 11.1325% | 7,034 |
| Memoranda: | ||
| Average total assets | $1,167,682,250 | 585 |
| Average earning assets | $1,095,923,000 | 566 |
| Average equity | $91,683,000 | 711 |
| Average total loans | $901,682,250 | 543 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3604% | 5,352 |
| Cost of funding earning assets | 1.8479% | 4,524 |
| Net interest margin | 3.5124% | 4,750 |
| Noninterest income to average assets | 0.3709% | 5,546 |
| Noninterest expense to average assets | 2.9866% | 4,140 |
| Loan and lease loss provision to assets | 0.9621% | 1,758 |
| Net operating income to assets | -0.1855% | 6,163 |
| Return on assets (ROA) | -0.1855% | 6,189 |
| Pretax return on assets | -0.2811% | 6,217 |
| Return on Equity (ROE) | -2.3497% | 6,276 |
| Retained earnings to average equity (ytd only) | -2.3497% | 5,824 |
| Net charge-offs to loans | 0.0970% | 5,197 |
| Credit loss provision to net charge-offs | 1,313.7441% | 378 |
| Earnings coverage of net charge-offs (x) | 9.2986% | 2,151 |
| Efficiency ratio | 81.4319% | 2,805 |
| Assets per employee ($millions) | 5.5486% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 2,722 |
| Loan loss allowance to noncurrent loans | 108.6554% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 1.0994% | 4,763 |
| Noncurrent loans to loans | 1.4761% | 4,278 |
| Net loans and leases to total assets | 73.2846% | 2,886 |
| Net loans and leases to deposits | 89.9280% | 2,845 |
| Net loans and leases to core deposits | 113.2589% | 2,993 |
| Total domestic deposits to total assets | 81.4926% | 4,897 |
| Equity capital to assets | 7.5324% | 7,235 |
| Core capital (leverage) ratio | 7.3986% | 7,136 |
| Tier 1 risk-based capital ratio | 9.8389% | 7,091 |
| Total risk-based capital ratio | 11.0902% | 7,027 |
| Memoranda: | ||
| Average total assets | $1,152,431,330 | 601 |
| Average earning assets | $1,081,643,000 | 588 |
| Average equity | $90,991,000 | 722 |
| Average total loans | $869,946,000 | 574 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4908% | 4,962 |
| Cost of funding earning assets | 1.8557% | 4,848 |
| Net interest margin | 3.6351% | 4,166 |
| Noninterest income to average assets | 0.3314% | 5,797 |
| Noninterest expense to average assets | 2.9684% | 3,899 |
| Loan and lease loss provision to assets | 0.9863% | 1,314 |
| Net operating income to assets | -0.1402% | 6,469 |
| Return on assets (ROA) | -0.1402% | 6,573 |
| Pretax return on assets | -0.2125% | 6,586 |
| Return on Equity (ROE) | -1.7332% | 6,632 |
| Retained earnings to average equity (ytd only) | -1.7332% | 6,046 |
| Net charge-offs to loans | 0.0698% | 4,502 |
| Credit loss provision to net charge-offs | 1,859.7315% | 345 |
| Earnings coverage of net charge-offs (x) | 14.5906% | 1,657 |
| Efficiency ratio | 79.3228% | 2,941 |
| Assets per employee ($millions) | 5.3886% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 3,626 |
| Loan loss allowance to noncurrent loans | 175.7723% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.5895% | 5,713 |
| Noncurrent loans to loans | 0.7842% | 5,480 |
| Net loans and leases to total assets | 74.1374% | 2,716 |
| Net loans and leases to deposits | 96.1620% | 1,916 |
| Net loans and leases to core deposits | 121.5105% | 2,292 |
| Total domestic deposits to total assets | 77.0963% | 6,252 |
| Equity capital to assets | 7.9174% | 6,933 |
| Core capital (leverage) ratio | 8.0692% | 6,345 |
| Tier 1 risk-based capital ratio | 11.0935% | 5,814 |
| Total risk-based capital ratio | 12.3475% | 5,721 |
| Memoranda: | ||
| Average total assets | $1,123,850,000 | 616 |
| Average earning assets | $1,054,482,000 | 599 |
| Average equity | $90,931,000 | 729 |
| Average total loans | $854,471,500 | 580 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8907% | 6,084 |
| Cost of funding earning assets | 2.3438% | 4,953 |
| Net interest margin | 3.5469% | 5,113 |
| Noninterest income to average assets | 0.4343% | 5,179 |
| Noninterest expense to average assets | 2.7899% | 4,863 |
| Loan and lease loss provision to assets | 0.2050% | 4,837 |
| Net operating income to assets | 0.5716% | 4,436 |
| Return on assets (ROA) | 0.1884% | 5,704 |
| Pretax return on assets | 0.2478% | 5,634 |
| Return on Equity (ROE) | 2.1492% | 5,560 |
| Retained earnings to average equity (ytd only) | 2.1492% | 3,894 |
| Net charge-offs to loans | 0.0377% | 6,273 |
| Credit loss provision to net charge-offs | 732.5260% | 570 |
| Earnings coverage of net charge-offs (x) | 34.1938% | 1,061 |
| Efficiency ratio | 74.4605% | 3,498 |
| Assets per employee ($millions) | 5.1147% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 4,691 |
| Loan loss allowance to noncurrent loans | 170.1197% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 5,574 |
| Noncurrent loans to loans | 0.6947% | 5,299 |
| Net loans and leases to total assets | 76.0246% | 2,614 |
| Net loans and leases to deposits | 101.9675% | 1,594 |
| Net loans and leases to core deposits | 126.3947% | 2,132 |
| Total domestic deposits to total assets | 74.5577% | 6,545 |
| Equity capital to assets | 8.2740% | 6,453 |
| Core capital (leverage) ratio | 8.2959% | 5,958 |
| Tier 1 risk-based capital ratio | 11.2590% | 5,478 |
| Total risk-based capital ratio | 12.5093% | 5,362 |
| Memoranda: | ||
| Average total assets | $1,032,704,800 | 642 |
| Average earning assets | $964,450,400 | 620 |
| Average equity | $90,545,000 | 735 |
| Average total loans | $765,682,800 | 625 |