Home > Banamex USA > Performance and Condition Ratios
Banamex USA, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 5,854 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 0.0000% | 5,854 |
| Noninterest income to average assets | 0.0000% | 5,808 |
| Noninterest expense to average assets | 0.0000% | 5,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0000% | 5,603 |
| Return on assets (ROA) | 0.0000% | 5,610 |
| Pretax return on assets | 0.0000% | 5,599 |
| Return on Equity (ROE) | 0.0000% | 5,609 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 1.5996% | 5,776 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,804 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 5,123 |
| Noncurrent loans to loans | 0.4957% | 3,316 |
| Net loans and leases to total assets | 9.2587% | 5,809 |
| Net loans and leases to deposits | 390,000.0000% | 1 |
| Net loans and leases to core deposits | 390,000.0000% | 1 |
| Total domestic deposits to total assets | 0.0024% | 5,863 |
| Equity capital to assets | 79.8974% | 29 |
| Core capital (leverage) ratio | 75.9665% | 30 |
| Tier 1 risk-based capital ratio | 821.0458% | 3 |
| Total risk-based capital ratio | 821.0458% | 3 |
| Memoranda: | ||
| Average total assets | $132,109,500 | 3,812 |
| Average earning assets | $131,065,000 | 3,666 |
| Average equity | $100,489,500 | 818 |
| Average total loans | $16,074,000 | 5,590 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 5,912 |
| Cost of funding earning assets | 0.0000% | 5,897 |
| Net interest margin | 0.0000% | 5,912 |
| Noninterest income to average assets | 0.0000% | 5,853 |
| Noninterest expense to average assets | 0.0000% | 5,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0000% | 5,646 |
| Return on assets (ROA) | 0.0000% | 5,665 |
| Pretax return on assets | 0.0000% | 5,656 |
| Return on Equity (ROE) | 0.0000% | 5,665 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,302 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 1.1393% | 5,859 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,860 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 4,661 |
| Noncurrent loans to loans | 1.1101% | 1,865 |
| Net loans and leases to total assets | 14.8333% | 5,844 |
| Net loans and leases to deposits | 15,490.9091% | 1 |
| Net loans and leases to core deposits | 15,490.9091% | 7 |
| Total domestic deposits to total assets | 0.0958% | 5,920 |
| Equity capital to assets | 72.5524% | 30 |
| Core capital (leverage) ratio | 64.9094% | 32 |
| Tier 1 risk-based capital ratio | 470.9913% | 5 |
| Total risk-based capital ratio | 470.9913% | 5 |
| Memoranda: | ||
| Average total assets | $244,102,600 | 2,555 |
| Average earning assets | $239,955,200 | 2,434 |
| Average equity | $84,572,200 | 941 |
| Average total loans | $83,773,400 | 3,715 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 5,979 |
| Cost of funding earning assets | 0.0000% | 5,963 |
| Net interest margin | 0.0000% | 5,978 |
| Noninterest income to average assets | 0.0000% | 5,922 |
| Noninterest expense to average assets | 0.0000% | 5,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0000% | 5,718 |
| Return on assets (ROA) | 0.0000% | 5,740 |
| Pretax return on assets | 0.0000% | 5,732 |
| Return on Equity (ROE) | 0.0000% | 5,740 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,345 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 0.8608% | 5,937 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,931 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 4,173 |
| Noncurrent loans to loans | 1.8330% | 1,118 |
| Net loans and leases to total assets | 16.8472% | 5,896 |
| Net loans and leases to deposits | 357.3871% | 5 |
| Net loans and leases to core deposits | 357.3871% | 21 |
| Total domestic deposits to total assets | 4.7140% | 5,968 |
| Equity capital to assets | 55.8168% | 34 |
| Core capital (leverage) ratio | 53.0419% | 35 |
| Tier 1 risk-based capital ratio | 313.5831% | 15 |
| Total risk-based capital ratio | 313.5831% | 15 |
| Memoranda: | ||
| Average total assets | $270,665,250 | 2,366 |
| Average earning assets | $265,764,750 | 2,252 |
| Average equity | $80,711,500 | 985 |
| Average total loans | $99,604,750 | 3,401 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 6,057 |
| Cost of funding earning assets | 0.0000% | 6,040 |
| Net interest margin | 0.0000% | 6,057 |
| Noninterest income to average assets | 0.0000% | 5,999 |
| Noninterest expense to average assets | 0.0000% | 6,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0000% | 5,767 |
| Return on assets (ROA) | 0.0000% | 5,795 |
| Pretax return on assets | 0.0000% | 5,790 |
| Return on Equity (ROE) | 0.0000% | 5,795 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,286 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 0.7134% | 6,017 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,008 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 4,874 |
| Noncurrent loans to loans | 0.8138% | 2,709 |
| Net loans and leases to total assets | 19.4792% | 5,944 |
| Net loans and leases to deposits | 364.0935% | 5 |
| Net loans and leases to core deposits | 364.0935% | 24 |
| Total domestic deposits to total assets | 5.3500% | 6,046 |
| Equity capital to assets | 48.9818% | 39 |
| Core capital (leverage) ratio | 38.8111% | 48 |
| Tier 1 risk-based capital ratio | 238.7433% | 21 |
| Total risk-based capital ratio | 238.7433% | 21 |
| Memoranda: | ||
| Average total assets | $304,650,000 | 2,150 |
| Average earning assets | $298,834,330 | 2,065 |
| Average equity | $76,225,670 | 1,046 |
| Average total loans | $123,332,000 | 3,030 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 6,120 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 0.0000% | 6,120 |
| Noninterest income to average assets | 0.0000% | 6,066 |
| Noninterest expense to average assets | 0.0000% | 6,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0000% | 5,785 |
| Return on assets (ROA) | 0.0000% | 5,814 |
| Pretax return on assets | 0.0000% | 5,810 |
| Return on Equity (ROE) | 0.0000% | 5,815 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,105 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 0.9681% | 6,075 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,073 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 5,405 |
| Noncurrent loans to loans | 0.1125% | 5,024 |
| Net loans and leases to total assets | 46.9677% | 5,050 |
| Net loans and leases to deposits | 166.5629% | 7 |
| Net loans and leases to core deposits | 177.6372% | 53 |
| Total domestic deposits to total assets | 26.4403% | 6,093 |
| Equity capital to assets | 24.8704% | 95 |
| Core capital (leverage) ratio | 19.5225% | 213 |
| Tier 1 risk-based capital ratio | 51.5233% | 124 |
| Total risk-based capital ratio | 51.5233% | 129 |
| Memoranda: | ||
| Average total assets | $364,237,500 | 1,842 |
| Average earning assets | $356,714,500 | 1,742 |
| Average equity | $68,914,000 | 1,142 |
| Average total loans | $166,933,500 | 2,442 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 6,180 |
| Cost of funding earning assets | 0.0000% | 6,168 |
| Net interest margin | 0.0000% | 6,180 |
| Noninterest income to average assets | 0.0000% | 6,104 |
| Noninterest expense to average assets | 0.0000% | 6,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0000% | 5,868 |
| Return on assets (ROA) | 0.0000% | 5,896 |
| Pretax return on assets | 0.0000% | 5,888 |
| Return on Equity (ROE) | 0.0000% | 5,896 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,503 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 1.3127% | 6,119 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,124 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 4,983 |
| Noncurrent loans to loans | 0.3394% | 4,249 |
| Net loans and leases to total assets | 45.0984% | 5,219 |
| Net loans and leases to deposits | 101.6581% | 564 |
| Net loans and leases to core deposits | 105.7950% | 1,108 |
| Total domestic deposits to total assets | 42.9575% | 6,138 |
| Equity capital to assets | 14.8640% | 688 |
| Core capital (leverage) ratio | 14.6703% | 675 |
| Tier 1 risk-based capital ratio | 31.2874% | 455 |
| Total risk-based capital ratio | 31.9958% | 468 |
| Memoranda: | ||
| Average total assets | $808,510,600 | 858 |
| Average earning assets | $721,421,600 | 879 |
| Average equity | $213,107,000 | 393 |
| Average total loans | $264,683,600 | 1,646 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4722% | 6,098 |
| Cost of funding earning assets | 0.0745% | 6,141 |
| Net interest margin | 2.3977% | 5,977 |
| Noninterest income to average assets | 0.9872% | 1,213 |
| Noninterest expense to average assets | 42.0096% | 24 |
| Loan and lease loss provision to assets | 0.5905% | 158 |
| Net operating income to assets | -55.5510% | 6,270 |
| Return on assets (ROA) | -55.3968% | 6,270 |
| Pretax return on assets | -39.3446% | 6,270 |
| Return on Equity (ROE) | -199.7861% | 6,268 |
| Retained earnings to average equity (ytd only) | -199.7861% | 6,268 |
| Net charge-offs to loans | 1.3559% | 114 |
| Credit loss provision to net charge-offs | 139.2894% | 1,777 |
| Earnings coverage of net charge-offs (x) | -91.7845% | 4,177 |
| Efficiency ratio | 1,354.5848% | 2 |
| Assets per employee ($millions) | 1.3264% | 6,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3698% | 17 |
| Loan loss allowance to noncurrent loans | 1,113.7975% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 4,494 |
| Noncurrent loans to loans | 0.6617% | 3,348 |
| Net loans and leases to total assets | 44.4843% | 5,328 |
| Net loans and leases to deposits | 74.5275% | 3,482 |
| Net loans and leases to core deposits | 81.0550% | 3,338 |
| Total domestic deposits to total assets | 57.9494% | 6,193 |
| Equity capital to assets | 31.6357% | 62 |
| Core capital (leverage) ratio | 24.4344% | 98 |
| Tier 1 risk-based capital ratio | 55.9613% | 109 |
| Total risk-based capital ratio | 57.2732% | 108 |
| Memoranda: | ||
| Average total assets | $902,999,250 | 769 |
| Average earning assets | $796,184,500 | 792 |
| Average equity | $250,384,250 | 357 |
| Average total loans | $282,311,000 | 1,548 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2505% | 6,232 |
| Cost of funding earning assets | 0.0819% | 6,190 |
| Net interest margin | 2.1686% | 6,157 |
| Noninterest income to average assets | 0.9603% | 1,279 |
| Noninterest expense to average assets | 44.6323% | 25 |
| Loan and lease loss provision to assets | -0.7185% | 6,303 |
| Net operating income to assets | -61.5523% | 6,348 |
| Return on assets (ROA) | -61.4643% | 6,348 |
| Pretax return on assets | -40.9688% | 6,348 |
| Return on Equity (ROE) | -226.6591% | 6,345 |
| Retained earnings to average equity (ytd only) | -226.6591% | 6,345 |
| Net charge-offs to loans | 1.4268% | 123 |
| Credit loss provision to net charge-offs | -175.7989% | 5,012 |
| Earnings coverage of net charge-offs (x) | -102.2101% | 3,887 |
| Efficiency ratio | 1,562.2050% | 2 |
| Assets per employee ($millions) | 2.2957% | 6,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7190% | 136 |
| Loan loss allowance to noncurrent loans | 737.8320% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 5,225 |
| Noncurrent loans to loans | 0.5041% | 3,949 |
| Net loans and leases to total assets | 31.0732% | 6,005 |
| Net loans and leases to deposits | 57.7088% | 5,012 |
| Net loans and leases to core deposits | 64.9198% | 4,740 |
| Total domestic deposits to total assets | 52.0566% | 6,283 |
| Equity capital to assets | 24.5926% | 97 |
| Core capital (leverage) ratio | 21.0355% | 166 |
| Tier 1 risk-based capital ratio | 59.4340% | 101 |
| Total risk-based capital ratio | 60.7048% | 101 |
| Memoranda: | ||
| Average total assets | $1,041,299,670 | 674 |
| Average earning assets | $910,732,000 | 697 |
| Average equity | $282,374,670 | 324 |
| Average total loans | $298,280,670 | 1,487 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1937% | 6,306 |
| Cost of funding earning assets | 0.0862% | 6,247 |
| Net interest margin | 2.1075% | 6,246 |
| Noninterest income to average assets | 1.0213% | 1,070 |
| Noninterest expense to average assets | 16.5088% | 48 |
| Loan and lease loss provision to assets | 0.2152% | 827 |
| Net operating income to assets | -8.4307% | 6,414 |
| Return on assets (ROA) | -8.4223% | 6,414 |
| Pretax return on assets | -13.8953% | 6,417 |
| Return on Equity (ROE) | -30.0037% | 6,381 |
| Retained earnings to average equity (ytd only) | -30.0037% | 6,341 |
| Net charge-offs to loans | 1.4060% | 143 |
| Credit loss provision to net charge-offs | 56.1178% | 2,043 |
| Earnings coverage of net charge-offs (x) | -35.7065% | 3,271 |
| Efficiency ratio | 586.3175% | 5 |
| Assets per employee ($millions) | 2.6924% | 5,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2332% | 60 |
| Loan loss allowance to noncurrent loans | 923.9387% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 5,315 |
| Noncurrent loans to loans | 0.5664% | 3,891 |
| Net loans and leases to total assets | 26.7501% | 6,174 |
| Net loans and leases to deposits | 40.5841% | 5,895 |
| Net loans and leases to core deposits | 45.9344% | 5,758 |
| Total domestic deposits to total assets | 63.6778% | 6,284 |
| Equity capital to assets | 28.9077% | 71 |
| Core capital (leverage) ratio | 18.2740% | 272 |
| Tier 1 risk-based capital ratio | 49.0176% | 158 |
| Total risk-based capital ratio | 50.3026% | 159 |
| Memoranda: | ||
| Average total assets | $1,133,795,000 | 620 |
| Average earning assets | $965,304,500 | 662 |
| Average equity | $318,267,500 | 297 |
| Average total loans | $309,240,500 | 1,439 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2627% | 6,390 |
| Cost of funding earning assets | 0.1019% | 6,320 |
| Net interest margin | 2.1607% | 6,322 |
| Noninterest income to average assets | 0.8697% | 1,605 |
| Noninterest expense to average assets | 15.8332% | 47 |
| Loan and lease loss provision to assets | -0.1996% | 6,291 |
| Net operating income to assets | -8.2571% | 6,507 |
| Return on assets (ROA) | -8.2708% | 6,507 |
| Pretax return on assets | -12.8779% | 6,509 |
| Return on Equity (ROE) | -41.1315% | 6,478 |
| Retained earnings to average equity (ytd only) | -41.1315% | 6,475 |
| Net charge-offs to loans | 1.4511% | 171 |
| Credit loss provision to net charge-offs | -44.2000% | 5,406 |
| Earnings coverage of net charge-offs (x) | -28.9154% | 4,941 |
| Efficiency ratio | 570.1525% | 3 |
| Assets per employee ($millions) | 3.1674% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0610% | 72 |
| Loan loss allowance to noncurrent loans | 871.8683% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 5,411 |
| Noncurrent loans to loans | 0.5805% | 3,927 |
| Net loans and leases to total assets | 25.0996% | 6,296 |
| Net loans and leases to deposits | 36.6402% | 6,152 |
| Net loans and leases to core deposits | 42.3194% | 6,021 |
| Total domestic deposits to total assets | 65.6019% | 6,335 |
| Equity capital to assets | 27.3355% | 76 |
| Core capital (leverage) ratio | 21.9233% | 141 |
| Tier 1 risk-based capital ratio | 61.5484% | 90 |
| Total risk-based capital ratio | 62.8384% | 88 |
| Memoranda: | ||
| Average total assets | $1,177,991,200 | 577 |
| Average earning assets | $1,039,842,400 | 591 |
| Average equity | $236,872,000 | 351 |
| Average total loans | $366,539,400 | 1,207 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2957% | 6,460 |
| Cost of funding earning assets | 0.1051% | 6,396 |
| Net interest margin | 2.1907% | 6,395 |
| Noninterest income to average assets | 0.9159% | 1,463 |
| Noninterest expense to average assets | 16.5340% | 44 |
| Loan and lease loss provision to assets | -0.2050% | 6,394 |
| Net operating income to assets | -8.7655% | 6,586 |
| Return on assets (ROA) | -8.7848% | 6,586 |
| Pretax return on assets | -13.5003% | 6,588 |
| Return on Equity (ROE) | -48.1473% | 6,565 |
| Retained earnings to average equity (ytd only) | -48.1473% | 6,563 |
| Net charge-offs to loans | 1.4425% | 170 |
| Credit loss provision to net charge-offs | -43.9668% | 5,332 |
| Earnings coverage of net charge-offs (x) | -29.3324% | 4,662 |
| Efficiency ratio | 578.4152% | 4 |
| Assets per employee ($millions) | 3.4565% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1306% | 72 |
| Loan loss allowance to noncurrent loans | 992.9640% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 5,556 |
| Noncurrent loans to loans | 0.5167% | 4,386 |
| Net loans and leases to total assets | 28.7929% | 6,293 |
| Net loans and leases to deposits | 38.5104% | 6,167 |
| Net loans and leases to core deposits | 44.7394% | 6,008 |
| Total domestic deposits to total assets | 71.3417% | 6,212 |
| Equity capital to assets | 20.8599% | 196 |
| Core capital (leverage) ratio | 13.5289% | 988 |
| Tier 1 risk-based capital ratio | 37.3294% | 289 |
| Total risk-based capital ratio | 38.6205% | 286 |
| Memoranda: | ||
| Average total assets | $1,170,792,750 | 577 |
| Average earning assets | $1,038,185,000 | 590 |
| Average equity | $213,619,750 | 382 |
| Average total loans | $378,413,000 | 1,178 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3044% | 6,527 |
| Cost of funding earning assets | 0.1049% | 6,468 |
| Net interest margin | 2.1995% | 6,450 |
| Noninterest income to average assets | 0.9526% | 1,322 |
| Noninterest expense to average assets | 17.2251% | 40 |
| Loan and lease loss provision to assets | -0.0894% | 6,359 |
| Net operating income to assets | -9.0928% | 6,653 |
| Return on assets (ROA) | -9.0928% | 6,653 |
| Pretax return on assets | -14.2210% | 6,656 |
| Return on Equity (ROE) | -52.2762% | 6,636 |
| Retained earnings to average equity (ytd only) | -52.2762% | 6,630 |
| Net charge-offs to loans | 1.3718% | 213 |
| Credit loss provision to net charge-offs | -19.7596% | 5,102 |
| Earnings coverage of net charge-offs (x) | -31.6469% | 4,348 |
| Efficiency ratio | 590.9610% | 3 |
| Assets per employee ($millions) | 3.3761% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7800% | 55 |
| Loan loss allowance to noncurrent loans | 888.0327% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 5,509 |
| Noncurrent loans to loans | 0.6509% | 4,079 |
| Net loans and leases to total assets | 29.6439% | 6,320 |
| Net loans and leases to deposits | 37.4958% | 6,244 |
| Net loans and leases to core deposits | 43.6256% | 6,080 |
| Total domestic deposits to total assets | 75.5556% | 5,962 |
| Equity capital to assets | 16.4761% | 483 |
| Core capital (leverage) ratio | 9.5165% | 4,311 |
| Tier 1 risk-based capital ratio | 25.9832% | 778 |
| Total risk-based capital ratio | 27.2814% | 756 |
| Memoranda: | ||
| Average total assets | $1,177,387,000 | 570 |
| Average earning assets | $1,050,320,330 | 577 |
| Average equity | $204,793,000 | 389 |
| Average total loans | $388,106,670 | 1,132 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2653% | 6,607 |
| Cost of funding earning assets | 0.1048% | 6,550 |
| Net interest margin | 2.1605% | 6,544 |
| Noninterest income to average assets | 1.0903% | 939 |
| Noninterest expense to average assets | 13.9432% | 51 |
| Loan and lease loss provision to assets | -0.0804% | 6,483 |
| Net operating income to assets | -6.9981% | 6,719 |
| Return on assets (ROA) | -6.9981% | 6,719 |
| Pretax return on assets | -10.8263% | 6,726 |
| Return on Equity (ROE) | -39.2536% | 6,681 |
| Retained earnings to average equity (ytd only) | -39.2536% | 6,651 |
| Net charge-offs to loans | 1.2514% | 266 |
| Credit loss provision to net charge-offs | -19.0816% | 4,697 |
| Earnings coverage of net charge-offs (x) | -25.8828% | 3,625 |
| Efficiency ratio | 459.1913% | 3 |
| Assets per employee ($millions) | 3.2321% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6881% | 64 |
| Loan loss allowance to noncurrent loans | 900.0807% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 5,576 |
| Noncurrent loans to loans | 0.6320% | 4,283 |
| Net loans and leases to total assets | 31.7962% | 6,275 |
| Net loans and leases to deposits | 40.8130% | 6,143 |
| Net loans and leases to core deposits | 47.8218% | 5,884 |
| Total domestic deposits to total assets | 74.4103% | 6,209 |
| Equity capital to assets | 17.5151% | 350 |
| Core capital (leverage) ratio | 12.3431% | 1,457 |
| Tier 1 risk-based capital ratio | 30.5419% | 509 |
| Total risk-based capital ratio | 31.8367% | 498 |
| Memoranda: | ||
| Average total assets | $1,198,890,000 | 565 |
| Average earning assets | $1,079,944,000 | 568 |
| Average equity | $213,738,500 | 373 |
| Average total loans | $403,708,000 | 1,087 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2088% | 6,687 |
| Cost of funding earning assets | 0.1491% | 6,541 |
| Net interest margin | 2.0597% | 6,636 |
| Noninterest income to average assets | 0.3002% | 5,199 |
| Noninterest expense to average assets | 8.2633% | 110 |
| Loan and lease loss provision to assets | 0.2722% | 1,295 |
| Net operating income to assets | -3.9898% | 6,786 |
| Return on assets (ROA) | -3.9898% | 6,785 |
| Pretax return on assets | -6.3321% | 6,804 |
| Return on Equity (ROE) | -21.6437% | 6,693 |
| Retained earnings to average equity (ytd only) | -21.6437% | 6,681 |
| Net charge-offs to loans | 1.2583% | 414 |
| Credit loss provision to net charge-offs | 64.1691% | 3,447 |
| Earnings coverage of net charge-offs (x) | -14.2842% | 5,438 |
| Efficiency ratio | 375.0154% | 7 |
| Assets per employee ($millions) | 3.9814% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7371% | 53 |
| Loan loss allowance to noncurrent loans | 1,003.2435% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 5,730 |
| Noncurrent loans to loans | 0.5719% | 4,555 |
| Net loans and leases to total assets | 31.7057% | 6,402 |
| Net loans and leases to deposits | 40.5328% | 6,281 |
| Net loans and leases to core deposits | 47.6252% | 6,055 |
| Total domestic deposits to total assets | 74.5404% | 6,242 |
| Equity capital to assets | 18.1230% | 311 |
| Core capital (leverage) ratio | 13.9287% | 843 |
| Tier 1 risk-based capital ratio | 35.1026% | 327 |
| Total risk-based capital ratio | 36.3972% | 316 |
| Memoranda: | ||
| Average total assets | $1,399,940,200 | 482 |
| Average earning assets | $1,293,660,200 | 474 |
| Average equity | $258,065,400 | 312 |
| Average total loans | $472,000,000 | 902 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2052% | 6,768 |
| Cost of funding earning assets | 0.1576% | 6,609 |
| Net interest margin | 2.0476% | 6,714 |
| Noninterest income to average assets | 1.3797% | 767 |
| Noninterest expense to average assets | 8.0151% | 117 |
| Loan and lease loss provision to assets | 0.4158% | 713 |
| Net operating income to assets | -3.3404% | 6,859 |
| Return on assets (ROA) | -3.3404% | 6,857 |
| Pretax return on assets | -5.1524% | 6,878 |
| Return on Equity (ROE) | -18.0554% | 6,762 |
| Retained earnings to average equity (ytd only) | -18.0554% | 6,744 |
| Net charge-offs to loans | 1.2419% | 433 |
| Credit loss provision to net charge-offs | 99.2493% | 2,404 |
| Earnings coverage of net charge-offs (x) | -11.3060% | 5,169 |
| Efficiency ratio | 244.4755% | 14 |
| Assets per employee ($millions) | 4.9328% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7392% | 65 |
| Loan loss allowance to noncurrent loans | 977.4048% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.2051% | 5,821 |
| Noncurrent loans to loans | 0.5872% | 4,735 |
| Net loans and leases to total assets | 32.9280% | 6,411 |
| Net loans and leases to deposits | 41.9496% | 6,309 |
| Net loans and leases to core deposits | 49.9349% | 6,019 |
| Total domestic deposits to total assets | 73.4048% | 6,406 |
| Equity capital to assets | 18.8314% | 273 |
| Core capital (leverage) ratio | 17.5398% | 333 |
| Tier 1 risk-based capital ratio | 42.0231% | 216 |
| Total risk-based capital ratio | 43.3134% | 213 |
| Memoranda: | ||
| Average total assets | $1,441,366,250 | 469 |
| Average earning assets | $1,336,632,750 | 464 |
| Average equity | $266,661,500 | 302 |
| Average total loans | $486,215,000 | 874 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1883% | 6,817 |
| Cost of funding earning assets | 0.1657% | 6,642 |
| Net interest margin | 2.0226% | 6,755 |
| Noninterest income to average assets | 1.4949% | 704 |
| Noninterest expense to average assets | 5.9884% | 208 |
| Loan and lease loss provision to assets | -0.5076% | 6,873 |
| Net operating income to assets | -1.3689% | 6,796 |
| Return on assets (ROA) | -1.3689% | 6,800 |
| Pretax return on assets | -2.1029% | 6,854 |
| Return on Equity (ROE) | -7.4374% | 6,701 |
| Retained earnings to average equity (ytd only) | -7.4374% | 6,590 |
| Net charge-offs to loans | 1.1495% | 510 |
| Credit loss provision to net charge-offs | -132.2614% | 5,650 |
| Earnings coverage of net charge-offs (x) | -6.8022% | 4,843 |
| Efficiency ratio | 177.2783% | 42 |
| Assets per employee ($millions) | 5.3000% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1286% | 228 |
| Loan loss allowance to noncurrent loans | 736.3602% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 5,939 |
| Noncurrent loans to loans | 0.5607% | 4,857 |
| Net loans and leases to total assets | 31.6712% | 6,524 |
| Net loans and leases to deposits | 39.8622% | 6,407 |
| Net loans and leases to core deposits | 47.0152% | 6,180 |
| Total domestic deposits to total assets | 74.6357% | 6,389 |
| Equity capital to assets | 19.0348% | 254 |
| Core capital (leverage) ratio | 17.9362% | 291 |
| Tier 1 risk-based capital ratio | 44.3951% | 176 |
| Total risk-based capital ratio | 45.6695% | 174 |
| Memoranda: | ||
| Average total assets | $1,491,021,000 | 458 |
| Average earning assets | $1,388,107,330 | 442 |
| Average equity | $274,423,000 | 297 |
| Average total loans | $497,795,670 | 848 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1495% | 6,906 |
| Cost of funding earning assets | 0.1707% | 6,727 |
| Net interest margin | 1.9787% | 6,850 |
| Noninterest income to average assets | 1.6372% | 581 |
| Noninterest expense to average assets | 4.9465% | 385 |
| Loan and lease loss provision to assets | 0.6551% | 368 |
| Net operating income to assets | -1.3669% | 6,872 |
| Return on assets (ROA) | -1.3669% | 6,876 |
| Pretax return on assets | -2.1149% | 6,923 |
| Return on Equity (ROE) | -7.5464% | 6,751 |
| Retained earnings to average equity (ytd only) | -7.5464% | 6,500 |
| Net charge-offs to loans | 1.0535% | 577 |
| Credit loss provision to net charge-offs | 185.3442% | 1,164 |
| Earnings coverage of net charge-offs (x) | -4.1303% | 4,062 |
| Efficiency ratio | 141.8667% | 104 |
| Assets per employee ($millions) | 5.8321% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4227% | 103 |
| Loan loss allowance to noncurrent loans | 1,069.7987% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 6,071 |
| Noncurrent loans to loans | 0.5069% | 5,161 |
| Net loans and leases to total assets | 31.1684% | 6,557 |
| Net loans and leases to deposits | 38.5057% | 6,486 |
| Net loans and leases to core deposits | 46.2348% | 6,200 |
| Total domestic deposits to total assets | 72.0512% | 6,654 |
| Equity capital to assets | 18.0974% | 325 |
| Core capital (leverage) ratio | 17.8991% | 290 |
| Tier 1 risk-based capital ratio | 41.5942% | 212 |
| Total risk-based capital ratio | 42.8800% | 212 |
| Memoranda: | ||
| Average total assets | $1,528,986,500 | 455 |
| Average earning assets | $1,429,194,000 | 438 |
| Average equity | $276,955,000 | 296 |
| Average total loans | $512,955,500 | 827 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5144% | 6,935 |
| Cost of funding earning assets | 0.1928% | 6,854 |
| Net interest margin | 2.3216% | 6,830 |
| Noninterest income to average assets | 2.0968% | 403 |
| Noninterest expense to average assets | 4.3818% | 634 |
| Loan and lease loss provision to assets | 0.3851% | 1,695 |
| Net operating income to assets | -0.3019% | 6,441 |
| Return on assets (ROA) | -0.3019% | 6,495 |
| Pretax return on assets | -0.5249% | 6,584 |
| Return on Equity (ROE) | -1.5509% | 6,426 |
| Retained earnings to average equity (ytd only) | -1.5509% | 6,097 |
| Net charge-offs to loans | 1.5408% | 572 |
| Credit loss provision to net charge-offs | 62.0509% | 4,392 |
| Earnings coverage of net charge-offs (x) | -0.2254% | 5,582 |
| Efficiency ratio | 103.2975% | 453 |
| Assets per employee ($millions) | 5.8617% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9307% | 140 |
| Loan loss allowance to noncurrent loans | 977.5810% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 6,133 |
| Noncurrent loans to loans | 0.5044% | 5,273 |
| Net loans and leases to total assets | 32.4493% | 6,606 |
| Net loans and leases to deposits | 39.9517% | 6,552 |
| Net loans and leases to core deposits | 48.4473% | 6,239 |
| Total domestic deposits to total assets | 71.6382% | 6,710 |
| Equity capital to assets | 18.1296% | 317 |
| Core capital (leverage) ratio | 18.0337% | 282 |
| Tier 1 risk-based capital ratio | 40.9973% | 221 |
| Total risk-based capital ratio | 42.2793% | 217 |
| Memoranda: | ||
| Average total assets | $1,444,146,600 | 467 |
| Average earning assets | $1,334,359,600 | 455 |
| Average equity | $281,128,000 | 285 |
| Average total loans | $581,649,200 | 713 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5936% | 7,027 |
| Cost of funding earning assets | 0.1939% | 6,961 |
| Net interest margin | 2.3997% | 6,894 |
| Noninterest income to average assets | 2.2641% | 355 |
| Noninterest expense to average assets | 4.4585% | 568 |
| Loan and lease loss provision to assets | 0.6893% | 742 |
| Net operating income to assets | -0.3828% | 6,637 |
| Return on assets (ROA) | -0.3828% | 6,681 |
| Pretax return on assets | -0.6731% | 6,772 |
| Return on Equity (ROE) | -1.9303% | 6,561 |
| Retained earnings to average equity (ytd only) | -1.9303% | 6,386 |
| Net charge-offs to loans | 1.6093% | 520 |
| Credit loss provision to net charge-offs | 102.1146% | 2,884 |
| Earnings coverage of net charge-offs (x) | 0.0239% | 5,320 |
| Efficiency ratio | 99.6390% | 551 |
| Assets per employee ($millions) | 5.9622% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2271% | 123 |
| Loan loss allowance to noncurrent loans | 983.5945% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 6,217 |
| Noncurrent loans to loans | 0.5314% | 5,382 |
| Net loans and leases to total assets | 35.4558% | 6,581 |
| Net loans and leases to deposits | 43.9162% | 6,506 |
| Net loans and leases to core deposits | 54.3714% | 6,021 |
| Total domestic deposits to total assets | 69.4187% | 6,870 |
| Equity capital to assets | 18.5463% | 321 |
| Core capital (leverage) ratio | 18.7139% | 262 |
| Tier 1 risk-based capital ratio | 38.4112% | 277 |
| Total risk-based capital ratio | 39.6960% | 269 |
| Memoranda: | ||
| Average total assets | $1,419,774,500 | 471 |
| Average earning assets | $1,307,916,750 | 465 |
| Average equity | $281,536,750 | 286 |
| Average total loans | $595,513,000 | 690 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7181% | 7,072 |
| Cost of funding earning assets | 0.1975% | 7,037 |
| Net interest margin | 2.5206% | 6,874 |
| Noninterest income to average assets | 2.4960% | 299 |
| Noninterest expense to average assets | 4.3759% | 606 |
| Loan and lease loss provision to assets | 0.8794% | 540 |
| Net operating income to assets | -0.2428% | 6,574 |
| Return on assets (ROA) | -0.2428% | 6,636 |
| Pretax return on assets | -0.4490% | 6,726 |
| Return on Equity (ROE) | -1.1966% | 6,558 |
| Retained earnings to average equity (ytd only) | -1.1966% | 6,239 |
| Net charge-offs to loans | 1.7646% | 502 |
| Credit loss provision to net charge-offs | 114.3472% | 2,387 |
| Earnings coverage of net charge-offs (x) | 0.5597% | 4,790 |
| Efficiency ratio | 91.0443% | 989 |
| Assets per employee ($millions) | 5.6539% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2275% | 130 |
| Loan loss allowance to noncurrent loans | 1,022.5127% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 6,268 |
| Noncurrent loans to loans | 0.5112% | 5,507 |
| Net loans and leases to total assets | 38.1658% | 6,467 |
| Net loans and leases to deposits | 47.8938% | 6,316 |
| Net loans and leases to core deposits | 58.1063% | 5,764 |
| Total domestic deposits to total assets | 71.1137% | 6,849 |
| Equity capital to assets | 19.7017% | 247 |
| Core capital (leverage) ratio | 19.7387% | 222 |
| Tier 1 risk-based capital ratio | 37.3757% | 294 |
| Total risk-based capital ratio | 38.6599% | 282 |
| Memoranda: | ||
| Average total assets | $1,390,218,000 | 485 |
| Average earning assets | $1,274,199,670 | 476 |
| Average equity | $282,128,670 | 286 |
| Average total loans | $605,907,670 | 681 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7541% | 7,126 |
| Cost of funding earning assets | 0.2063% | 7,096 |
| Net interest margin | 2.5478% | 6,919 |
| Noninterest income to average assets | 2.2492% | 342 |
| Noninterest expense to average assets | 4.7771% | 432 |
| Loan and lease loss provision to assets | 0.8417% | 558 |
| Net operating income to assets | -0.6151% | 6,878 |
| Return on assets (ROA) | -0.6151% | 6,902 |
| Pretax return on assets | -1.0513% | 6,987 |
| Return on Equity (ROE) | -2.9857% | 6,754 |
| Retained earnings to average equity (ytd only) | -2.9857% | 6,394 |
| Net charge-offs to loans | 1.8092% | 525 |
| Credit loss provision to net charge-offs | 102.6709% | 2,244 |
| Earnings coverage of net charge-offs (x) | -0.2557% | 4,456 |
| Efficiency ratio | 104.5893% | 440 |
| Assets per employee ($millions) | 5.5371% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7757% | 207 |
| Loan loss allowance to noncurrent loans | 815.8902% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 6,244 |
| Noncurrent loans to loans | 0.5853% | 5,496 |
| Net loans and leases to total assets | 41.7113% | 6,217 |
| Net loans and leases to deposits | 52.6186% | 5,936 |
| Net loans and leases to core deposits | 63.6354% | 5,160 |
| Total domestic deposits to total assets | 70.3843% | 6,965 |
| Equity capital to assets | 20.0040% | 226 |
| Core capital (leverage) ratio | 19.9996% | 204 |
| Tier 1 risk-based capital ratio | 35.4471% | 329 |
| Total risk-based capital ratio | 36.7278% | 320 |
| Memoranda: | ||
| Average total assets | $1,370,109,000 | 484 |
| Average earning assets | $1,246,715,000 | 490 |
| Average equity | $282,283,000 | 284 |
| Average total loans | $620,836,000 | 671 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1094% | 7,147 |
| Cost of funding earning assets | 0.2037% | 7,235 |
| Net interest margin | 2.9057% | 6,677 |
| Noninterest income to average assets | 2.4614% | 278 |
| Noninterest expense to average assets | 4.5232% | 582 |
| Loan and lease loss provision to assets | 0.0114% | 6,392 |
| Net operating income to assets | 0.3766% | 4,964 |
| Return on assets (ROA) | 0.3766% | 5,141 |
| Pretax return on assets | 0.5674% | 4,790 |
| Return on Equity (ROE) | 1.7139% | 5,767 |
| Retained earnings to average equity (ytd only) | 1.7139% | 4,993 |
| Net charge-offs to loans | 2.0591% | 658 |
| Credit loss provision to net charge-offs | 1.1986% | 6,061 |
| Earnings coverage of net charge-offs (x) | 0.6085% | 5,366 |
| Efficiency ratio | 88.6549% | 1,303 |
| Assets per employee ($millions) | 4.8679% | 2,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6907% | 217 |
| Loan loss allowance to noncurrent loans | 744.6333% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 6,229 |
| Noncurrent loans to loans | 0.6299% | 5,455 |
| Net loans and leases to total assets | 44.7046% | 6,143 |
| Net loans and leases to deposits | 57.3902% | 5,763 |
| Net loans and leases to core deposits | 69.6312% | 4,831 |
| Total domestic deposits to total assets | 69.1550% | 7,027 |
| Equity capital to assets | 21.2345% | 182 |
| Core capital (leverage) ratio | 21.2302% | 158 |
| Tier 1 risk-based capital ratio | 35.0850% | 333 |
| Total risk-based capital ratio | 36.3646% | 326 |
| Memoranda: | ||
| Average total assets | $1,280,514,400 | 513 |
| Average earning assets | $1,163,667,200 | 509 |
| Average equity | $281,397,600 | 276 |
| Average total loans | $591,570,200 | 706 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1481% | 7,222 |
| Cost of funding earning assets | 0.2019% | 7,327 |
| Net interest margin | 2.9462% | 6,674 |
| Noninterest income to average assets | 2.4943% | 265 |
| Noninterest expense to average assets | 4.4804% | 587 |
| Loan and lease loss provision to assets | 0.0320% | 6,041 |
| Net operating income to assets | 0.4333% | 4,843 |
| Return on assets (ROA) | 0.4333% | 5,038 |
| Pretax return on assets | 0.6735% | 4,568 |
| Return on Equity (ROE) | 1.9543% | 5,793 |
| Retained earnings to average equity (ytd only) | 1.9543% | 5,160 |
| Net charge-offs to loans | 2.1962% | 557 |
| Credit loss provision to net charge-offs | 3.1653% | 5,718 |
| Earnings coverage of net charge-offs (x) | 0.6981% | 5,105 |
| Efficiency ratio | 86.3963% | 1,493 |
| Assets per employee ($millions) | 4.8294% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9496% | 194 |
| Loan loss allowance to noncurrent loans | 896.8689% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.2753% | 6,374 |
| Noncurrent loans to loans | 0.5519% | 5,761 |
| Net loans and leases to total assets | 47.4227% | 6,015 |
| Net loans and leases to deposits | 61.3754% | 5,472 |
| Net loans and leases to core deposits | 73.3166% | 4,548 |
| Total domestic deposits to total assets | 69.7986% | 7,051 |
| Equity capital to assets | 21.7315% | 176 |
| Core capital (leverage) ratio | 21.2521% | 170 |
| Tier 1 risk-based capital ratio | 34.4091% | 372 |
| Total risk-based capital ratio | 35.6924% | 364 |
| Memoranda: | ||
| Average total assets | $1,267,193,250 | 524 |
| Average earning assets | $1,157,692,750 | 513 |
| Average equity | $280,940,500 | 275 |
| Average total loans | $583,059,000 | 728 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1402% | 7,303 |
| Cost of funding earning assets | 0.1977% | 7,416 |
| Net interest margin | 2.9425% | 6,710 |
| Noninterest income to average assets | 2.5463% | 265 |
| Noninterest expense to average assets | 4.5195% | 582 |
| Loan and lease loss provision to assets | -0.2048% | 7,451 |
| Net operating income to assets | 0.5934% | 4,095 |
| Return on assets (ROA) | 0.5934% | 4,228 |
| Pretax return on assets | 0.9235% | 3,539 |
| Return on Equity (ROE) | 2.6583% | 5,541 |
| Retained earnings to average equity (ytd only) | 2.6583% | 4,600 |
| Net charge-offs to loans | 2.5057% | 473 |
| Credit loss provision to net charge-offs | -18.2994% | 6,198 |
| Earnings coverage of net charge-offs (x) | 0.6420% | 4,822 |
| Efficiency ratio | 86.2808% | 1,575 |
| Assets per employee ($millions) | 5.1047% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5510% | 142 |
| Loan loss allowance to noncurrent loans | 928.4190% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 6,467 |
| Noncurrent loans to loans | 0.5979% | 5,726 |
| Net loans and leases to total assets | 41.9007% | 6,599 |
| Net loans and leases to deposits | 53.7074% | 6,330 |
| Net loans and leases to core deposits | 64.5233% | 5,668 |
| Total domestic deposits to total assets | 69.4228% | 7,140 |
| Equity capital to assets | 21.0022% | 212 |
| Core capital (leverage) ratio | 21.4520% | 173 |
| Tier 1 risk-based capital ratio | 36.4933% | 310 |
| Total risk-based capital ratio | 37.7813% | 302 |
| Memoranda: | ||
| Average total assets | $1,256,558,330 | 530 |
| Average earning assets | $1,149,488,000 | 519 |
| Average equity | $280,483,000 | 276 |
| Average total loans | $561,362,670 | 769 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1693% | 7,349 |
| Cost of funding earning assets | 0.2000% | 7,478 |
| Net interest margin | 2.9693% | 6,638 |
| Noninterest income to average assets | 2.6711% | 247 |
| Noninterest expense to average assets | 4.4510% | 626 |
| Loan and lease loss provision to assets | -0.4469% | 7,532 |
| Net operating income to assets | 0.9048% | 2,540 |
| Return on assets (ROA) | 0.9048% | 2,600 |
| Pretax return on assets | 1.3873% | 1,758 |
| Return on Equity (ROE) | 3.9250% | 4,943 |
| Retained earnings to average equity (ytd only) | 3.9250% | 3,815 |
| Net charge-offs to loans | 2.8979% | 377 |
| Credit loss provision to net charge-offs | -34.3901% | 5,633 |
| Earnings coverage of net charge-offs (x) | 0.7236% | 4,092 |
| Efficiency ratio | 82.5579% | 2,145 |
| Assets per employee ($millions) | 5.0161% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6942% | 71 |
| Loan loss allowance to noncurrent loans | 771.8075% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 6,256 |
| Noncurrent loans to loans | 0.8673% | 5,303 |
| Net loans and leases to total assets | 40.7563% | 6,724 |
| Net loans and leases to deposits | 53.4346% | 6,351 |
| Net loans and leases to core deposits | 64.6252% | 5,667 |
| Total domestic deposits to total assets | 67.1824% | 7,294 |
| Equity capital to assets | 22.7748% | 151 |
| Core capital (leverage) ratio | 22.9364% | 142 |
| Tier 1 risk-based capital ratio | 38.0664% | 272 |
| Total risk-based capital ratio | 39.3613% | 265 |
| Memoranda: | ||
| Average total assets | $1,213,573,000 | 553 |
| Average earning assets | $1,111,794,500 | 540 |
| Average equity | $279,744,500 | 273 |
| Average total loans | $544,249,000 | 796 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4866% | 7,394 |
| Cost of funding earning assets | 0.2991% | 7,506 |
| Net interest margin | 3.1875% | 6,297 |
| Noninterest income to average assets | 2.7896% | 250 |
| Noninterest expense to average assets | 4.0295% | 1,122 |
| Loan and lease loss provision to assets | 0.5426% | 2,975 |
| Net operating income to assets | 0.6521% | 3,429 |
| Return on assets (ROA) | 0.6521% | 3,574 |
| Pretax return on assets | 1.1267% | 2,479 |
| Return on Equity (ROE) | 2.8976% | 4,991 |
| Retained earnings to average equity (ytd only) | 2.8976% | 3,828 |
| Net charge-offs to loans | 2.9306% | 575 |
| Credit loss provision to net charge-offs | 34.1740% | 6,459 |
| Earnings coverage of net charge-offs (x) | 1.0514% | 5,057 |
| Efficiency ratio | 70.7077% | 4,036 |
| Assets per employee ($millions) | 4.9924% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5307% | 49 |
| Loan loss allowance to noncurrent loans | 703.0411% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 6,042 |
| Noncurrent loans to loans | 1.0712% | 4,942 |
| Net loans and leases to total assets | 42.5850% | 6,818 |
| Net loans and leases to deposits | 56.3229% | 6,413 |
| Net loans and leases to core deposits | 69.4379% | 5,500 |
| Total domestic deposits to total assets | 65.1907% | 7,415 |
| Equity capital to assets | 23.3372% | 154 |
| Core capital (leverage) ratio | 22.3197% | 163 |
| Tier 1 risk-based capital ratio | 37.6045% | 285 |
| Total risk-based capital ratio | 38.9087% | 275 |
| Memoranda: | ||
| Average total assets | $1,226,140,600 | 548 |
| Average earning assets | $1,119,078,600 | 542 |
| Average equity | $275,953,400 | 272 |
| Average total loans | $664,292,600 | 655 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5636% | 7,508 |
| Cost of funding earning assets | 0.3164% | 7,626 |
| Net interest margin | 3.2472% | 6,183 |
| Noninterest income to average assets | 2.7520% | 243 |
| Noninterest expense to average assets | 3.8586% | 1,265 |
| Loan and lease loss provision to assets | 0.1227% | 5,800 |
| Net operating income to assets | 1.1921% | 1,611 |
| Return on assets (ROA) | 1.1921% | 1,700 |
| Pretax return on assets | 1.7338% | 1,042 |
| Return on Equity (ROE) | 5.3448% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.3448% | 2,742 |
| Net charge-offs to loans | 2.9443% | 542 |
| Credit loss provision to net charge-offs | 7.4234% | 6,348 |
| Earnings coverage of net charge-offs (x) | 1.1232% | 4,928 |
| Efficiency ratio | 67.5153% | 4,560 |
| Assets per employee ($millions) | 5.8123% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9753% | 62 |
| Loan loss allowance to noncurrent loans | 638.5229% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 6,140 |
| Noncurrent loans to loans | 1.0924% | 5,057 |
| Net loans and leases to total assets | 43.7367% | 6,860 |
| Net loans and leases to deposits | 57.6238% | 6,492 |
| Net loans and leases to core deposits | 71.4174% | 5,584 |
| Total domestic deposits to total assets | 66.2420% | 7,460 |
| Equity capital to assets | 23.0218% | 164 |
| Core capital (leverage) ratio | 22.7275% | 158 |
| Tier 1 risk-based capital ratio | 35.7476% | 327 |
| Total risk-based capital ratio | 37.0452% | 322 |
| Memoranda: | ||
| Average total assets | $1,234,380,000 | 540 |
| Average earning assets | $1,126,383,500 | 532 |
| Average equity | $275,327,750 | 267 |
| Average total loans | $692,991,250 | 631 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7046% | 7,530 |
| Cost of funding earning assets | 0.3253% | 7,703 |
| Net interest margin | 3.3793% | 5,719 |
| Noninterest income to average assets | 2.6165% | 256 |
| Noninterest expense to average assets | 3.7775% | 1,400 |
| Loan and lease loss provision to assets | -0.0539% | 7,759 |
| Net operating income to assets | 1.3393% | 1,216 |
| Return on assets (ROA) | 1.3393% | 1,290 |
| Pretax return on assets | 1.9750% | 632 |
| Return on Equity (ROE) | 6.0687% | 3,772 |
| Retained earnings to average equity (ytd only) | 6.0687% | 2,296 |
| Net charge-offs to loans | 2.8416% | 575 |
| Credit loss provision to net charge-offs | -3.2085% | 6,591 |
| Earnings coverage of net charge-offs (x) | 1.1432% | 4,646 |
| Efficiency ratio | 66.2880% | 4,933 |
| Assets per employee ($millions) | 6.9865% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7633% | 65 |
| Loan loss allowance to noncurrent loans | 584.2678% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.6257% | 5,931 |
| Noncurrent loans to loans | 1.1576% | 5,025 |
| Net loans and leases to total assets | 48.7153% | 6,571 |
| Net loans and leases to deposits | 63.7530% | 6,059 |
| Net loans and leases to core deposits | 77.9124% | 4,966 |
| Total domestic deposits to total assets | 67.6425% | 7,442 |
| Equity capital to assets | 22.6151% | 178 |
| Core capital (leverage) ratio | 22.3667% | 166 |
| Tier 1 risk-based capital ratio | 32.8886% | 401 |
| Total risk-based capital ratio | 34.1870% | 395 |
| Memoranda: | ||
| Average total assets | $1,238,980,000 | 538 |
| Average earning assets | $1,129,991,670 | 533 |
| Average equity | $273,437,000 | 271 |
| Average total loans | $732,698,330 | 597 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7361% | 7,619 |
| Cost of funding earning assets | 0.3217% | 7,812 |
| Net interest margin | 3.4144% | 5,522 |
| Noninterest income to average assets | 2.2759% | 283 |
| Noninterest expense to average assets | 3.7071% | 1,502 |
| Loan and lease loss provision to assets | -0.5596% | 7,904 |
| Net operating income to assets | 1.4969% | 899 |
| Return on assets (ROA) | 1.4969% | 974 |
| Pretax return on assets | 2.2418% | 393 |
| Return on Equity (ROE) | 6.8665% | 3,409 |
| Retained earnings to average equity (ytd only) | 6.8665% | 2,188 |
| Net charge-offs to loans | 2.5744% | 630 |
| Credit loss provision to net charge-offs | -34.7583% | 5,987 |
| Earnings coverage of net charge-offs (x) | 1.0447% | 4,143 |
| Efficiency ratio | 68.7873% | 4,556 |
| Assets per employee ($millions) | 7.0413% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2321% | 90 |
| Loan loss allowance to noncurrent loans | 593.0509% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 5,851 |
| Noncurrent loans to loans | 1.0509% | 5,241 |
| Net loans and leases to total assets | 57.6083% | 5,510 |
| Net loans and leases to deposits | 74.9915% | 4,585 |
| Net loans and leases to core deposits | 91.3718% | 3,187 |
| Total domestic deposits to total assets | 67.9986% | 7,528 |
| Equity capital to assets | 22.0968% | 204 |
| Core capital (leverage) ratio | 22.1085% | 182 |
| Tier 1 risk-based capital ratio | 29.7400% | 539 |
| Total risk-based capital ratio | 31.0383% | 518 |
| Memoranda: | ||
| Average total assets | $1,243,656,500 | 553 |
| Average earning assets | $1,134,019,500 | 546 |
| Average equity | $271,115,000 | 275 |
| Average total loans | $777,813,500 | 582 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0179% | 7,688 |
| Cost of funding earning assets | 0.5707% | 7,789 |
| Net interest margin | 3.4473% | 5,182 |
| Noninterest income to average assets | 2.7691% | 244 |
| Noninterest expense to average assets | 3.7940% | 1,707 |
| Loan and lease loss provision to assets | 4.0448% | 327 |
| Net operating income to assets | -1.0278% | 6,590 |
| Return on assets (ROA) | -1.0278% | 6,594 |
| Pretax return on assets | -1.8917% | 6,897 |
| Return on Equity (ROE) | -4.8302% | 6,194 |
| Retained earnings to average equity (ytd only) | -4.8302% | 5,997 |
| Net charge-offs to loans | 3.2935% | 613 |
| Credit loss provision to net charge-offs | 184.9394% | 2,206 |
| Earnings coverage of net charge-offs (x) | 0.9845% | 5,128 |
| Efficiency ratio | 63.7957% | 5,815 |
| Assets per employee ($millions) | 6.9723% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8235% | 64 |
| Loan loss allowance to noncurrent loans | 734.9607% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 5,983 |
| Noncurrent loans to loans | 0.9284% | 5,458 |
| Net loans and leases to total assets | 59.2976% | 5,448 |
| Net loans and leases to deposits | 76.5800% | 4,646 |
| Net loans and leases to core deposits | 102.9175% | 3,699 |
| Total domestic deposits to total assets | 65.7094% | 7,652 |
| Equity capital to assets | 21.5050% | 235 |
| Core capital (leverage) ratio | 21.6234% | 218 |
| Tier 1 risk-based capital ratio | 27.8900% | 655 |
| Total risk-based capital ratio | 29.1943% | 630 |
| Memoranda: | ||
| Average total assets | $1,285,414,000 | 526 |
| Average earning assets | $1,184,961,200 | 514 |
| Average equity | $273,509,200 | 271 |
| Average total loans | $853,594,000 | 548 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1218% | 7,766 |
| Cost of funding earning assets | 0.6421% | 7,862 |
| Net interest margin | 3.4797% | 4,952 |
| Noninterest income to average assets | 2.7080% | 244 |
| Noninterest expense to average assets | 3.7018% | 1,816 |
| Loan and lease loss provision to assets | 4.4308% | 231 |
| Net operating income to assets | -1.1657% | 6,941 |
| Return on assets (ROA) | -1.1657% | 6,944 |
| Pretax return on assets | -2.2020% | 7,253 |
| Return on Equity (ROE) | -5.4926% | 6,501 |
| Retained earnings to average equity (ytd only) | -5.4926% | 6,313 |
| Net charge-offs to loans | 3.5203% | 423 |
| Credit loss provision to net charge-offs | 187.6532% | 2,423 |
| Earnings coverage of net charge-offs (x) | 0.9440% | 5,111 |
| Efficiency ratio | 62.4184% | 6,033 |
| Assets per employee ($millions) | 6.9253% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1174% | 81 |
| Loan loss allowance to noncurrent loans | 668.0138% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 5,927 |
| Noncurrent loans to loans | 0.9158% | 5,461 |
| Net loans and leases to total assets | 62.4142% | 5,174 |
| Net loans and leases to deposits | 80.9709% | 4,203 |
| Net loans and leases to core deposits | 104.5207% | 3,869 |
| Total domestic deposits to total assets | 68.4703% | 7,537 |
| Equity capital to assets | 21.7516% | 257 |
| Core capital (leverage) ratio | 20.5122% | 283 |
| Tier 1 risk-based capital ratio | 27.0096% | 749 |
| Total risk-based capital ratio | 28.3064% | 726 |
| Memoranda: | ||
| Average total assets | $1,294,758,000 | 536 |
| Average earning assets | $1,199,126,750 | 521 |
| Average equity | $274,789,000 | 278 |
| Average total loans | $868,429,500 | 560 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1236% | 7,863 |
| Cost of funding earning assets | 0.7293% | 7,899 |
| Net interest margin | 3.3943% | 5,191 |
| Noninterest income to average assets | 2.6310% | 248 |
| Noninterest expense to average assets | 3.7171% | 1,799 |
| Loan and lease loss provision to assets | 4.0838% | 301 |
| Net operating income to assets | -0.9483% | 6,933 |
| Return on assets (ROA) | -0.9483% | 6,937 |
| Pretax return on assets | -2.0219% | 7,293 |
| Return on Equity (ROE) | -4.5033% | 6,548 |
| Retained earnings to average equity (ytd only) | -4.5033% | 6,220 |
| Net charge-offs to loans | 3.5136% | 444 |
| Credit loss provision to net charge-offs | 172.8087% | 2,661 |
| Earnings coverage of net charge-offs (x) | 0.8725% | 4,878 |
| Efficiency ratio | 64.3202% | 5,846 |
| Assets per employee ($millions) | 7.2509% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8043% | 142 |
| Loan loss allowance to noncurrent loans | 394.0720% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.7958% | 5,404 |
| Noncurrent loans to loans | 1.2192% | 4,771 |
| Net loans and leases to total assets | 62.1413% | 5,338 |
| Net loans and leases to deposits | 79.9130% | 4,561 |
| Net loans and leases to core deposits | 108.2132% | 3,585 |
| Total domestic deposits to total assets | 65.6409% | 7,759 |
| Equity capital to assets | 20.6797% | 344 |
| Core capital (leverage) ratio | 20.7092% | 327 |
| Tier 1 risk-based capital ratio | 26.4104% | 823 |
| Total risk-based capital ratio | 27.6943% | 799 |
| Memoranda: | ||
| Average total assets | $1,313,133,670 | 539 |
| Average earning assets | $1,217,862,330 | 525 |
| Average equity | $276,505,670 | 281 |
| Average total loans | $883,199,000 | 567 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 7,883 |
| Cost of funding earning assets | 0.8470% | 7,870 |
| Net interest margin | 3.3948% | 5,160 |
| Noninterest income to average assets | 2.6399% | 230 |
| Noninterest expense to average assets | 3.4986% | 2,101 |
| Loan and lease loss provision to assets | 5.1295% | 155 |
| Net operating income to assets | -1.7991% | 7,600 |
| Return on assets (ROA) | -1.7991% | 7,603 |
| Pretax return on assets | -2.8436% | 7,726 |
| Return on Equity (ROE) | -8.4667% | 7,268 |
| Retained earnings to average equity (ytd only) | -8.4667% | 6,959 |
| Net charge-offs to loans | 2.9314% | 436 |
| Credit loss provision to net charge-offs | 256.3275% | 1,837 |
| Earnings coverage of net charge-offs (x) | 1.1423% | 4,181 |
| Efficiency ratio | 60.4817% | 6,325 |
| Assets per employee ($millions) | 7.0005% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6652% | 134 |
| Loan loss allowance to noncurrent loans | 331.9928% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.9530% | 4,813 |
| Noncurrent loans to loans | 1.4052% | 4,208 |
| Net loans and leases to total assets | 64.6562% | 4,869 |
| Net loans and leases to deposits | 84.8057% | 3,852 |
| Net loans and leases to core deposits | 112.3895% | 3,180 |
| Total domestic deposits to total assets | 65.2581% | 7,775 |
| Equity capital to assets | 21.4269% | 338 |
| Core capital (leverage) ratio | 21.2735% | 339 |
| Tier 1 risk-based capital ratio | 26.4054% | 853 |
| Total risk-based capital ratio | 27.6877% | 836 |
| Memoranda: | ||
| Average total assets | $1,306,242,500 | 544 |
| Average earning assets | $1,209,981,500 | 532 |
| Average equity | $277,557,500 | 280 |
| Average total loans | $891,710,000 | 565 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6116% | 7,026 |
| Cost of funding earning assets | 1.4853% | 7,631 |
| Net interest margin | 4.1264% | 2,595 |
| Noninterest income to average assets | 3.3621% | 171 |
| Noninterest expense to average assets | 4.4066% | 953 |
| Loan and lease loss provision to assets | 2.1220% | 546 |
| Net operating income to assets | 0.5167% | 4,658 |
| Return on assets (ROA) | 0.5166% | 4,511 |
| Pretax return on assets | 0.6612% | 4,514 |
| Return on Equity (ROE) | 2.4162% | 5,453 |
| Retained earnings to average equity (ytd only) | 2.4162% | 3,695 |
| Net charge-offs to loans | 2.3543% | 438 |
| Credit loss provision to net charge-offs | 140.4561% | 3,781 |
| Earnings coverage of net charge-offs (x) | 1.8423% | 5,150 |
| Efficiency ratio | 61.2884% | 6,109 |
| Assets per employee ($millions) | 7.1967% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3148% | 333 |
| Loan loss allowance to noncurrent loans | 339.4581% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 5,207 |
| Noncurrent loans to loans | 0.9765% | 4,643 |
| Net loans and leases to total assets | 66.4165% | 4,769 |
| Net loans and leases to deposits | 86.6349% | 4,015 |
| Net loans and leases to core deposits | 113.4013% | 3,406 |
| Total domestic deposits to total assets | 64.8048% | 7,735 |
| Equity capital to assets | 21.0769% | 396 |
| Core capital (leverage) ratio | 20.4762% | 407 |
| Tier 1 risk-based capital ratio | 24.7601% | 1,006 |
| Total risk-based capital ratio | 26.0280% | 983 |
| Memoranda: | ||
| Average total assets | $1,309,030,000 | 518 |
| Average earning assets | $1,214,340,800 | 511 |
| Average equity | $279,862,400 | 279 |
| Average total loans | $840,023,400 | 574 |