Home > 1st United Bank > Performance and Condition Ratios
1st United Bank, Performance and Condition Ratios
| 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 | 5.0507% | 705 |
| Cost of funding earning assets | 0.2223% | 5,644 |
| Net interest margin | 4.8284% | 403 |
| Noninterest income to average assets | -0.1897% | 6,552 |
| Noninterest expense to average assets | 2.9273% | 3,033 |
| Loan and lease loss provision to assets | 0.0968% | 2,427 |
| Net operating income to assets | 0.5954% | 4,460 |
| Return on assets (ROA) | 0.5873% | 4,585 |
| Pretax return on assets | 0.9703% | 3,715 |
| Return on Equity (ROE) | 4.6353% | 4,886 |
| Retained earnings to average equity (ytd only) | 3.9083% | 3,870 |
| Net charge-offs to loans | 0.1700% | 2,098 |
| Credit loss provision to net charge-offs | 85.8407% | 2,498 |
| Earnings coverage of net charge-offs (x) | 9.5773% | 2,654 |
| Efficiency ratio | 71.9712% | 3,183 |
| Assets per employee ($millions) | 6.0412% | 1,308 |
| Cash dividends to net income (ytd only)* | 15.6842% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 5,870 |
| Loan loss allowance to noncurrent loans | 37.5423% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 2.1280% | 1,315 |
| Noncurrent loans to loans | 2.1320% | 1,455 |
| Net loans and leases to total assets | 69.6630% | 2,248 |
| Net loans and leases to deposits | 84.2033% | 2,122 |
| Net loans and leases to core deposits | 91.1673% | 2,099 |
| Total domestic deposits to total assets | 82.7320% | 4,227 |
| Equity capital to assets | 13.4701% | 1,195 |
| Core capital (leverage) ratio | 9.6255% | 4,196 |
| Tier 1 risk-based capital ratio | 13.5797% | 4,485 |
| Total risk-based capital ratio | 14.3930% | 4,703 |
| Memoranda: | ||
| Average total assets | $1,737,093,000 | 413 |
| Average earning assets | $1,509,863,000 | 422 |
| Average equity | $220,075,250 | 367 |
| Average total loans | $1,152,122,500 | 405 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0581% | 670 |
| Cost of funding earning assets | 0.2233% | 5,718 |
| Net interest margin | 4.8347% | 388 |
| Noninterest income to average assets | -0.2183% | 6,625 |
| Noninterest expense to average assets | 2.9035% | 3,150 |
| Loan and lease loss provision to assets | 0.1037% | 2,291 |
| Net operating income to assets | 0.5740% | 4,486 |
| Return on assets (ROA) | 0.5740% | 4,592 |
| Pretax return on assets | 0.9755% | 3,586 |
| Return on Equity (ROE) | 4.6242% | 4,853 |
| Retained earnings to average equity (ytd only) | 3.5234% | 3,959 |
| Net charge-offs to loans | 0.0940% | 2,734 |
| Credit loss provision to net charge-offs | 169.6462% | 1,336 |
| Earnings coverage of net charge-offs (x) | 17.6480% | 1,723 |
| Efficiency ratio | 71.8133% | 3,380 |
| Assets per employee ($millions) | 5.9064% | 1,348 |
| Cash dividends to net income (ytd only)* | 23.8048% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 5,782 |
| Loan loss allowance to noncurrent loans | 37.8184% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 2.3481% | 1,252 |
| Noncurrent loans to loans | 2.3242% | 1,391 |
| Net loans and leases to total assets | 66.6786% | 2,642 |
| Net loans and leases to deposits | 80.3104% | 2,476 |
| Net loans and leases to core deposits | 86.9017% | 2,426 |
| Total domestic deposits to total assets | 83.0261% | 4,299 |
| Equity capital to assets | 13.1970% | 1,269 |
| Core capital (leverage) ratio | 9.4517% | 4,396 |
| Tier 1 risk-based capital ratio | 13.6240% | 4,507 |
| Total risk-based capital ratio | 14.5011% | 4,691 |
| Memoranda: | ||
| Average total assets | $1,756,309,670 | 404 |
| Average earning assets | $1,526,081,670 | 417 |
| Average equity | $218,026,330 | 370 |
| Average total loans | $1,143,033,000 | 405 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0258% | 683 |
| Cost of funding earning assets | 0.2224% | 5,828 |
| Net interest margin | 4.8035% | 377 |
| Noninterest income to average assets | -0.2722% | 6,696 |
| Noninterest expense to average assets | 2.8286% | 3,458 |
| Loan and lease loss provision to assets | 0.0808% | 2,535 |
| Net operating income to assets | 0.6331% | 4,034 |
| Return on assets (ROA) | 0.6331% | 4,120 |
| Pretax return on assets | 0.9914% | 3,356 |
| Return on Equity (ROE) | 5.2568% | 4,419 |
| Retained earnings to average equity (ytd only) | 3.0262% | 4,295 |
| Net charge-offs to loans | -0.0084% | 4,980 |
| Credit loss provision to net charge-offs | -1,504.1667% | 5,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3933% | 3,593 |
| Assets per employee ($millions) | 6.0440% | 1,274 |
| Cash dividends to net income (ytd only)* | 42.4328% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 5,953 |
| Loan loss allowance to noncurrent loans | 35.2567% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 2.5766% | 1,220 |
| Noncurrent loans to loans | 2.4596% | 1,416 |
| Net loans and leases to total assets | 66.1197% | 2,547 |
| Net loans and leases to deposits | 79.3887% | 2,382 |
| Net loans and leases to core deposits | 86.2681% | 2,296 |
| Total domestic deposits to total assets | 83.2861% | 4,503 |
| Equity capital to assets | 12.5382% | 1,551 |
| Core capital (leverage) ratio | 9.0720% | 4,907 |
| Tier 1 risk-based capital ratio | 13.2194% | 4,882 |
| Total risk-based capital ratio | 14.0988% | 5,040 |
| Memoranda: | ||
| Average total assets | $1,786,903,000 | 399 |
| Average earning assets | $1,552,382,500 | 409 |
| Average equity | $215,187,000 | 371 |
| Average total loans | $1,144,396,000 | 401 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6572% | 282 |
| Cost of funding earning assets | 0.2707% | 5,825 |
| Net interest margin | 5.3865% | 160 |
| Noninterest income to average assets | -0.5580% | 6,796 |
| Noninterest expense to average assets | 3.1714% | 2,507 |
| Loan and lease loss provision to assets | 0.2232% | 1,631 |
| Net operating income to assets | 0.4164% | 5,095 |
| Return on assets (ROA) | 0.4485% | 5,089 |
| Pretax return on assets | 0.7158% | 4,479 |
| Return on Equity (ROE) | 3.4419% | 5,349 |
| Retained earnings to average equity (ytd only) | 0.9871% | 5,397 |
| Net charge-offs to loans | 0.3607% | 1,874 |
| Credit loss provision to net charge-offs | 101.2155% | 2,384 |
| Earnings coverage of net charge-offs (x) | 4.0301% | 3,697 |
| Efficiency ratio | 76.9916% | 2,619 |
| Assets per employee ($millions) | 6.2135% | 1,135 |
| Cash dividends to net income (ytd only)* | 71.3218% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 6,052 |
| Loan loss allowance to noncurrent loans | 30.4178% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 2.7346% | 1,216 |
| Noncurrent loans to loans | 2.8021% | 1,262 |
| Net loans and leases to total assets | 61.0154% | 3,536 |
| Net loans and leases to deposits | 71.7615% | 3,555 |
| Net loans and leases to core deposits | 76.9698% | 3,496 |
| Total domestic deposits to total assets | 85.0251% | 3,738 |
| Equity capital to assets | 11.5749% | 2,115 |
| Core capital (leverage) ratio | 8.8583% | 5,203 |
| Tier 1 risk-based capital ratio | 13.4018% | 4,720 |
| Total risk-based capital ratio | 14.2682% | 4,909 |
| Memoranda: | ||
| Average total assets | $1,641,298,200 | 422 |
| Average earning assets | $1,407,213,200 | 439 |
| Average equity | $213,866,600 | 364 |
| Average total loans | $1,003,725,400 | 429 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6621% | 292 |
| Cost of funding earning assets | 0.2770% | 5,912 |
| Net interest margin | 5.3850% | 167 |
| Noninterest income to average assets | -0.4825% | 6,869 |
| Noninterest expense to average assets | 3.3294% | 2,002 |
| Loan and lease loss provision to assets | 0.2416% | 1,485 |
| Net operating income to assets | 0.3382% | 5,473 |
| Return on assets (ROA) | 0.3824% | 5,458 |
| Pretax return on assets | 0.6104% | 4,981 |
| Return on Equity (ROE) | 2.8427% | 5,662 |
| Retained earnings to average equity (ytd only) | 0.3518% | 5,826 |
| Net charge-offs to loans | 0.3541% | 1,777 |
| Credit loss provision to net charge-offs | 111.7396% | 2,113 |
| Earnings coverage of net charge-offs (x) | 3.6215% | 3,651 |
| Efficiency ratio | 79.8542% | 2,120 |
| Assets per employee ($millions) | 5.6759% | 1,475 |
| Cash dividends to net income (ytd only)* | 87.6233% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 6,094 |
| Loan loss allowance to noncurrent loans | 23.9844% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 3.3696% | 1,027 |
| Noncurrent loans to loans | 3.6892% | 1,002 |
| Net loans and leases to total assets | 64.7406% | 2,862 |
| Net loans and leases to deposits | 78.4613% | 2,592 |
| Net loans and leases to core deposits | 83.1760% | 2,745 |
| Total domestic deposits to total assets | 82.5127% | 4,754 |
| Equity capital to assets | 12.4762% | 1,587 |
| Core capital (leverage) ratio | 8.8121% | 5,395 |
| Tier 1 risk-based capital ratio | 13.3800% | 4,851 |
| Total risk-based capital ratio | 14.2851% | 5,050 |
| Memoranda: | ||
| Average total assets | $1,591,827,000 | 437 |
| Average earning assets | $1,358,248,000 | 451 |
| Average equity | $214,112,500 | 364 |
| Average total loans | $971,699,000 | 437 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7844% | 247 |
| Cost of funding earning assets | 0.2874% | 5,922 |
| Net interest margin | 5.4969% | 134 |
| Noninterest income to average assets | -0.5645% | 6,914 |
| Noninterest expense to average assets | 3.2021% | 2,349 |
| Loan and lease loss provision to assets | 0.2752% | 1,339 |
| Net operating income to assets | 0.3980% | 5,222 |
| Return on assets (ROA) | 0.4584% | 5,153 |
| Pretax return on assets | 0.7330% | 4,564 |
| Return on Equity (ROE) | 3.3194% | 5,496 |
| Retained earnings to average equity (ytd only) | 1.4519% | 5,293 |
| Net charge-offs to loans | 0.3632% | 1,749 |
| Credit loss provision to net charge-offs | 127.4030% | 1,774 |
| Earnings coverage of net charge-offs (x) | 4.2310% | 3,181 |
| Efficiency ratio | 76.7356% | 2,678 |
| Assets per employee ($millions) | 5.4186% | 1,673 |
| Cash dividends to net income (ytd only)* | 56.2588% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 5,521 |
| Loan loss allowance to noncurrent loans | 24.4390% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 3.8521% | 932 |
| Noncurrent loans to loans | 4.4187% | 802 |
| Net loans and leases to total assets | 59.9000% | 3,672 |
| Net loans and leases to deposits | 70.4909% | 3,659 |
| Net loans and leases to core deposits | 75.1379% | 3,656 |
| Total domestic deposits to total assets | 84.9756% | 3,898 |
| Equity capital to assets | 13.6797% | 1,061 |
| Core capital (leverage) ratio | 10.0373% | 3,460 |
| Tier 1 risk-based capital ratio | 16.8512% | 2,768 |
| Total risk-based capital ratio | 17.9776% | 2,797 |
| Memoranda: | ||
| Average total assets | $1,551,064,670 | 444 |
| Average earning assets | $1,320,664,330 | 466 |
| Average equity | $214,197,670 | 357 |
| Average total loans | $922,387,330 | 456 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3355% | 474 |
| Cost of funding earning assets | 0.3002% | 5,964 |
| Net interest margin | 5.0353% | 283 |
| Noninterest income to average assets | -0.2774% | 6,967 |
| Noninterest expense to average assets | 3.1460% | 2,525 |
| Loan and lease loss provision to assets | 0.1670% | 2,191 |
| Net operating income to assets | 0.4313% | 4,997 |
| Return on assets (ROA) | 0.4513% | 5,065 |
| Pretax return on assets | 0.7283% | 4,450 |
| Return on Equity (ROE) | 3.2531% | 5,466 |
| Retained earnings to average equity (ytd only) | -0.4499% | 5,867 |
| Net charge-offs to loans | 0.3988% | 1,456 |
| Credit loss provision to net charge-offs | 71.0383% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.6754% | 2,703 |
| Efficiency ratio | 77.3543% | 2,717 |
| Assets per employee ($millions) | 5.3794% | 1,765 |
| Cash dividends to net income (ytd only)* | 113.8304% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 5,949 |
| Loan loss allowance to noncurrent loans | 20.1293% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 4.2107% | 909 |
| Noncurrent loans to loans | 5.0184% | 761 |
| Net loans and leases to total assets | 58.8668% | 3,635 |
| Net loans and leases to deposits | 69.5519% | 3,564 |
| Net loans and leases to core deposits | 74.0102% | 3,574 |
| Total domestic deposits to total assets | 84.6372% | 4,206 |
| Equity capital to assets | 13.8793% | 1,066 |
| Core capital (leverage) ratio | 10.2800% | 3,040 |
| Tier 1 risk-based capital ratio | 18.0655% | 2,333 |
| Total risk-based capital ratio | 19.1721% | 2,361 |
| Memoranda: | ||
| Average total assets | $1,557,154,000 | 445 |
| Average earning assets | $1,325,843,000 | 466 |
| Average equity | $216,039,000 | 362 |
| Average total loans | $917,653,000 | 459 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7031% | 429 |
| Cost of funding earning assets | 0.4203% | 5,785 |
| Net interest margin | 5.2828% | 238 |
| Noninterest income to average assets | -0.2807% | 6,988 |
| Noninterest expense to average assets | 3.3297% | 2,253 |
| Loan and lease loss provision to assets | 0.4225% | 1,505 |
| Net operating income to assets | 0.2785% | 5,549 |
| Return on assets (ROA) | 0.3498% | 5,514 |
| Pretax return on assets | 0.5579% | 5,111 |
| Return on Equity (ROE) | 2.6028% | 5,710 |
| Retained earnings to average equity (ytd only) | 0.1272% | 5,775 |
| Net charge-offs to loans | 1.0052% | 1,083 |
| Credit loss provision to net charge-offs | 69.9185% | 4,169 |
| Earnings coverage of net charge-offs (x) | 1.4382% | 4,729 |
| Efficiency ratio | 78.2183% | 2,412 |
| Assets per employee ($millions) | 5.3413% | 1,849 |
| Cash dividends to net income (ytd only)* | 95.1113% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 5,746 |
| Loan loss allowance to noncurrent loans | 42.9979% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 2.6842% | 1,797 |
| Noncurrent loans to loans | 2.4524% | 2,167 |
| Net loans and leases to total assets | 57.7813% | 4,018 |
| Net loans and leases to deposits | 68.4586% | 3,907 |
| Net loans and leases to core deposits | 72.8514% | 3,932 |
| Total domestic deposits to total assets | 84.4032% | 4,129 |
| Equity capital to assets | 13.8687% | 1,095 |
| Core capital (leverage) ratio | 10.2687% | 3,053 |
| Tier 1 risk-based capital ratio | 19.0966% | 1,933 |
| Total risk-based capital ratio | 20.2991% | 1,913 |
| Memoranda: | ||
| Average total assets | $1,503,033,600 | 450 |
| Average earning assets | $1,274,460,000 | 475 |
| Average equity | $201,973,600 | 373 |
| Average total loans | $903,545,800 | 455 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7152% | 448 |
| Cost of funding earning assets | 0.4468% | 5,818 |
| Net interest margin | 5.2684% | 260 |
| Noninterest income to average assets | -0.2311% | 7,079 |
| Noninterest expense to average assets | 3.4119% | 1,972 |
| Loan and lease loss provision to assets | 0.4881% | 1,264 |
| Net operating income to assets | 0.2072% | 5,898 |
| Return on assets (ROA) | 0.3030% | 5,808 |
| Pretax return on assets | 0.4855% | 5,505 |
| Return on Equity (ROE) | 2.2742% | 5,953 |
| Retained earnings to average equity (ytd only) | 0.9301% | 5,799 |
| Net charge-offs to loans | 1.2734% | 749 |
| Credit loss provision to net charge-offs | 63.2838% | 4,065 |
| Earnings coverage of net charge-offs (x) | 1.0680% | 4,778 |
| Efficiency ratio | 79.4833% | 2,172 |
| Assets per employee ($millions) | 5.2485% | 1,882 |
| Cash dividends to net income (ytd only)* | 59.1016% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 6,125 |
| Loan loss allowance to noncurrent loans | 42.9253% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 2.5452% | 2,076 |
| Noncurrent loans to loans | 2.3042% | 2,502 |
| Net loans and leases to total assets | 59.7190% | 3,834 |
| Net loans and leases to deposits | 70.4892% | 3,830 |
| Net loans and leases to core deposits | 74.8741% | 3,869 |
| Total domestic deposits to total assets | 84.7209% | 3,875 |
| Equity capital to assets | 14.2061% | 1,075 |
| Core capital (leverage) ratio | 10.1504% | 3,348 |
| Tier 1 risk-based capital ratio | 19.2001% | 1,949 |
| Total risk-based capital ratio | 20.3531% | 1,951 |
| Memoranda: | ||
| Average total assets | $1,488,875,500 | 449 |
| Average earning assets | $1,262,303,750 | 481 |
| Average equity | $198,390,750 | 375 |
| Average total loans | $901,732,500 | 456 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5897% | 587 |
| Cost of funding earning assets | 0.4714% | 5,820 |
| Net interest margin | 5.1184% | 329 |
| Noninterest income to average assets | -0.1009% | 7,092 |
| Noninterest expense to average assets | 3.5097% | 1,764 |
| Loan and lease loss provision to assets | 0.5976% | 1,003 |
| Net operating income to assets | 0.0853% | 6,195 |
| Return on assets (ROA) | 0.2308% | 6,013 |
| Pretax return on assets | 0.3681% | 5,787 |
| Return on Equity (ROE) | 1.7726% | 6,110 |
| Retained earnings to average equity (ytd only) | 0.7293% | 5,768 |
| Net charge-offs to loans | 1.6938% | 539 |
| Credit loss provision to net charge-offs | 58.1703% | 3,850 |
| Earnings coverage of net charge-offs (x) | 0.7188% | 4,691 |
| Efficiency ratio | 81.5781% | 1,953 |
| Assets per employee ($millions) | 5.0954% | 2,037 |
| Cash dividends to net income (ytd only)* | 58.8582% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 6,242 |
| Loan loss allowance to noncurrent loans | 41.1670% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 3.0547% | 1,798 |
| Noncurrent loans to loans | 2.3721% | 2,531 |
| Net loans and leases to total assets | 57.9460% | 4,168 |
| Net loans and leases to deposits | 67.8202% | 4,232 |
| Net loans and leases to core deposits | 71.7259% | 4,326 |
| Total domestic deposits to total assets | 85.4406% | 3,645 |
| Equity capital to assets | 13.4772% | 1,313 |
| Core capital (leverage) ratio | 9.8194% | 3,687 |
| Tier 1 risk-based capital ratio | 18.7551% | 2,046 |
| Total risk-based capital ratio | 19.9032% | 2,040 |
| Memoranda: | ||
| Average total assets | $1,472,566,330 | 454 |
| Average earning assets | $1,251,222,330 | 490 |
| Average equity | $191,700,330 | 383 |
| Average total loans | $893,131,670 | 463 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2610% | 1,188 |
| Cost of funding earning assets | 0.4874% | 5,884 |
| Net interest margin | 4.7736% | 599 |
| Noninterest income to average assets | -0.0535% | 7,144 |
| Noninterest expense to average assets | 3.3986% | 2,012 |
| Loan and lease loss provision to assets | 0.3698% | 1,708 |
| Net operating income to assets | 0.1642% | 6,083 |
| Return on assets (ROA) | 0.2548% | 5,956 |
| Pretax return on assets | 0.4096% | 5,693 |
| Return on Equity (ROE) | 1.9978% | 6,078 |
| Retained earnings to average equity (ytd only) | -0.2319% | 6,034 |
| Net charge-offs to loans | 0.6684% | 1,469 |
| Credit loss provision to net charge-offs | 89.4085% | 2,554 |
| Earnings coverage of net charge-offs (x) | 1.5420% | 3,560 |
| Efficiency ratio | 83.1936% | 1,774 |
| Assets per employee ($millions) | 4.9178% | 2,358 |
| Cash dividends to net income (ytd only)* | 111.6071% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 4,568 |
| Loan loss allowance to noncurrent loans | 34.1385% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 3.5133% | 1,632 |
| Noncurrent loans to loans | 4.1306% | 1,466 |
| Net loans and leases to total assets | 60.9827% | 3,455 |
| Net loans and leases to deposits | 71.1690% | 3,559 |
| Net loans and leases to core deposits | 74.8502% | 3,773 |
| Total domestic deposits to total assets | 85.6873% | 3,693 |
| Equity capital to assets | 12.8294% | 1,527 |
| Core capital (leverage) ratio | 9.0893% | 4,700 |
| Tier 1 risk-based capital ratio | 18.2702% | 2,212 |
| Total risk-based capital ratio | 19.5274% | 2,183 |
| Memoranda: | ||
| Average total assets | $1,406,325,500 | 476 |
| Average earning assets | $1,204,874,500 | 502 |
| Average equity | $179,393,000 | 413 |
| Average total loans | $870,081,000 | 472 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4863% | 1,198 |
| Cost of funding earning assets | 0.5991% | 6,093 |
| Net interest margin | 4.8871% | 524 |
| Noninterest income to average assets | 0.1115% | 6,593 |
| Noninterest expense to average assets | 3.2731% | 2,609 |
| Loan and lease loss provision to assets | 0.5441% | 1,925 |
| Net operating income to assets | 0.2871% | 5,302 |
| Return on assets (ROA) | 0.3052% | 5,384 |
| Pretax return on assets | 0.4945% | 5,008 |
| Return on Equity (ROE) | 2.4472% | 5,490 |
| Retained earnings to average equity (ytd only) | 2.4472% | 4,478 |
| Net charge-offs to loans | 0.8738% | 1,988 |
| Credit loss provision to net charge-offs | 97.0335% | 3,712 |
| Earnings coverage of net charge-offs (x) | 1.8018% | 4,437 |
| Efficiency ratio | 75.4804% | 2,981 |
| Assets per employee ($millions) | 4.9859% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 4,418 |
| Loan loss allowance to noncurrent loans | 29.8997% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 3.8679% | 1,490 |
| Noncurrent loans to loans | 4.7084% | 1,247 |
| Net loans and leases to total assets | 61.0119% | 3,782 |
| Net loans and leases to deposits | 71.2664% | 3,907 |
| Net loans and leases to core deposits | 74.8282% | 4,130 |
| Total domestic deposits to total assets | 85.6109% | 3,528 |
| Equity capital to assets | 12.6839% | 1,667 |
| Core capital (leverage) ratio | 9.1486% | 4,552 |
| Tier 1 risk-based capital ratio | 18.6836% | 1,994 |
| Total risk-based capital ratio | 19.9415% | 1,955 |
| Memoranda: | ||
| Average total assets | $1,286,507,000 | 505 |
| Average earning assets | $1,098,233,000 | 535 |
| Average equity | $160,426,600 | 441 |
| Average total loans | $825,603,800 | 502 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5484% | 1,147 |
| Cost of funding earning assets | 0.6182% | 6,197 |
| Net interest margin | 4.9302% | 477 |
| Noninterest income to average assets | 0.1399% | 6,548 |
| Noninterest expense to average assets | 3.3111% | 2,462 |
| Loan and lease loss provision to assets | 0.5103% | 1,941 |
| Net operating income to assets | 0.3196% | 5,324 |
| Return on assets (ROA) | 0.3196% | 5,496 |
| Pretax return on assets | 0.5178% | 5,099 |
| Return on Equity (ROE) | 2.5752% | 5,595 |
| Retained earnings to average equity (ytd only) | 2.5752% | 4,826 |
| Net charge-offs to loans | 0.7740% | 2,015 |
| Credit loss provision to net charge-offs | 101.7165% | 3,296 |
| Earnings coverage of net charge-offs (x) | 2.0494% | 4,121 |
| Efficiency ratio | 75.3920% | 2,945 |
| Assets per employee ($millions) | 5.1558% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 3,601 |
| Loan loss allowance to noncurrent loans | 42.3774% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 3.0916% | 2,069 |
| Noncurrent loans to loans | 3.8054% | 1,772 |
| Net loans and leases to total assets | 62.0200% | 3,717 |
| Net loans and leases to deposits | 72.9703% | 3,813 |
| Net loans and leases to core deposits | 77.1045% | 4,033 |
| Total domestic deposits to total assets | 84.9935% | 3,767 |
| Equity capital to assets | 12.7607% | 1,750 |
| Core capital (leverage) ratio | 8.9425% | 5,024 |
| Tier 1 risk-based capital ratio | 17.8867% | 2,295 |
| Total risk-based capital ratio | 19.8710% | 2,012 |
| Memoranda: | ||
| Average total assets | $1,254,132,500 | 530 |
| Average earning assets | $1,068,212,750 | 558 |
| Average equity | $155,632,250 | 459 |
| Average total loans | $812,938,000 | 516 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7949% | 723 |
| Cost of funding earning assets | 0.6417% | 6,265 |
| Net interest margin | 5.1532% | 305 |
| Noninterest income to average assets | 0.0620% | 6,994 |
| Noninterest expense to average assets | 3.4892% | 2,009 |
| Loan and lease loss provision to assets | 0.5326% | 1,832 |
| Net operating income to assets | 0.2494% | 5,565 |
| Return on assets (ROA) | 0.2494% | 5,687 |
| Pretax return on assets | 0.4092% | 5,365 |
| Return on Equity (ROE) | 2.0290% | 5,776 |
| Retained earnings to average equity (ytd only) | 2.0290% | 4,964 |
| Net charge-offs to loans | 0.7608% | 1,978 |
| Credit loss provision to net charge-offs | 107.0288% | 2,885 |
| Earnings coverage of net charge-offs (x) | 1.8927% | 3,916 |
| Efficiency ratio | 77.8444% | 2,737 |
| Assets per employee ($millions) | 5.0644% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 3,688 |
| Loan loss allowance to noncurrent loans | 59.8912% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 2.5085% | 2,660 |
| Noncurrent loans to loans | 2.6737% | 2,721 |
| Net loans and leases to total assets | 62.4787% | 3,795 |
| Net loans and leases to deposits | 73.2750% | 3,902 |
| Net loans and leases to core deposits | 77.8290% | 4,072 |
| Total domestic deposits to total assets | 85.2661% | 3,745 |
| Equity capital to assets | 12.4549% | 1,807 |
| Core capital (leverage) ratio | 8.7562% | 5,126 |
| Tier 1 risk-based capital ratio | 17.9257% | 2,204 |
| Total risk-based capital ratio | 19.9424% | 1,903 |
| Memoranda: | ||
| Average total assets | $1,257,991,670 | 528 |
| Average earning assets | $1,066,554,330 | 561 |
| Average equity | $154,656,670 | 462 |
| Average total loans | $822,829,330 | 516 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5401% | 1,202 |
| Cost of funding earning assets | 0.6598% | 6,347 |
| Net interest margin | 4.8803% | 485 |
| Noninterest income to average assets | 0.2364% | 6,020 |
| Noninterest expense to average assets | 3.4783% | 2,064 |
| Loan and lease loss provision to assets | 0.6037% | 1,422 |
| Net operating income to assets | 0.1512% | 5,941 |
| Return on assets (ROA) | 0.1512% | 5,998 |
| Pretax return on assets | 0.2507% | 5,807 |
| Return on Equity (ROE) | 1.2382% | 6,062 |
| Retained earnings to average equity (ytd only) | 1.2382% | 5,325 |
| Net charge-offs to loans | 0.4395% | 2,379 |
| Credit loss provision to net charge-offs | 206.9717% | 1,438 |
| Earnings coverage of net charge-offs (x) | 2.9292% | 2,911 |
| Efficiency ratio | 79.3356% | 2,643 |
| Assets per employee ($millions) | 4.4047% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 3,447 |
| Loan loss allowance to noncurrent loans | 61.0154% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 2.4433% | 2,782 |
| Noncurrent loans to loans | 2.7373% | 2,761 |
| Net loans and leases to total assets | 63.4650% | 3,551 |
| Net loans and leases to deposits | 74.2854% | 3,717 |
| Net loans and leases to core deposits | 79.2023% | 3,852 |
| Total domestic deposits to total assets | 85.4339% | 3,819 |
| Equity capital to assets | 12.2794% | 1,748 |
| Core capital (leverage) ratio | 8.8262% | 4,888 |
| Tier 1 risk-based capital ratio | 18.8001% | 1,868 |
| Total risk-based capital ratio | 20.8897% | 1,636 |
| Memoranda: | ||
| Average total assets | $1,259,001,000 | 529 |
| Average earning assets | $1,056,727,500 | 572 |
| Average equity | $153,770,000 | 461 |
| Average total loans | $835,501,000 | 523 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9275% | 4,889 |
| Cost of funding earning assets | 0.8636% | 6,329 |
| Net interest margin | 4.0639% | 2,730 |
| Noninterest income to average assets | 1.3927% | 748 |
| Noninterest expense to average assets | 3.3191% | 2,672 |
| Loan and lease loss provision to assets | 1.2489% | 1,242 |
| Net operating income to assets | 0.1825% | 5,331 |
| Return on assets (ROA) | 0.2082% | 5,417 |
| Pretax return on assets | 0.3391% | 5,112 |
| Return on Equity (ROE) | 1.7144% | 5,491 |
| Retained earnings to average equity (ytd only) | 1.7144% | 4,657 |
| Net charge-offs to loans | 1.9252% | 1,069 |
| Credit loss provision to net charge-offs | 98.3130% | 4,705 |
| Earnings coverage of net charge-offs (x) | 1.2184% | 4,884 |
| Efficiency ratio | 67.3759% | 4,688 |
| Assets per employee ($millions) | 4.1949% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 4,236 |
| Loan loss allowance to noncurrent loans | 74.4984% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 2.0537% | 3,281 |
| Noncurrent loans to loans | 1.9571% | 3,625 |
| Net loans and leases to total assets | 67.1770% | 3,170 |
| Net loans and leases to deposits | 78.5201% | 3,428 |
| Net loans and leases to core deposits | 84.3927% | 3,543 |
| Total domestic deposits to total assets | 85.5539% | 3,574 |
| Equity capital to assets | 12.1483% | 1,829 |
| Core capital (leverage) ratio | 9.9036% | 3,202 |
| Tier 1 risk-based capital ratio | 16.6596% | 2,475 |
| Total risk-based capital ratio | 18.6757% | 2,167 |
| Memoranda: | ||
| Average total assets | $1,082,579,600 | 618 |
| Average earning assets | $925,499,200 | 648 |
| Average equity | $131,475,200 | 517 |
| Average total loans | $714,305,800 | 609 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0852% | 4,399 |
| Cost of funding earning assets | 0.9099% | 6,360 |
| Net interest margin | 4.1753% | 2,316 |
| Noninterest income to average assets | 0.3945% | 5,008 |
| Noninterest expense to average assets | 3.2395% | 2,782 |
| Loan and lease loss provision to assets | 0.7222% | 2,116 |
| Net operating income to assets | 0.0070% | 5,990 |
| Return on assets (ROA) | 0.0428% | 6,032 |
| Pretax return on assets | 0.0744% | 5,962 |
| Return on Equity (ROE) | 0.3524% | 6,040 |
| Retained earnings to average equity (ytd only) | 0.3524% | 5,649 |
| Net charge-offs to loans | 1.4561% | 1,394 |
| Credit loss provision to net charge-offs | 75.9357% | 5,257 |
| Earnings coverage of net charge-offs (x) | 0.7788% | 5,278 |
| Efficiency ratio | 80.3345% | 2,292 |
| Assets per employee ($millions) | 5.2134% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 3,401 |
| Loan loss allowance to noncurrent loans | 47.9409% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 2.1931% | 3,216 |
| Noncurrent loans to loans | 3.4038% | 2,336 |
| Net loans and leases to total assets | 62.6615% | 4,394 |
| Net loans and leases to deposits | 73.3423% | 4,630 |
| Net loans and leases to core deposits | 81.0358% | 4,379 |
| Total domestic deposits to total assets | 85.4371% | 3,389 |
| Equity capital to assets | 11.9923% | 2,165 |
| Core capital (leverage) ratio | 7.6889% | 6,682 |
| Tier 1 risk-based capital ratio | 14.2989% | 3,633 |
| Total risk-based capital ratio | 16.4580% | 3,121 |
| Memoranda: | ||
| Average total assets | $1,037,556,500 | 643 |
| Average earning assets | $891,028,000 | 671 |
| Average equity | $125,995,750 | 530 |
| Average total loans | $677,688,500 | 645 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1878% | 4,013 |
| Cost of funding earning assets | 0.9369% | 6,433 |
| Net interest margin | 4.2509% | 1,959 |
| Noninterest income to average assets | 0.3821% | 5,069 |
| Noninterest expense to average assets | 3.3102% | 2,534 |
| Loan and lease loss provision to assets | 0.5337% | 2,651 |
| Net operating income to assets | 0.1118% | 5,830 |
| Return on assets (ROA) | 0.1100% | 5,943 |
| Pretax return on assets | 0.1822% | 5,810 |
| Return on Equity (ROE) | 0.9022% | 5,979 |
| Retained earnings to average equity (ytd only) | 0.9022% | 5,406 |
| Net charge-offs to loans | 0.9327% | 1,971 |
| Credit loss provision to net charge-offs | 86.8604% | 4,522 |
| Earnings coverage of net charge-offs (x) | 1.1696% | 4,627 |
| Efficiency ratio | 81.1040% | 2,288 |
| Assets per employee ($millions) | 4.9808% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8352% | 2,620 |
| Loan loss allowance to noncurrent loans | 45.3648% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 2.6185% | 2,761 |
| Noncurrent loans to loans | 4.0454% | 1,866 |
| Net loans and leases to total assets | 63.5416% | 4,341 |
| Net loans and leases to deposits | 74.7418% | 4,559 |
| Net loans and leases to core deposits | 83.5756% | 4,198 |
| Total domestic deposits to total assets | 85.0148% | 3,617 |
| Equity capital to assets | 12.2026% | 1,977 |
| Core capital (leverage) ratio | 7.7974% | 6,501 |
| Tier 1 risk-based capital ratio | 14.5151% | 3,437 |
| Total risk-based capital ratio | 16.7125% | 2,879 |
| Memoranda: | ||
| Average total assets | $1,030,636,670 | 643 |
| Average earning assets | $884,152,000 | 676 |
| Average equity | $125,689,000 | 528 |
| Average total loans | $678,865,330 | 643 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2368% | 3,848 |
| Cost of funding earning assets | 0.9633% | 6,531 |
| Net interest margin | 4.2735% | 1,770 |
| Noninterest income to average assets | 0.3612% | 5,251 |
| Noninterest expense to average assets | 3.2836% | 2,583 |
| Loan and lease loss provision to assets | 0.4876% | 2,549 |
| Net operating income to assets | 0.1562% | 5,832 |
| Return on assets (ROA) | 0.1537% | 5,971 |
| Pretax return on assets | 0.2496% | 5,746 |
| Return on Equity (ROE) | 1.2606% | 6,044 |
| Retained earnings to average equity (ytd only) | 1.2606% | 5,309 |
| Net charge-offs to loans | 0.5988% | 2,308 |
| Credit loss provision to net charge-offs | 122.5490% | 2,857 |
| Earnings coverage of net charge-offs (x) | 1.8627% | 3,618 |
| Efficiency ratio | 80.4807% | 2,493 |
| Assets per employee ($millions) | 4.7510% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8946% | 2,470 |
| Loan loss allowance to noncurrent loans | 85.3582% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.4926% | 4,269 |
| Noncurrent loans to loans | 2.2196% | 3,500 |
| Net loans and leases to total assets | 64.7563% | 4,147 |
| Net loans and leases to deposits | 76.1215% | 4,388 |
| Net loans and leases to core deposits | 86.4008% | 3,836 |
| Total domestic deposits to total assets | 85.0696% | 3,643 |
| Equity capital to assets | 12.0556% | 2,014 |
| Core capital (leverage) ratio | 7.9352% | 6,335 |
| Tier 1 risk-based capital ratio | 14.5661% | 3,342 |
| Total risk-based capital ratio | 16.7765% | 2,800 |
| Memoranda: | ||
| Average total assets | $1,025,457,000 | 661 |
| Average earning assets | $879,093,000 | 699 |
| Average equity | $125,019,000 | 535 |
| Average total loans | $681,382,000 | 665 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6984% | 7,140 |
| Cost of funding earning assets | 1.2227% | 6,580 |
| Net interest margin | 3.4757% | 5,062 |
| Noninterest income to average assets | 3.5447% | 193 |
| Noninterest expense to average assets | 3.6422% | 2,054 |
| Loan and lease loss provision to assets | 1.7932% | 1,266 |
| Net operating income to assets | 0.6695% | 3,063 |
| Return on assets (ROA) | 0.7232% | 2,914 |
| Pretax return on assets | 1.1648% | 2,055 |
| Return on Equity (ROE) | 5.1140% | 3,623 |
| Retained earnings to average equity (ytd only) | 5.1140% | 1,762 |
| Net charge-offs to loans | 0.8918% | 2,613 |
| Credit loss provision to net charge-offs | 267.8159% | 1,305 |
| Earnings coverage of net charge-offs (x) | 4.2924% | 2,998 |
| Efficiency ratio | 55.2176% | 7,103 |
| Assets per employee ($millions) | 4.7217% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8909% | 2,284 |
| Loan loss allowance to noncurrent loans | 90.0204% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 1.4681% | 4,196 |
| Noncurrent loans to loans | 2.1005% | 3,518 |
| Net loans and leases to total assets | 65.6345% | 4,251 |
| Net loans and leases to deposits | 78.4496% | 4,285 |
| Net loans and leases to core deposits | 104.8176% | 3,470 |
| Total domestic deposits to total assets | 83.6646% | 4,196 |
| Equity capital to assets | 12.3315% | 1,832 |
| Core capital (leverage) ratio | 10.7019% | 2,429 |
| Tier 1 risk-based capital ratio | 14.6708% | 3,119 |
| Total risk-based capital ratio | 16.8948% | 2,605 |
| Memoranda: | ||
| Average total assets | $710,450,800 | 962 |
| Average earning assets | $607,413,800 | 1,031 |
| Average equity | $100,470,000 | 653 |
| Average total loans | $533,388,200 | 893 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1246% | 6,187 |
| Cost of funding earning assets | 1.3654% | 6,349 |
| Net interest margin | 3.7593% | 3,818 |
| Noninterest income to average assets | 0.2942% | 6,124 |
| Noninterest expense to average assets | 3.5185% | 2,233 |
| Loan and lease loss provision to assets | 0.6483% | 2,812 |
| Net operating income to assets | -0.4227% | 6,349 |
| Return on assets (ROA) | -0.3368% | 6,261 |
| Pretax return on assets | -0.5204% | 6,320 |
| Return on Equity (ROE) | -2.2660% | 6,135 |
| Retained earnings to average equity (ytd only) | -2.2660% | 5,775 |
| Net charge-offs to loans | 0.4554% | 3,410 |
| Credit loss provision to net charge-offs | 181.7647% | 2,514 |
| Earnings coverage of net charge-offs (x) | -0.0118% | 6,081 |
| Efficiency ratio | 98.7044% | 1,128 |
| Assets per employee ($millions) | 5.0312% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 3,758 |
| Loan loss allowance to noncurrent loans | 48.8085% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 2.2557% | 3,037 |
| Noncurrent loans to loans | 2.9428% | 2,587 |
| Net loans and leases to total assets | 73.7240% | 2,617 |
| Net loans and leases to deposits | 92.5731% | 2,140 |
| Net loans and leases to core deposits | 112.9552% | 2,935 |
| Total domestic deposits to total assets | 79.6387% | 5,583 |
| Equity capital to assets | 14.6595% | 1,101 |
| Core capital (leverage) ratio | 7.9263% | 6,472 |
| Tier 1 risk-based capital ratio | 9.7814% | 7,154 |
| Total risk-based capital ratio | 12.0879% | 6,077 |
| Memoranda: | ||
| Average total assets | $635,452,250 | 1,105 |
| Average earning assets | $544,312,750 | 1,174 |
| Average equity | $94,436,750 | 693 |
| Average total loans | $497,739,500 | 982 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2181% | 6,012 |
| Cost of funding earning assets | 1.3996% | 6,482 |
| Net interest margin | 3.8185% | 3,466 |
| Noninterest income to average assets | 0.2906% | 6,196 |
| Noninterest expense to average assets | 3.6756% | 1,887 |
| Loan and lease loss provision to assets | 0.9308% | 1,814 |
| Net operating income to assets | -0.6868% | 6,739 |
| Return on assets (ROA) | -0.5764% | 6,640 |
| Pretax return on assets | -0.8881% | 6,738 |
| Return on Equity (ROE) | -3.8598% | 6,463 |
| Retained earnings to average equity (ytd only) | -3.8598% | 6,111 |
| Net charge-offs to loans | 0.5068% | 2,809 |
| Credit loss provision to net charge-offs | 230.7387% | 2,002 |
| Earnings coverage of net charge-offs (x) | -0.3153% | 5,965 |
| Efficiency ratio | 102.1309% | 1,091 |
| Assets per employee ($millions) | 4.6533% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 3,331 |
| Loan loss allowance to noncurrent loans | 75.5684% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.5871% | 3,833 |
| Noncurrent loans to loans | 1.9504% | 3,594 |
| Net loans and leases to total assets | 78.6416% | 1,606 |
| Net loans and leases to deposits | 102.4016% | 1,042 |
| Net loans and leases to core deposits | 129.0197% | 1,651 |
| Total domestic deposits to total assets | 76.7973% | 6,376 |
| Equity capital to assets | 14.7247% | 1,101 |
| Core capital (leverage) ratio | 7.1835% | 7,374 |
| Tier 1 risk-based capital ratio | 8.5891% | 7,831 |
| Total risk-based capital ratio | 10.8753% | 7,248 |
| Memoranda: | ||
| Average total assets | $624,220,330 | 1,145 |
| Average earning assets | $532,570,330 | 1,216 |
| Average equity | $93,217,670 | 714 |
| Average total loans | $496,815,330 | 999 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2659% | 6,043 |
| Cost of funding earning assets | 1.4361% | 6,619 |
| Net interest margin | 3.8298% | 3,339 |
| Noninterest income to average assets | 0.2942% | 6,082 |
| Noninterest expense to average assets | 3.4528% | 2,223 |
| Loan and lease loss provision to assets | 0.0678% | 6,101 |
| Net operating income to assets | 0.0204% | 6,204 |
| Return on assets (ROA) | 0.0465% | 6,288 |
| Pretax return on assets | 0.0787% | 6,210 |
| Return on Equity (ROE) | 0.3089% | 6,334 |
| Retained earnings to average equity (ytd only) | 0.3089% | 5,536 |
| Net charge-offs to loans | 0.0390% | 4,961 |
| Credit loss provision to net charge-offs | 218.7500% | 2,066 |
| Earnings coverage of net charge-offs (x) | 3.4167% | 3,185 |
| Efficiency ratio | 95.5213% | 1,343 |
| Assets per employee ($millions) | 4.4446% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 4,958 |
| Loan loss allowance to noncurrent loans | 64.7788% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.4528% | 3,757 |
| Noncurrent loans to loans | 1.8157% | 3,540 |
| Net loans and leases to total assets | 79.0711% | 1,567 |
| Net loans and leases to deposits | 105.7228% | 891 |
| Net loans and leases to core deposits | 130.3606% | 1,638 |
| Total domestic deposits to total assets | 74.7910% | 6,747 |
| Equity capital to assets | 15.2257% | 1,037 |
| Core capital (leverage) ratio | 7.6849% | 6,905 |
| Tier 1 risk-based capital ratio | 8.8895% | 7,849 |
| Total risk-based capital ratio | 11.1193% | 6,962 |
| Memoranda: | ||
| Average total assets | $619,906,500 | 1,145 |
| Average earning assets | $528,376,000 | 1,224 |
| Average equity | $93,234,000 | 710 |
| Average total loans | $492,659,500 | 1,020 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3474% | 3,705 |
| Cost of funding earning assets | 2.0133% | 6,371 |
| Net interest margin | 4.3341% | 1,876 |
| Noninterest income to average assets | 0.3564% | 5,877 |
| Noninterest expense to average assets | 4.1265% | 1,233 |
| Loan and lease loss provision to assets | 0.3468% | 3,623 |
| Net operating income to assets | -0.2437% | 6,671 |
| Return on assets (ROA) | -0.2297% | 6,499 |
| Pretax return on assets | -0.3557% | 6,506 |
| Return on Equity (ROE) | -1.6344% | 6,456 |
| Retained earnings to average equity (ytd only) | -1.6344% | 5,773 |
| Net charge-offs to loans | 0.2115% | 4,093 |
| Credit loss provision to net charge-offs | 209.4298% | 2,307 |
| Earnings coverage of net charge-offs (x) | -0.1842% | 6,367 |
| Efficiency ratio | 99.6365% | 998 |
| Assets per employee ($millions) | 4.2591% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 4,625 |
| Loan loss allowance to noncurrent loans | 54.6663% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 1.7177% | 2,832 |
| Noncurrent loans to loans | 2.1762% | 2,536 |
| Net loans and leases to total assets | 77.9911% | 2,136 |
| Net loans and leases to deposits | 108.6222% | 928 |
| Net loans and leases to core deposits | 135.6663% | 1,510 |
| Total domestic deposits to total assets | 71.8004% | 7,036 |
| Equity capital to assets | 14.8529% | 1,196 |
| Core capital (leverage) ratio | 6.9124% | 7,750 |
| Tier 1 risk-based capital ratio | 8.0289% | 8,082 |
| Total risk-based capital ratio | 10.2620% | 7,766 |
| Memoranda: | ||
| Average total assets | $550,726,800 | 1,235 |
| Average earning assets | $475,190,400 | 1,300 |
| Average equity | $77,399,200 | 859 |
| Average total loans | $431,267,200 | 1,112 |