Home > AmericanWest Bank > Performance and Condition Ratios
AmericanWest Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1812% | 2,641 |
| Cost of funding earning assets | 0.2469% | 4,913 |
| Net interest margin | 3.9342% | 1,919 |
| Noninterest income to average assets | 0.7657% | 1,954 |
| Noninterest expense to average assets | 3.1480% | 2,090 |
| Loan and lease loss provision to assets | -0.0354% | 5,883 |
| Net operating income to assets | 0.7342% | 3,748 |
| Return on assets (ROA) | 0.7424% | 3,812 |
| Pretax return on assets | 1.1706% | 2,927 |
| Return on Equity (ROE) | 5.6982% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.6982% | 2,445 |
| Net charge-offs to loans | -0.0559% | 5,580 |
| Credit loss provision to net charge-offs | 97.8601% | 2,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1230% | 2,855 |
| Assets per employee ($millions) | 5.2541% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5549% | 5,956 |
| Loan loss allowance to noncurrent loans | 190.4117% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 4,341 |
| Noncurrent loans to loans | 0.2914% | 4,544 |
| Net loans and leases to total assets | 65.9236% | 3,025 |
| Net loans and leases to deposits | 82.0840% | 2,638 |
| Net loans and leases to core deposits | 88.0536% | 2,659 |
| Total domestic deposits to total assets | 80.3123% | 4,669 |
| Equity capital to assets | 13.2506% | 1,331 |
| Core capital (leverage) ratio | 10.1493% | 3,438 |
| Tier 1 risk-based capital ratio | 13.5434% | 4,119 |
| Total risk-based capital ratio | 14.1475% | 4,412 |
| Memoranda: | ||
| Average total assets | $4,474,606,000 | 214 |
| Average earning assets | $3,986,157,750 | 210 |
| Average equity | $582,952,500 | 191 |
| Average total loans | $2,899,933,750 | 221 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 2,387 |
| Cost of funding earning assets | 0.2509% | 4,929 |
| Net interest margin | 3.9907% | 1,663 |
| Noninterest income to average assets | 0.7846% | 1,848 |
| Noninterest expense to average assets | 3.1674% | 2,074 |
| Loan and lease loss provision to assets | -0.0533% | 6,033 |
| Net operating income to assets | 0.7784% | 3,494 |
| Return on assets (ROA) | 0.7830% | 3,577 |
| Pretax return on assets | 1.2302% | 2,649 |
| Return on Equity (ROE) | 6.0451% | 4,105 |
| Retained earnings to average equity (ytd only) | 6.0451% | 2,220 |
| Net charge-offs to loans | -0.0436% | 5,492 |
| Credit loss provision to net charge-offs | 190.2400% | 1,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4743% | 3,072 |
| Assets per employee ($millions) | 5.0874% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5386% | 6,055 |
| Loan loss allowance to noncurrent loans | 260.1462% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 4,331 |
| Noncurrent loans to loans | 0.2070% | 4,942 |
| Net loans and leases to total assets | 64.7968% | 3,148 |
| Net loans and leases to deposits | 80.9510% | 2,674 |
| Net loans and leases to core deposits | 87.5878% | 2,593 |
| Total domestic deposits to total assets | 80.0444% | 4,856 |
| Equity capital to assets | 12.8720% | 1,458 |
| Core capital (leverage) ratio | 9.6547% | 4,067 |
| Tier 1 risk-based capital ratio | 13.1304% | 4,437 |
| Total risk-based capital ratio | 13.7192% | 4,742 |
| Memoranda: | ||
| Average total assets | $4,461,713,330 | 216 |
| Average earning assets | $3,971,790,330 | 212 |
| Average equity | $577,924,330 | 193 |
| Average total loans | $2,869,271,670 | 223 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 2,540 |
| Cost of funding earning assets | 0.2446% | 5,079 |
| Net interest margin | 3.9333% | 1,777 |
| Noninterest income to average assets | 0.7164% | 2,089 |
| Noninterest expense to average assets | 3.1644% | 2,078 |
| Loan and lease loss provision to assets | 0.0186% | 3,473 |
| Net operating income to assets | 0.6621% | 3,996 |
| Return on assets (ROA) | 0.6622% | 4,119 |
| Pretax return on assets | 1.0343% | 3,364 |
| Return on Equity (ROE) | 5.0957% | 4,482 |
| Retained earnings to average equity (ytd only) | 5.0957% | 3,005 |
| Net charge-offs to loans | -0.0474% | 5,492 |
| Credit loss provision to net charge-offs | -61.3772% | 4,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4173% | 2,919 |
| Assets per employee ($millions) | 5.0657% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5782% | 6,086 |
| Loan loss allowance to noncurrent loans | 188.7823% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 3,913 |
| Noncurrent loans to loans | 0.3063% | 4,692 |
| Net loans and leases to total assets | 63.6997% | 3,132 |
| Net loans and leases to deposits | 78.5075% | 2,738 |
| Net loans and leases to core deposits | 85.5997% | 2,594 |
| Total domestic deposits to total assets | 81.1384% | 4,792 |
| Equity capital to assets | 12.5153% | 1,686 |
| Core capital (leverage) ratio | 9.5225% | 4,238 |
| Tier 1 risk-based capital ratio | 12.5313% | 4,889 |
| Total risk-based capital ratio | 13.1262% | 5,211 |
| Memoranda: | ||
| Average total assets | $4,410,881,500 | 215 |
| Average earning assets | $3,925,840,500 | 213 |
| Average equity | $573,186,500 | 191 |
| Average total loans | $2,817,441,000 | 222 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3486% | 2,417 |
| Cost of funding earning assets | 0.1981% | 5,763 |
| Net interest margin | 4.1505% | 1,429 |
| Noninterest income to average assets | 1.0009% | 1,215 |
| Noninterest expense to average assets | 3.3820% | 1,736 |
| Loan and lease loss provision to assets | 0.0368% | 3,843 |
| Net operating income to assets | 0.9410% | 2,668 |
| Return on assets (ROA) | 0.9514% | 2,704 |
| Pretax return on assets | 1.2454% | 2,464 |
| Return on Equity (ROE) | 7.0512% | 3,594 |
| Retained earnings to average equity (ytd only) | 6.6840% | 1,554 |
| Net charge-offs to loans | -0.1056% | 6,127 |
| Credit loss provision to net charge-offs | -57.6535% | 5,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9137% | 3,387 |
| Assets per employee ($millions) | 4.7857% | 2,612 |
| Cash dividends to net income (ytd only)* | 5.2085% | 4,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6197% | 6,116 |
| Loan loss allowance to noncurrent loans | 171.0453% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.5692% | 3,897 |
| Noncurrent loans to loans | 0.3623% | 4,569 |
| Net loans and leases to total assets | 63.2654% | 3,325 |
| Net loans and leases to deposits | 80.6044% | 2,656 |
| Net loans and leases to core deposits | 85.1756% | 2,766 |
| Total domestic deposits to total assets | 78.4888% | 5,351 |
| Equity capital to assets | 13.5220% | 1,153 |
| Core capital (leverage) ratio | 9.6911% | 3,979 |
| Tier 1 risk-based capital ratio | 13.2031% | 4,583 |
| Total risk-based capital ratio | 13.8478% | 4,893 |
| Memoranda: | ||
| Average total assets | $4,036,121,800 | 218 |
| Average earning assets | $3,549,072,400 | 217 |
| Average equity | $544,572,400 | 192 |
| Average total loans | $2,438,221,000 | 236 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 2,322 |
| Cost of funding earning assets | 0.1894% | 5,919 |
| Net interest margin | 4.1863% | 1,325 |
| Noninterest income to average assets | 1.0694% | 1,070 |
| Noninterest expense to average assets | 3.4844% | 1,495 |
| Loan and lease loss provision to assets | 0.0331% | 3,745 |
| Net operating income to assets | 0.7732% | 3,550 |
| Return on assets (ROA) | 0.7829% | 3,607 |
| Pretax return on assets | 1.2360% | 2,634 |
| Return on Equity (ROE) | 5.8057% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.8057% | 2,533 |
| Net charge-offs to loans | -0.0925% | 6,114 |
| Credit loss provision to net charge-offs | -60.1212% | 5,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7243% | 3,230 |
| Assets per employee ($millions) | 4.7908% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5926% | 6,232 |
| Loan loss allowance to noncurrent loans | 105.6966% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.7507% | 3,564 |
| Noncurrent loans to loans | 0.5606% | 4,237 |
| Net loans and leases to total assets | 62.2287% | 3,450 |
| Net loans and leases to deposits | 78.6734% | 2,874 |
| Net loans and leases to core deposits | 82.8053% | 3,025 |
| Total domestic deposits to total assets | 79.0975% | 5,307 |
| Equity capital to assets | 13.5053% | 1,178 |
| Core capital (leverage) ratio | 9.5126% | 4,352 |
| Tier 1 risk-based capital ratio | 13.1401% | 4,770 |
| Total risk-based capital ratio | 13.7485% | 5,106 |
| Memoranda: | ||
| Average total assets | $3,994,687,500 | 216 |
| Average earning assets | $3,500,921,000 | 217 |
| Average equity | $538,671,250 | 192 |
| Average total loans | $2,379,051,250 | 236 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 1,824 |
| Cost of funding earning assets | 0.1793% | 6,075 |
| Net interest margin | 4.3227% | 981 |
| Noninterest income to average assets | 1.1007% | 978 |
| Noninterest expense to average assets | 3.5546% | 1,378 |
| Loan and lease loss provision to assets | 0.0539% | 3,225 |
| Net operating income to assets | 0.8004% | 3,333 |
| Return on assets (ROA) | 0.8152% | 3,358 |
| Pretax return on assets | 1.2891% | 2,298 |
| Return on Equity (ROE) | 6.0487% | 4,122 |
| Retained earnings to average equity (ytd only) | 6.0487% | 2,294 |
| Net charge-offs to loans | -0.0341% | 5,735 |
| Credit loss provision to net charge-offs | -269.9495% | 5,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2177% | 3,468 |
| Assets per employee ($millions) | 4.4189% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5751% | 6,344 |
| Loan loss allowance to noncurrent loans | 148.5708% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.6789% | 3,959 |
| Noncurrent loans to loans | 0.3871% | 4,831 |
| Net loans and leases to total assets | 59.7871% | 3,756 |
| Net loans and leases to deposits | 75.4175% | 3,138 |
| Net loans and leases to core deposits | 78.7152% | 3,349 |
| Total domestic deposits to total assets | 79.2748% | 5,396 |
| Equity capital to assets | 13.4380% | 1,183 |
| Core capital (leverage) ratio | 9.3480% | 4,533 |
| Tier 1 risk-based capital ratio | 12.8511% | 5,005 |
| Total risk-based capital ratio | 13.4266% | 5,353 |
| Memoranda: | ||
| Average total assets | $3,964,052,000 | 215 |
| Average earning assets | $3,460,702,000 | 217 |
| Average equity | $534,259,670 | 192 |
| Average total loans | $2,319,337,330 | 238 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 1,101 |
| Cost of funding earning assets | 0.1786% | 6,179 |
| Net interest margin | 4.5936% | 559 |
| Noninterest income to average assets | 1.3360% | 645 |
| Noninterest expense to average assets | 3.6338% | 1,244 |
| Loan and lease loss provision to assets | 0.0816% | 2,529 |
| Net operating income to assets | 1.0227% | 2,114 |
| Return on assets (ROA) | 1.0233% | 2,183 |
| Pretax return on assets | 1.6201% | 1,133 |
| Return on Equity (ROE) | 7.5964% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.5964% | 1,772 |
| Net charge-offs to loans | -0.0459% | 5,772 |
| Credit loss provision to net charge-offs | -307.3359% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5361% | 4,440 |
| Assets per employee ($millions) | 4.1470% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6084% | 6,397 |
| Loan loss allowance to noncurrent loans | 120.9047% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.7719% | 3,816 |
| Noncurrent loans to loans | 0.5032% | 4,656 |
| Net loans and leases to total assets | 56.8476% | 4,031 |
| Net loans and leases to deposits | 68.7304% | 3,771 |
| Net loans and leases to core deposits | 70.8237% | 4,003 |
| Total domestic deposits to total assets | 82.7110% | 4,713 |
| Equity capital to assets | 13.7339% | 1,021 |
| Core capital (leverage) ratio | 9.2189% | 4,695 |
| Tier 1 risk-based capital ratio | 12.9072% | 5,055 |
| Total risk-based capital ratio | 13.4698% | 5,428 |
| Memoranda: | ||
| Average total assets | $3,903,774,000 | 216 |
| Average earning assets | $3,398,016,000 | 218 |
| Average equity | $525,883,000 | 193 |
| Average total loans | $2,258,250,000 | 243 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1454% | 717 |
| Cost of funding earning assets | 0.1980% | 6,305 |
| Net interest margin | 4.9474% | 329 |
| Noninterest income to average assets | 1.2970% | 826 |
| Noninterest expense to average assets | 4.8759% | 383 |
| Loan and lease loss provision to assets | 0.1257% | 2,742 |
| Net operating income to assets | 0.4811% | 4,813 |
| Return on assets (ROA) | 0.3858% | 5,301 |
| Pretax return on assets | 0.4512% | 5,356 |
| Return on Equity (ROE) | 2.7062% | 5,616 |
| Retained earnings to average equity (ytd only) | 2.7062% | 4,315 |
| Net charge-offs to loans | -0.0698% | 6,406 |
| Credit loss provision to net charge-offs | -294.8880% | 6,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7750% | 1,435 |
| Assets per employee ($millions) | 4.1545% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5458% | 6,530 |
| Loan loss allowance to noncurrent loans | 79.2541% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 0.9297% | 3,582 |
| Noncurrent loans to loans | 0.6887% | 4,249 |
| Net loans and leases to total assets | 58.1776% | 4,011 |
| Net loans and leases to deposits | 69.7421% | 3,815 |
| Net loans and leases to core deposits | 72.0004% | 4,066 |
| Total domestic deposits to total assets | 83.4181% | 4,391 |
| Equity capital to assets | 13.2097% | 1,180 |
| Core capital (leverage) ratio | 8.3963% | 5,787 |
| Tier 1 risk-based capital ratio | 11.9121% | 5,664 |
| Total risk-based capital ratio | 12.4224% | 6,040 |
| Memoranda: | ||
| Average total assets | $3,351,281,200 | 229 |
| Average earning assets | $2,890,972,400 | 235 |
| Average equity | $477,758,800 | 203 |
| Average total loans | $2,044,808,800 | 249 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3103% | 521 |
| Cost of funding earning assets | 0.1923% | 6,434 |
| Net interest margin | 5.1180% | 249 |
| Noninterest income to average assets | 1.3318% | 831 |
| Noninterest expense to average assets | 5.2893% | 282 |
| Loan and lease loss provision to assets | 0.1723% | 2,110 |
| Net operating income to assets | 0.2020% | 5,909 |
| Return on assets (ROA) | 0.1193% | 6,168 |
| Pretax return on assets | 0.1624% | 6,110 |
| Return on Equity (ROE) | 0.8186% | 6,211 |
| Retained earnings to average equity (ytd only) | 0.8186% | 5,654 |
| Net charge-offs to loans | -0.0433% | 6,269 |
| Credit loss provision to net charge-offs | -644.0994% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2467% | 971 |
| Assets per employee ($millions) | 3.7682% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5178% | 6,644 |
| Loan loss allowance to noncurrent loans | 48.3080% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 1.5129% | 2,667 |
| Noncurrent loans to loans | 1.0718% | 3,654 |
| Net loans and leases to total assets | 60.9176% | 3,538 |
| Net loans and leases to deposits | 75.1060% | 3,075 |
| Net loans and leases to core deposits | 77.5909% | 3,408 |
| Total domestic deposits to total assets | 81.1089% | 5,192 |
| Equity capital to assets | 13.9130% | 989 |
| Core capital (leverage) ratio | 8.9741% | 5,165 |
| Tier 1 risk-based capital ratio | 12.1766% | 5,667 |
| Total risk-based capital ratio | 12.6621% | 6,063 |
| Memoranda: | ||
| Average total assets | $3,210,720,500 | 237 |
| Average earning assets | $2,763,686,750 | 243 |
| Average equity | $467,957,750 | 204 |
| Average total loans | $1,983,688,750 | 254 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3194% | 507 |
| Cost of funding earning assets | 0.1942% | 6,504 |
| Net interest margin | 5.1252% | 244 |
| Noninterest income to average assets | 1.2359% | 1,020 |
| Noninterest expense to average assets | 5.0008% | 354 |
| Loan and lease loss provision to assets | 0.1988% | 1,910 |
| Net operating income to assets | 0.2982% | 5,605 |
| Return on assets (ROA) | 0.3204% | 5,676 |
| Pretax return on assets | 0.4920% | 5,405 |
| Return on Equity (ROE) | 2.1589% | 5,903 |
| Retained earnings to average equity (ytd only) | 2.1589% | 4,902 |
| Net charge-offs to loans | 0.0040% | 4,836 |
| Credit loss provision to net charge-offs | 7,994.7368% | 37 |
| Earnings coverage of net charge-offs (x) | 264.1053% | 192 |
| Efficiency ratio | 86.3501% | 1,382 |
| Assets per employee ($millions) | 3.3967% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4272% | 6,753 |
| Loan loss allowance to noncurrent loans | 39.7203% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 1.5655% | 2,766 |
| Noncurrent loans to loans | 1.0756% | 3,775 |
| Net loans and leases to total assets | 61.4847% | 3,389 |
| Net loans and leases to deposits | 74.3515% | 3,098 |
| Net loans and leases to core deposits | 76.7481% | 3,461 |
| Total domestic deposits to total assets | 82.6947% | 4,811 |
| Equity capital to assets | 13.1975% | 1,260 |
| Core capital (leverage) ratio | 8.5311% | 5,630 |
| Tier 1 risk-based capital ratio | 10.9996% | 6,334 |
| Total risk-based capital ratio | 11.4079% | 6,572 |
| Memoranda: | ||
| Average total assets | $3,056,295,330 | 244 |
| Average earning assets | $2,636,698,330 | 255 |
| Average equity | $453,556,000 | 209 |
| Average total loans | $1,894,998,670 | 264 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8971% | 1,093 |
| Cost of funding earning assets | 0.2044% | 6,556 |
| Net interest margin | 4.6928% | 478 |
| Noninterest income to average assets | 1.3329% | 868 |
| Noninterest expense to average assets | 4.4463% | 559 |
| Loan and lease loss provision to assets | 0.2112% | 1,752 |
| Net operating income to assets | 0.4885% | 4,736 |
| Return on assets (ROA) | 0.5203% | 4,712 |
| Pretax return on assets | 0.7808% | 4,250 |
| Return on Equity (ROE) | 3.2579% | 5,463 |
| Retained earnings to average equity (ytd only) | 3.2579% | 4,300 |
| Net charge-offs to loans | 0.0005% | 4,144 |
| Credit loss provision to net charge-offs | 71,700.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 3,207.0000% | 2 |
| Efficiency ratio | 80.3016% | 2,281 |
| Assets per employee ($millions) | 3.3782% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4985% | 6,793 |
| Loan loss allowance to noncurrent loans | 32.4893% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 1.7858% | 2,621 |
| Noncurrent loans to loans | 1.5342% | 3,249 |
| Net loans and leases to total assets | 61.3023% | 3,207 |
| Net loans and leases to deposits | 76.3854% | 2,574 |
| Net loans and leases to core deposits | 78.3640% | 3,007 |
| Total domestic deposits to total assets | 80.2540% | 5,698 |
| Equity capital to assets | 16.1262% | 542 |
| Core capital (leverage) ratio | 10.9079% | 2,345 |
| Tier 1 risk-based capital ratio | 14.7193% | 4,022 |
| Total risk-based capital ratio | 15.2068% | 4,499 |
| Memoranda: | ||
| Average total assets | $2,716,233,000 | 281 |
| Average earning assets | $2,348,813,000 | 288 |
| Average equity | $433,777,000 | 217 |
| Average total loans | $1,688,906,000 | 288 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3566% | 817 |
| Cost of funding earning assets | 0.2179% | 6,786 |
| Net interest margin | 5.1386% | 303 |
| Noninterest income to average assets | 1.0561% | 1,388 |
| Noninterest expense to average assets | 4.8028% | 435 |
| Loan and lease loss provision to assets | 0.1579% | 3,644 |
| Net operating income to assets | 2.9802% | 100 |
| Return on assets (ROA) | 3.0873% | 96 |
| Pretax return on assets | 0.6874% | 4,706 |
| Return on Equity (ROE) | 19.0064% | 357 |
| Retained earnings to average equity (ytd only) | 17.7261% | 82 |
| Net charge-offs to loans | 0.1173% | 4,518 |
| Credit loss provision to net charge-offs | 222.2482% | 1,129 |
| Earnings coverage of net charge-offs (x) | 10.3917% | 2,147 |
| Efficiency ratio | 84.0574% | 1,630 |
| Assets per employee ($millions) | 3.4424% | 5,125 |
| Cash dividends to net income (ytd only)* | 6.7359% | 4,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3998% | 6,898 |
| Loan loss allowance to noncurrent loans | 24.9872% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 1.8831% | 2,594 |
| Noncurrent loans to loans | 1.6000% | 3,226 |
| Net loans and leases to total assets | 62.4892% | 3,167 |
| Net loans and leases to deposits | 78.3185% | 2,483 |
| Net loans and leases to core deposits | 79.9149% | 3,020 |
| Total domestic deposits to total assets | 79.7885% | 5,721 |
| Equity capital to assets | 15.8154% | 587 |
| Core capital (leverage) ratio | 10.8467% | 2,394 |
| Tier 1 risk-based capital ratio | 14.2372% | 4,211 |
| Total risk-based capital ratio | 14.6397% | 4,785 |
| Memoranda: | ||
| Average total assets | $2,404,301,800 | 304 |
| Average earning assets | $2,098,394,600 | 310 |
| Average equity | $390,548,200 | 232 |
| Average total loans | $1,455,608,400 | 313 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4115% | 816 |
| Cost of funding earning assets | 0.2164% | 6,911 |
| Net interest margin | 5.1951% | 296 |
| Noninterest income to average assets | 1.0290% | 1,429 |
| Noninterest expense to average assets | 4.7827% | 429 |
| Loan and lease loss provision to assets | 0.1342% | 3,867 |
| Net operating income to assets | 3.7794% | 68 |
| Return on assets (ROA) | 3.9273% | 68 |
| Pretax return on assets | 0.8082% | 4,454 |
| Return on Equity (ROE) | 23.9911% | 166 |
| Retained earnings to average equity (ytd only) | 23.2896% | 55 |
| Net charge-offs to loans | 0.1136% | 4,249 |
| Credit loss provision to net charge-offs | 197.2996% | 1,406 |
| Earnings coverage of net charge-offs (x) | 11.6776% | 2,056 |
| Efficiency ratio | 83.1652% | 1,685 |
| Assets per employee ($millions) | 3.3994% | 5,211 |
| Cash dividends to net income (ytd only)* | 2.9241% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3801% | 7,022 |
| Loan loss allowance to noncurrent loans | 17.7387% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 2.5018% | 2,117 |
| Noncurrent loans to loans | 2.1428% | 2,682 |
| Net loans and leases to total assets | 61.6058% | 3,462 |
| Net loans and leases to deposits | 77.8933% | 2,670 |
| Net loans and leases to core deposits | 78.9845% | 3,328 |
| Total domestic deposits to total assets | 79.0900% | 5,847 |
| Equity capital to assets | 17.0247% | 458 |
| Core capital (leverage) ratio | 12.1352% | 1,570 |
| Tier 1 risk-based capital ratio | 16.2215% | 3,152 |
| Total risk-based capital ratio | 16.6081% | 3,574 |
| Memoranda: | ||
| Average total assets | $2,322,052,750 | 311 |
| Average earning assets | $2,032,920,500 | 316 |
| Average equity | $380,115,000 | 236 |
| Average total loans | $1,390,792,750 | 323 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3209% | 1,003 |
| Cost of funding earning assets | 0.2058% | 7,020 |
| Net interest margin | 5.1151% | 330 |
| Noninterest income to average assets | 0.9124% | 1,740 |
| Noninterest expense to average assets | 4.7505% | 446 |
| Loan and lease loss provision to assets | 0.0984% | 4,305 |
| Net operating income to assets | 0.5604% | 4,535 |
| Return on assets (ROA) | 0.7138% | 4,061 |
| Pretax return on assets | 0.7139% | 4,788 |
| Return on Equity (ROE) | 4.4263% | 5,073 |
| Retained earnings to average equity (ytd only) | 4.4263% | 3,657 |
| Net charge-offs to loans | 0.2247% | 3,230 |
| Credit loss provision to net charge-offs | 74.0000% | 3,481 |
| Earnings coverage of net charge-offs (x) | 4.9553% | 2,949 |
| Efficiency ratio | 85.0743% | 1,529 |
| Assets per employee ($millions) | 3.1539% | 5,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3222% | 7,113 |
| Loan loss allowance to noncurrent loans | 15.5056% | 6,632 |
| Noncurrent assets plus other real estate owned to assets | 2.6446% | 2,096 |
| Noncurrent loans to loans | 2.0777% | 2,852 |
| Net loans and leases to total assets | 61.4455% | 3,543 |
| Net loans and leases to deposits | 74.8004% | 3,156 |
| Net loans and leases to core deposits | 76.3146% | 3,735 |
| Total domestic deposits to total assets | 82.1460% | 5,073 |
| Equity capital to assets | 16.7603% | 475 |
| Core capital (leverage) ratio | 13.5927% | 943 |
| Tier 1 risk-based capital ratio | 18.7762% | 2,038 |
| Total risk-based capital ratio | 19.0966% | 2,311 |
| Memoranda: | ||
| Average total assets | $2,256,421,330 | 320 |
| Average earning assets | $1,983,716,330 | 321 |
| Average equity | $363,872,000 | 238 |
| Average total loans | $1,335,144,330 | 334 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3823% | 936 |
| Cost of funding earning assets | 0.2178% | 7,073 |
| Net interest margin | 5.1646% | 312 |
| Noninterest income to average assets | 0.8481% | 1,953 |
| Noninterest expense to average assets | 4.7199% | 446 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6625% | 4,068 |
| Return on assets (ROA) | 0.6842% | 4,175 |
| Pretax return on assets | 0.6844% | 4,844 |
| Return on Equity (ROE) | 4.3250% | 5,128 |
| Retained earnings to average equity (ytd only) | 4.3250% | 3,996 |
| Net charge-offs to loans | 0.2089% | 2,874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.4718% | 2,364 |
| Efficiency ratio | 84.9603% | 1,586 |
| Assets per employee ($millions) | 3.2576% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3135% | 7,169 |
| Loan loss allowance to noncurrent loans | 15.4257% | 6,677 |
| Noncurrent assets plus other real estate owned to assets | 2.4070% | 2,458 |
| Noncurrent loans to loans | 2.0323% | 3,110 |
| Net loans and leases to total assets | 56.6110% | 4,268 |
| Net loans and leases to deposits | 68.1656% | 4,031 |
| Net loans and leases to core deposits | 69.7506% | 4,456 |
| Total domestic deposits to total assets | 83.0492% | 4,904 |
| Equity capital to assets | 15.8529% | 599 |
| Core capital (leverage) ratio | 13.0439% | 1,113 |
| Tier 1 risk-based capital ratio | 18.7787% | 2,059 |
| Total risk-based capital ratio | 19.1133% | 2,314 |
| Memoranda: | ||
| Average total assets | $2,282,355,500 | 309 |
| Average earning assets | $2,003,886,000 | 311 |
| Average equity | $361,063,500 | 235 |
| Average total loans | $1,323,228,000 | 334 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4168% | 1,372 |
| Cost of funding earning assets | 0.2612% | 7,165 |
| Net interest margin | 5.1556% | 309 |
| Noninterest income to average assets | 1.0123% | 1,332 |
| Noninterest expense to average assets | 4.6847% | 497 |
| Loan and lease loss provision to assets | 0.0202% | 6,316 |
| Net operating income to assets | 0.8442% | 2,857 |
| Return on assets (ROA) | 0.9093% | 2,683 |
| Pretax return on assets | 0.9034% | 3,596 |
| Return on Equity (ROE) | 6.3930% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.3930% | 1,806 |
| Net charge-offs to loans | -0.3507% | 7,256 |
| Credit loss provision to net charge-offs | -9.9287% | 6,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4037% | 2,100 |
| Assets per employee ($millions) | 3.3799% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3542% | 7,196 |
| Loan loss allowance to noncurrent loans | 16.5389% | 6,709 |
| Noncurrent assets plus other real estate owned to assets | 2.6368% | 2,306 |
| Noncurrent loans to loans | 2.1419% | 3,021 |
| Net loans and leases to total assets | 58.9623% | 4,201 |
| Net loans and leases to deposits | 70.9974% | 3,952 |
| Net loans and leases to core deposits | 72.9869% | 4,380 |
| Total domestic deposits to total assets | 83.0484% | 4,730 |
| Equity capital to assets | 15.7864% | 617 |
| Core capital (leverage) ratio | 14.3098% | 756 |
| Tier 1 risk-based capital ratio | 18.1463% | 2,146 |
| Total risk-based capital ratio | 18.5215% | 2,451 |
| Memoranda: | ||
| Average total assets | $1,791,730,200 | 374 |
| Average earning assets | $1,574,675,200 | 377 |
| Average equity | $254,841,000 | 297 |
| Average total loans | $1,039,665,000 | 408 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3722% | 1,597 |
| Cost of funding earning assets | 0.2673% | 7,262 |
| Net interest margin | 5.1049% | 336 |
| Noninterest income to average assets | 1.1483% | 998 |
| Noninterest expense to average assets | 4.5522% | 553 |
| Loan and lease loss provision to assets | 0.0289% | 6,076 |
| Net operating income to assets | 1.0713% | 2,068 |
| Return on assets (ROA) | 1.1041% | 2,092 |
| Pretax return on assets | 1.1041% | 2,988 |
| Return on Equity (ROE) | 8.0646% | 3,012 |
| Retained earnings to average equity (ytd only) | 8.0646% | 1,486 |
| Net charge-offs to loans | -0.3796% | 7,323 |
| Credit loss provision to net charge-offs | -13.2020% | 6,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3577% | 2,634 |
| Assets per employee ($millions) | 3.3449% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3474% | 7,265 |
| Loan loss allowance to noncurrent loans | 14.8484% | 6,822 |
| Noncurrent assets plus other real estate owned to assets | 2.4873% | 2,594 |
| Noncurrent loans to loans | 2.3396% | 2,959 |
| Net loans and leases to total assets | 57.1330% | 4,657 |
| Net loans and leases to deposits | 69.4652% | 4,389 |
| Net loans and leases to core deposits | 72.0924% | 4,705 |
| Total domestic deposits to total assets | 82.2469% | 4,989 |
| Equity capital to assets | 16.4875% | 546 |
| Core capital (leverage) ratio | 14.9539% | 673 |
| Tier 1 risk-based capital ratio | 20.4284% | 1,582 |
| Total risk-based capital ratio | 20.7541% | 1,783 |
| Memoranda: | ||
| Average total assets | $1,671,002,500 | 399 |
| Average earning assets | $1,474,338,750 | 403 |
| Average equity | $228,780,000 | 320 |
| Average total loans | $963,094,250 | 437 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2749% | 1,980 |
| Cost of funding earning assets | 0.2038% | 7,412 |
| Net interest margin | 5.0711% | 351 |
| Noninterest income to average assets | 1.3606% | 687 |
| Noninterest expense to average assets | 4.5327% | 575 |
| Loan and lease loss provision to assets | 0.0316% | 5,914 |
| Net operating income to assets | 1.2653% | 1,407 |
| Return on assets (ROA) | 1.3173% | 1,351 |
| Pretax return on assets | 1.3173% | 2,088 |
| Return on Equity (ROE) | 10.4980% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.4980% | 744 |
| Net charge-offs to loans | -0.3366% | 7,358 |
| Credit loss provision to net charge-offs | -16.2655% | 6,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5683% | 3,257 |
| Assets per employee ($millions) | 3.0905% | 5,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2908% | 7,354 |
| Loan loss allowance to noncurrent loans | 12.8383% | 6,907 |
| Noncurrent assets plus other real estate owned to assets | 2.6979% | 2,480 |
| Noncurrent loans to loans | 2.2648% | 3,144 |
| Net loans and leases to total assets | 57.3257% | 4,759 |
| Net loans and leases to deposits | 67.2121% | 4,826 |
| Net loans and leases to core deposits | 69.2779% | 5,153 |
| Total domestic deposits to total assets | 85.2908% | 3,732 |
| Equity capital to assets | 13.4569% | 1,320 |
| Core capital (leverage) ratio | 10.7915% | 2,427 |
| Tier 1 risk-based capital ratio | 16.2883% | 2,838 |
| Total risk-based capital ratio | 16.5766% | 3,287 |
| Memoranda: | ||
| Average total assets | $1,581,324,330 | 430 |
| Average earning assets | $1,393,551,670 | 440 |
| Average equity | $198,419,000 | 359 |
| Average total loans | $913,370,670 | 469 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1850% | 2,277 |
| Cost of funding earning assets | 0.2017% | 7,476 |
| Net interest margin | 4.9833% | 392 |
| Noninterest income to average assets | 1.7094% | 468 |
| Noninterest expense to average assets | 4.4636% | 615 |
| Loan and lease loss provision to assets | 0.0621% | 5,216 |
| Net operating income to assets | 1.5717% | 734 |
| Return on assets (ROA) | 1.5705% | 779 |
| Pretax return on assets | 1.5705% | 1,252 |
| Return on Equity (ROE) | 12.9607% | 1,206 |
| Retained earnings to average equity (ytd only) | 12.9607% | 596 |
| Net charge-offs to loans | -0.3433% | 7,358 |
| Credit loss provision to net charge-offs | -31.2500% | 5,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2139% | 4,215 |
| Assets per employee ($millions) | 3.2510% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1998% | 7,444 |
| Loan loss allowance to noncurrent loans | 6.9325% | 7,036 |
| Noncurrent assets plus other real estate owned to assets | 3.2772% | 2,091 |
| Noncurrent loans to loans | 2.8825% | 2,606 |
| Net loans and leases to total assets | 56.6307% | 4,883 |
| Net loans and leases to deposits | 65.5986% | 5,030 |
| Net loans and leases to core deposits | 67.8799% | 5,302 |
| Total domestic deposits to total assets | 86.3291% | 3,325 |
| Equity capital to assets | 12.4342% | 1,659 |
| Core capital (leverage) ratio | 10.1122% | 3,014 |
| Tier 1 risk-based capital ratio | 15.0759% | 3,384 |
| Total risk-based capital ratio | 15.2819% | 4,031 |
| Memoranda: | ||
| Average total assets | $1,610,183,000 | 421 |
| Average earning assets | $1,417,868,500 | 432 |
| Average equity | $195,113,000 | 361 |
| Average total loans | $932,073,500 | 467 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1898% | 7,645 |
| Cost of funding earning assets | 0.0111% | 7,629 |
| Net interest margin | 0.1787% | 7,633 |
| Noninterest income to average assets | 0.0369% | 7,168 |
| Noninterest expense to average assets | 0.1467% | 7,640 |
| Loan and lease loss provision to assets | 0.0127% | 6,968 |
| Net operating income to assets | 0.0341% | 5,745 |
| Return on assets (ROA) | 0.0341% | 5,880 |
| Pretax return on assets | 0.0341% | 5,827 |
| Return on Equity (ROE) | 0.6650% | 5,794 |
| Retained earnings to average equity (ytd only) | 0.6650% | 5,242 |
| Net charge-offs to loans | -0.0494% | 7,443 |
| Credit loss provision to net charge-offs | -35.7143% | 6,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6136% | 3,677 |
| Assets per employee ($millions) | 3.2877% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0793% | 7,560 |
| Loan loss allowance to noncurrent loans | 2.5262% | 7,138 |
| Noncurrent assets plus other real estate owned to assets | 4.0265% | 1,688 |
| Noncurrent loans to loans | 3.1392% | 2,427 |
| Net loans and leases to total assets | 58.9619% | 4,854 |
| Net loans and leases to deposits | 68.2701% | 5,068 |
| Net loans and leases to core deposits | 71.0543% | 5,325 |
| Total domestic deposits to total assets | 86.3656% | 3,154 |
| Equity capital to assets | 11.8062% | 2,036 |
| Core capital (leverage) ratio | 9.4803% | 3,728 |
| Tier 1 risk-based capital ratio | 14.0867% | 3,816 |
| Total risk-based capital ratio | 14.1903% | 4,618 |
| Memoranda: | ||
| Average total assets | $1,570,158,600 | 438 |
| Average earning assets | $1,375,911,000 | 445 |
| Average equity | $80,451,200 | 821 |
| Average total loans | $1,132,987,400 | 397 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2079% | 3,788 |
| Cost of funding earning assets | 1.2816% | 4,360 |
| Net interest margin | 3.9264% | 3,421 |
| Noninterest income to average assets | 0.9828% | 1,510 |
| Noninterest expense to average assets | 5.0934% | 353 |
| Loan and lease loss provision to assets | 1.0706% | 1,369 |
| Net operating income to assets | -1.7439% | 7,174 |
| Return on assets (ROA) | -1.7438% | 7,185 |
| Pretax return on assets | -1.7438% | 7,117 |
| Return on Equity (ROE) | -51.5811% | 7,571 |
| Retained earnings to average equity (ytd only) | -51.5811% | 7,569 |
| Net charge-offs to loans | 1.5699% | 1,267 |
| Credit loss provision to net charge-offs | 90.2266% | 4,754 |
| Earnings coverage of net charge-offs (x) | -0.5674% | 6,354 |
| Efficiency ratio | 111.7002% | 496 |
| Assets per employee ($millions) | 3.0875% | 5,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4450% | 563 |
| Loan loss allowance to noncurrent loans | 43.7189% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 8.7418% | 534 |
| Noncurrent loans to loans | 7.8800% | 665 |
| Net loans and leases to total assets | 68.7578% | 3,041 |
| Net loans and leases to deposits | 72.7998% | 4,724 |
| Net loans and leases to core deposits | 75.5380% | 5,116 |
| Total domestic deposits to total assets | 94.4477% | 54 |
| Equity capital to assets | 2.8461% | 7,699 |
| Core capital (leverage) ratio | 2.2058% | 7,710 |
| Tier 1 risk-based capital ratio | 2.7616% | 7,717 |
| Total risk-based capital ratio | 4.0356% | 7,717 |
| Memoranda: | ||
| Average total assets | $1,556,670,750 | 436 |
| Average earning assets | $1,362,791,250 | 448 |
| Average equity | $52,627,750 | 1,274 |
| Average total loans | $1,176,642,750 | 384 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2762% | 3,580 |
| Cost of funding earning assets | 1.3377% | 4,275 |
| Net interest margin | 3.9385% | 3,285 |
| Noninterest income to average assets | 0.9113% | 1,653 |
| Noninterest expense to average assets | 5.1362% | 346 |
| Loan and lease loss provision to assets | 1.1508% | 1,248 |
| Net operating income to assets | -1.9302% | 7,286 |
| Return on assets (ROA) | -1.9301% | 7,295 |
| Pretax return on assets | -1.9301% | 7,216 |
| Return on Equity (ROE) | -54.2829% | 7,631 |
| Retained earnings to average equity (ytd only) | -54.2829% | 7,627 |
| Net charge-offs to loans | 1.5713% | 1,208 |
| Credit loss provision to net charge-offs | 95.0972% | 4,258 |
| Earnings coverage of net charge-offs (x) | -0.6440% | 6,056 |
| Efficiency ratio | 114.3197% | 489 |
| Assets per employee ($millions) | 2.8792% | 6,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3801% | 603 |
| Loan loss allowance to noncurrent loans | 43.7525% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 9.2375% | 468 |
| Noncurrent loans to loans | 7.7256% | 687 |
| Net loans and leases to total assets | 74.2862% | 1,847 |
| Net loans and leases to deposits | 79.0972% | 3,777 |
| Net loans and leases to core deposits | 81.6560% | 4,466 |
| Total domestic deposits to total assets | 93.9176% | 79 |
| Equity capital to assets | 3.2601% | 7,739 |
| Core capital (leverage) ratio | 2.4664% | 7,761 |
| Tier 1 risk-based capital ratio | 3.0474% | 7,772 |
| Total risk-based capital ratio | 4.3209% | 7,772 |
| Memoranda: | ||
| Average total assets | $1,564,062,000 | 435 |
| Average earning assets | $1,368,284,000 | 447 |
| Average equity | $55,612,330 | 1,186 |
| Average total loans | $1,204,613,330 | 377 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2324% | 3,866 |
| Cost of funding earning assets | 1.3755% | 4,325 |
| Net interest margin | 3.8569% | 3,530 |
| Noninterest income to average assets | 0.7082% | 2,543 |
| Noninterest expense to average assets | 4.7957% | 437 |
| Loan and lease loss provision to assets | 1.2463% | 971 |
| Net operating income to assets | -1.9615% | 7,455 |
| Return on assets (ROA) | -1.9625% | 7,457 |
| Pretax return on assets | -1.9625% | 7,407 |
| Return on Equity (ROE) | -53.1528% | 7,718 |
| Retained earnings to average equity (ytd only) | -53.1528% | 7,708 |
| Net charge-offs to loans | 1.7803% | 975 |
| Credit loss provision to net charge-offs | 90.8265% | 3,644 |
| Earnings coverage of net charge-offs (x) | -0.5212% | 5,286 |
| Efficiency ratio | 113.8119% | 533 |
| Assets per employee ($millions) | 2.9684% | 6,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2161% | 686 |
| Loan loss allowance to noncurrent loans | 42.1307% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 9.6189% | 423 |
| Noncurrent loans to loans | 7.6335% | 734 |
| Net loans and leases to total assets | 74.4755% | 1,866 |
| Net loans and leases to deposits | 82.0292% | 3,279 |
| Net loans and leases to core deposits | 84.7118% | 4,105 |
| Total domestic deposits to total assets | 90.7914% | 613 |
| Equity capital to assets | 3.5605% | 7,823 |
| Core capital (leverage) ratio | 2.7796% | 7,852 |
| Tier 1 risk-based capital ratio | 3.3967% | 7,861 |
| Total risk-based capital ratio | 4.6682% | 7,861 |
| Memoranda: | ||
| Average total assets | $1,604,698,000 | 436 |
| Average earning assets | $1,403,093,000 | 451 |
| Average equity | $59,248,000 | 1,120 |
| Average total loans | $1,236,898,500 | 384 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5320% | 3,982 |
| Cost of funding earning assets | 1.8330% | 3,820 |
| Net interest margin | 3.6991% | 4,146 |
| Noninterest income to average assets | 1.1654% | 1,133 |
| Noninterest expense to average assets | 6.2427% | 283 |
| Loan and lease loss provision to assets | 2.8316% | 643 |
| Net operating income to assets | -3.8699% | 7,581 |
| Return on assets (ROA) | -3.8598% | 7,580 |
| Pretax return on assets | -4.6002% | 7,653 |
| Return on Equity (ROE) | -69.0129% | 7,805 |
| Retained earnings to average equity (ytd only) | -69.0129% | 7,802 |
| Net charge-offs to loans | 3.8095% | 460 |
| Credit loss provision to net charge-offs | 89.7900% | 6,004 |
| Earnings coverage of net charge-offs (x) | -0.5646% | 6,732 |
| Efficiency ratio | 112.5229% | 754 |
| Assets per employee ($millions) | 3.1148% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0543% | 741 |
| Loan loss allowance to noncurrent loans | 36.1437% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 9.7515% | 386 |
| Noncurrent loans to loans | 8.4504% | 571 |
| Net loans and leases to total assets | 74.8437% | 2,069 |
| Net loans and leases to deposits | 82.2147% | 3,588 |
| Net loans and leases to core deposits | 93.0213% | 4,777 |
| Total domestic deposits to total assets | 91.0345% | 524 |
| Equity capital to assets | 3.8159% | 7,875 |
| Core capital (leverage) ratio | 3.0063% | 7,907 |
| Tier 1 risk-based capital ratio | 3.6868% | 7,921 |
| Total risk-based capital ratio | 4.9563% | 7,922 |
| Memoranda: | ||
| Average total assets | $1,777,429,600 | 399 |
| Average earning assets | $1,584,099,600 | 401 |
| Average equity | $99,409,000 | 663 |
| Average total loans | $1,471,405,200 | 342 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5485% | 4,169 |
| Cost of funding earning assets | 1.9143% | 3,799 |
| Net interest margin | 3.6342% | 4,355 |
| Noninterest income to average assets | 1.2745% | 945 |
| Noninterest expense to average assets | 5.7780% | 333 |
| Loan and lease loss provision to assets | 2.5423% | 648 |
| Net operating income to assets | -3.7944% | 7,725 |
| Return on assets (ROA) | -3.7805% | 7,723 |
| Pretax return on assets | -3.7805% | 7,653 |
| Return on Equity (ROE) | -63.0178% | 7,907 |
| Retained earnings to average equity (ytd only) | -63.0178% | 7,904 |
| Net charge-offs to loans | 4.0534% | 344 |
| Credit loss provision to net charge-offs | 74.6143% | 5,894 |
| Earnings coverage of net charge-offs (x) | -0.3675% | 6,399 |
| Efficiency ratio | 93.4542% | 1,435 |
| Assets per employee ($millions) | 3.2153% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3827% | 1,192 |
| Loan loss allowance to noncurrent loans | 32.5214% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 8.9518% | 436 |
| Noncurrent loans to loans | 7.3266% | 716 |
| Net loans and leases to total assets | 76.7094% | 1,845 |
| Net loans and leases to deposits | 87.0672% | 3,133 |
| Net loans and leases to core deposits | 100.9654% | 4,270 |
| Total domestic deposits to total assets | 88.1036% | 1,612 |
| Equity capital to assets | 4.5809% | 7,976 |
| Core capital (leverage) ratio | 3.8620% | 7,991 |
| Tier 1 risk-based capital ratio | 4.4445% | 8,017 |
| Total risk-based capital ratio | 5.7060% | 8,022 |
| Memoranda: | ||
| Average total assets | $1,808,303,750 | 406 |
| Average earning assets | $1,617,870,250 | 410 |
| Average equity | $108,483,000 | 612 |
| Average total loans | $1,520,040,500 | 346 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5735% | 4,194 |
| Cost of funding earning assets | 2.0139% | 3,705 |
| Net interest margin | 3.5595% | 4,537 |
| Noninterest income to average assets | 1.4026% | 769 |
| Noninterest expense to average assets | 4.3889% | 862 |
| Loan and lease loss provision to assets | 2.7943% | 544 |
| Net operating income to assets | -2.5902% | 7,584 |
| Return on assets (ROA) | -2.5894% | 7,574 |
| Pretax return on assets | -2.5894% | 7,442 |
| Return on Equity (ROE) | -40.1091% | 7,848 |
| Retained earnings to average equity (ytd only) | -40.1091% | 7,834 |
| Net charge-offs to loans | 4.7933% | 263 |
| Credit loss provision to net charge-offs | 67.9249% | 5,457 |
| Earnings coverage of net charge-offs (x) | 0.0496% | 5,626 |
| Efficiency ratio | 92.1374% | 1,628 |
| Assets per employee ($millions) | 3.1659% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2024% | 1,239 |
| Loan loss allowance to noncurrent loans | 26.3733% | 6,749 |
| Noncurrent assets plus other real estate owned to assets | 8.9630% | 381 |
| Noncurrent loans to loans | 8.3508% | 507 |
| Net loans and leases to total assets | 81.7301% | 999 |
| Net loans and leases to deposits | 95.4138% | 1,887 |
| Net loans and leases to core deposits | 110.8044% | 3,289 |
| Total domestic deposits to total assets | 85.6586% | 2,936 |
| Equity capital to assets | 6.0736% | 7,915 |
| Core capital (leverage) ratio | 4.2942% | 8,074 |
| Tier 1 risk-based capital ratio | 4.5552% | 8,114 |
| Total risk-based capital ratio | 5.8142% | 8,115 |
| Memoranda: | ||
| Average total assets | $1,823,740,000 | 409 |
| Average earning assets | $1,634,605,000 | 411 |
| Average equity | $117,739,000 | 576 |
| Average total loans | $1,565,185,330 | 348 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5940% | 4,397 |
| Cost of funding earning assets | 2.0885% | 3,702 |
| Net interest margin | 3.5055% | 4,712 |
| Noninterest income to average assets | 1.2555% | 909 |
| Noninterest expense to average assets | 4.4469% | 753 |
| Loan and lease loss provision to assets | 2.9617% | 368 |
| Net operating income to assets | -3.0011% | 7,846 |
| Return on assets (ROA) | -3.0011% | 7,846 |
| Pretax return on assets | -3.0011% | 7,758 |
| Return on Equity (ROE) | -45.2002% | 8,025 |
| Retained earnings to average equity (ytd only) | -45.2002% | 8,008 |
| Net charge-offs to loans | 4.4162% | 258 |
| Credit loss provision to net charge-offs | 77.1704% | 4,236 |
| Earnings coverage of net charge-offs (x) | -0.0103% | 4,991 |
| Efficiency ratio | 97.3770% | 1,246 |
| Assets per employee ($millions) | 3.1654% | 5,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5790% | 707 |
| Loan loss allowance to noncurrent loans | 32.7749% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 8.0407% | 367 |
| Noncurrent loans to loans | 7.8688% | 461 |
| Net loans and leases to total assets | 84.2704% | 646 |
| Net loans and leases to deposits | 99.8903% | 1,426 |
| Net loans and leases to core deposits | 119.6954% | 2,444 |
| Total domestic deposits to total assets | 84.3629% | 3,523 |
| Equity capital to assets | 6.3529% | 7,916 |
| Core capital (leverage) ratio | 4.6114% | 8,143 |
| Tier 1 risk-based capital ratio | 4.7877% | 8,182 |
| Total risk-based capital ratio | 6.0514% | 8,176 |
| Memoranda: | ||
| Average total assets | $1,847,561,500 | 404 |
| Average earning assets | $1,661,276,500 | 408 |
| Average equity | $122,672,000 | 560 |
| Average total loans | $1,605,630,500 | 345 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7062% | 2,005 |
| Cost of funding earning assets | 2.4088% | 4,685 |
| Net interest margin | 4.2974% | 1,982 |
| Noninterest income to average assets | 0.9167% | 1,900 |
| Noninterest expense to average assets | 9.4452% | 155 |
| Loan and lease loss provision to assets | 4.7665% | 120 |
| Net operating income to assets | -9.3184% | 8,249 |
| Return on assets (ROA) | -9.3193% | 8,246 |
| Pretax return on assets | -9.5368% | 8,239 |
| Return on Equity (ROE) | -78.3982% | 8,247 |
| Retained earnings to average equity (ytd only) | -79.2855% | 8,241 |
| Net charge-offs to loans | 4.4688% | 129 |
| Credit loss provision to net charge-offs | 125.0483% | 4,276 |
| Earnings coverage of net charge-offs (x) | -1.2512% | 6,634 |
| Efficiency ratio | 84.0044% | 2,054 |
| Assets per employee ($millions) | 3.0387% | 5,960 |
| Cash dividends to net income (ytd only)* | -1.1317% | 7,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7368% | 546 |
| Loan loss allowance to noncurrent loans | 47.9248% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 5.8258% | 529 |
| Noncurrent loans to loans | 5.7106% | 669 |
| Net loans and leases to total assets | 84.9098% | 746 |
| Net loans and leases to deposits | 100.9933% | 1,705 |
| Net loans and leases to core deposits | 122.7865% | 2,418 |
| Total domestic deposits to total assets | 84.0747% | 3,288 |
| Equity capital to assets | 6.9190% | 7,770 |
| Core capital (leverage) ratio | 5.0891% | 8,200 |
| Tier 1 risk-based capital ratio | 5.5521% | 8,249 |
| Total risk-based capital ratio | 6.8186% | 8,250 |
| Memoranda: | ||
| Average total assets | $2,038,588,400 | 354 |
| Average earning assets | $1,783,221,800 | 366 |
| Average equity | $242,329,400 | 313 |
| Average total loans | $1,738,839,600 | 314 |