Home > California United Bank > Performance and Condition Ratios
California United Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0040% | 3,343 |
| Cost of funding earning assets | 0.1296% | 5,430 |
| Net interest margin | 3.8744% | 2,125 |
| Noninterest income to average assets | 0.4539% | 3,315 |
| Noninterest expense to average assets | 2.1190% | 4,691 |
| Loan and lease loss provision to assets | 0.1401% | 1,518 |
| Net operating income to assets | 1.1082% | 2,051 |
| Return on assets (ROA) | 1.1121% | 2,093 |
| Pretax return on assets | 1.7642% | 970 |
| Return on Equity (ROE) | 9.6370% | 2,288 |
| Retained earnings to average equity (ytd only) | 9.6370% | 668 |
| Net charge-offs to loans | 0.2293% | 944 |
| Credit loss provision to net charge-offs | 89.9833% | 2,463 |
| Earnings coverage of net charge-offs (x) | 12.1945% | 2,442 |
| Efficiency ratio | 51.8293% | 5,114 |
| Assets per employee ($millions) | 11.9738% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 4,520 |
| Loan loss allowance to noncurrent loans | 460.4116% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 4,581 |
| Noncurrent loans to loans | 0.1978% | 4,288 |
| Net loans and leases to total assets | 66.6975% | 3,016 |
| Net loans and leases to deposits | 76.9972% | 3,270 |
| Net loans and leases to core deposits | 77.4906% | 3,684 |
| Total domestic deposits to total assets | 86.6232% | 2,035 |
| Equity capital to assets | 11.8884% | 2,044 |
| Core capital (leverage) ratio | 9.9912% | 3,576 |
| Tier 1 risk-based capital ratio | 11.1285% | 5,174 |
| Total risk-based capital ratio | 11.8608% | 5,342 |
| Memoranda: | ||
| Average total assets | $3,069,924,500 | 304 |
| Average earning assets | $2,823,413,500 | 298 |
| Average equity | $354,279,000 | 290 |
| Average total loans | $2,083,764,250 | 306 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9140% | 3,509 |
| Cost of funding earning assets | 0.1242% | 5,484 |
| Net interest margin | 3.7898% | 2,321 |
| Noninterest income to average assets | 0.5138% | 2,939 |
| Noninterest expense to average assets | 2.1309% | 4,716 |
| Loan and lease loss provision to assets | 0.0458% | 3,076 |
| Net operating income to assets | 1.1894% | 1,632 |
| Return on assets (ROA) | 1.1954% | 1,644 |
| Pretax return on assets | 1.8333% | 776 |
| Return on Equity (ROE) | 10.4648% | 1,851 |
| Retained earnings to average equity (ytd only) | 10.4648% | 511 |
| Net charge-offs to loans | -0.0241% | 4,845 |
| Credit loss provision to net charge-offs | -279.2829% | 4,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3324% | 5,154 |
| Assets per employee ($millions) | 10.8520% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 4,443 |
| Loan loss allowance to noncurrent loans | 2,799.7245% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 5,177 |
| Noncurrent loans to loans | 0.0337% | 5,023 |
| Net loans and leases to total assets | 70.1380% | 2,507 |
| Net loans and leases to deposits | 80.5623% | 2,854 |
| Net loans and leases to core deposits | 81.4876% | 3,295 |
| Total domestic deposits to total assets | 87.0605% | 1,921 |
| Equity capital to assets | 11.8730% | 2,023 |
| Core capital (leverage) ratio | 9.8640% | 3,699 |
| Tier 1 risk-based capital ratio | 10.6422% | 5,405 |
| Total risk-based capital ratio | 11.4087% | 5,529 |
| Memoranda: | ||
| Average total assets | $3,059,491,330 | 308 |
| Average earning assets | $2,815,059,330 | 298 |
| Average equity | $349,476,330 | 295 |
| Average total loans | $2,082,534,330 | 311 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8708% | 3,504 |
| Cost of funding earning assets | 0.1218% | 5,546 |
| Net interest margin | 3.7490% | 2,317 |
| Noninterest income to average assets | 0.3230% | 4,237 |
| Noninterest expense to average assets | 2.1194% | 4,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0437% | 2,101 |
| Return on assets (ROA) | 1.0554% | 2,096 |
| Pretax return on assets | 1.6783% | 1,052 |
| Return on Equity (ROE) | 9.4232% | 2,215 |
| Retained earnings to average equity (ytd only) | 9.4232% | 939 |
| Net charge-offs to loans | -0.0451% | 5,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0970% | 5,032 |
| Assets per employee ($millions) | 10.6944% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 4,506 |
| Loan loss allowance to noncurrent loans | 2,579.6053% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 5,230 |
| Noncurrent loans to loans | 0.0371% | 5,052 |
| Net loans and leases to total assets | 64.4503% | 3,207 |
| Net loans and leases to deposits | 73.3211% | 3,468 |
| Net loans and leases to core deposits | 74.0904% | 3,822 |
| Total domestic deposits to total assets | 87.9014% | 1,769 |
| Equity capital to assets | 11.0793% | 2,556 |
| Core capital (leverage) ratio | 9.2971% | 4,348 |
| Tier 1 risk-based capital ratio | 10.5337% | 5,528 |
| Total risk-based capital ratio | 11.2954% | 5,649 |
| Memoranda: | ||
| Average total assets | $3,069,960,500 | 308 |
| Average earning assets | $2,830,439,000 | 297 |
| Average equity | $343,830,500 | 297 |
| Average total loans | $2,048,049,000 | 313 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 3,324 |
| Cost of funding earning assets | 0.1030% | 5,690 |
| Net interest margin | 3.8630% | 2,088 |
| Noninterest income to average assets | 0.3763% | 4,056 |
| Noninterest expense to average assets | 2.2357% | 4,687 |
| Loan and lease loss provision to assets | 0.1162% | 2,130 |
| Net operating income to assets | 0.9933% | 2,377 |
| Return on assets (ROA) | 0.9991% | 2,462 |
| Pretax return on assets | 1.5843% | 1,336 |
| Return on Equity (ROE) | 8.6107% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.6107% | 663 |
| Net charge-offs to loans | -0.0221% | 5,157 |
| Credit loss provision to net charge-offs | -762.6168% | 5,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7707% | 5,085 |
| Assets per employee ($millions) | 10.4020% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 4,604 |
| Loan loss allowance to noncurrent loans | 1,726.7380% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 5,215 |
| Noncurrent loans to loans | 0.0547% | 5,027 |
| Net loans and leases to total assets | 67.7858% | 2,814 |
| Net loans and leases to deposits | 77.5936% | 3,152 |
| Net loans and leases to core deposits | 78.3984% | 3,544 |
| Total domestic deposits to total assets | 87.3600% | 1,950 |
| Equity capital to assets | 11.3263% | 2,310 |
| Core capital (leverage) ratio | 9.3549% | 4,279 |
| Tier 1 risk-based capital ratio | 10.2782% | 5,666 |
| Total risk-based capital ratio | 11.0350% | 5,759 |
| Memoranda: | ||
| Average total assets | $2,808,023,600 | 313 |
| Average earning assets | $2,581,055,400 | 309 |
| Average equity | $325,828,800 | 303 |
| Average total loans | $1,935,271,200 | 312 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9775% | 3,306 |
| Cost of funding earning assets | 0.1034% | 5,753 |
| Net interest margin | 3.8740% | 2,071 |
| Noninterest income to average assets | 0.3910% | 3,985 |
| Noninterest expense to average assets | 2.2468% | 4,655 |
| Loan and lease loss provision to assets | 0.1150% | 2,010 |
| Net operating income to assets | 0.9968% | 2,449 |
| Return on assets (ROA) | 1.0012% | 2,566 |
| Pretax return on assets | 1.5941% | 1,395 |
| Return on Equity (ROE) | 8.5727% | 2,720 |
| Retained earnings to average equity (ytd only) | 8.5727% | 951 |
| Net charge-offs to loans | -0.0215% | 5,030 |
| Credit loss provision to net charge-offs | -775.8958% | 5,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7195% | 5,089 |
| Assets per employee ($millions) | 10.1534% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 4,750 |
| Loan loss allowance to noncurrent loans | 1,502.1259% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 5,306 |
| Noncurrent loans to loans | 0.0619% | 5,106 |
| Net loans and leases to total assets | 67.6081% | 2,854 |
| Net loans and leases to deposits | 77.8167% | 3,204 |
| Net loans and leases to core deposits | 78.9444% | 3,560 |
| Total domestic deposits to total assets | 86.8812% | 1,943 |
| Equity capital to assets | 11.5590% | 2,465 |
| Core capital (leverage) ratio | 9.4639% | 4,229 |
| Tier 1 risk-based capital ratio | 10.4977% | 5,621 |
| Total risk-based capital ratio | 11.2513% | 5,751 |
| Memoranda: | ||
| Average total assets | $2,761,087,500 | 314 |
| Average earning assets | $2,535,890,500 | 311 |
| Average equity | $322,458,250 | 305 |
| Average total loans | $1,906,569,500 | 310 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 3,307 |
| Cost of funding earning assets | 0.1030% | 5,840 |
| Net interest margin | 3.8783% | 2,052 |
| Noninterest income to average assets | 0.3980% | 3,880 |
| Noninterest expense to average assets | 2.2032% | 4,835 |
| Loan and lease loss provision to assets | 0.1240% | 1,841 |
| Net operating income to assets | 0.9757% | 2,494 |
| Return on assets (ROA) | 0.9757% | 2,641 |
| Pretax return on assets | 1.6282% | 1,284 |
| Return on Equity (ROE) | 8.3241% | 2,822 |
| Retained earnings to average equity (ytd only) | 8.3241% | 1,063 |
| Net charge-offs to loans | -0.1177% | 5,673 |
| Credit loss provision to net charge-offs | -151.9387% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5057% | 5,271 |
| Assets per employee ($millions) | 9.9155% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 4,767 |
| Loan loss allowance to noncurrent loans | 716.9577% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 5,146 |
| Noncurrent loans to loans | 0.1321% | 4,909 |
| Net loans and leases to total assets | 69.6037% | 2,533 |
| Net loans and leases to deposits | 80.3655% | 2,886 |
| Net loans and leases to core deposits | 82.0255% | 3,265 |
| Total domestic deposits to total assets | 86.6089% | 2,109 |
| Equity capital to assets | 11.7866% | 2,280 |
| Core capital (leverage) ratio | 9.5932% | 4,078 |
| Tier 1 risk-based capital ratio | 10.4099% | 5,714 |
| Total risk-based capital ratio | 11.1816% | 5,824 |
| Memoranda: | ||
| Average total assets | $2,716,874,670 | 319 |
| Average earning assets | $2,492,102,330 | 313 |
| Average equity | $318,448,670 | 304 |
| Average total loans | $1,883,838,000 | 311 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 3,344 |
| Cost of funding earning assets | 0.1062% | 5,889 |
| Net interest margin | 3.8606% | 2,066 |
| Noninterest income to average assets | 0.3949% | 3,870 |
| Noninterest expense to average assets | 2.2396% | 4,805 |
| Loan and lease loss provision to assets | 0.0926% | 2,139 |
| Net operating income to assets | 0.9566% | 2,480 |
| Return on assets (ROA) | 0.9566% | 2,600 |
| Pretax return on assets | 1.5971% | 1,303 |
| Return on Equity (ROE) | 8.1846% | 2,812 |
| Retained earnings to average equity (ytd only) | 8.1846% | 1,383 |
| Net charge-offs to loans | -0.0521% | 5,348 |
| Credit loss provision to net charge-offs | -258.0913% | 4,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7812% | 5,211 |
| Assets per employee ($millions) | 10.0352% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 5,107 |
| Loan loss allowance to noncurrent loans | 1,378.7500% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 5,450 |
| Noncurrent loans to loans | 0.0642% | 5,223 |
| Net loans and leases to total assets | 67.5926% | 2,713 |
| Net loans and leases to deposits | 77.6973% | 3,031 |
| Net loans and leases to core deposits | 79.4277% | 3,373 |
| Total domestic deposits to total assets | 86.9948% | 2,213 |
| Equity capital to assets | 11.6154% | 2,328 |
| Core capital (leverage) ratio | 9.4588% | 4,260 |
| Tier 1 risk-based capital ratio | 10.4924% | 5,753 |
| Total risk-based capital ratio | 11.2146% | 5,881 |
| Memoranda: | ||
| Average total assets | $2,687,144,000 | 316 |
| Average earning assets | $2,460,037,500 | 314 |
| Average equity | $314,054,500 | 308 |
| Average total loans | $1,850,302,500 | 316 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0593% | 3,077 |
| Cost of funding earning assets | 0.1015% | 5,956 |
| Net interest margin | 3.9578% | 1,852 |
| Noninterest income to average assets | 0.4099% | 3,956 |
| Noninterest expense to average assets | 2.3890% | 4,538 |
| Loan and lease loss provision to assets | 0.2052% | 1,040 |
| Net operating income to assets | 0.8780% | 2,985 |
| Return on assets (ROA) | 0.8809% | 3,061 |
| Pretax return on assets | 1.4194% | 1,824 |
| Return on Equity (ROE) | 7.3627% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.3627% | 1,142 |
| Net charge-offs to loans | 0.1168% | 2,204 |
| Credit loss provision to net charge-offs | 252.9119% | 1,142 |
| Earnings coverage of net charge-offs (x) | 19.9681% | 1,910 |
| Efficiency ratio | 57.8981% | 5,157 |
| Assets per employee ($millions) | 9.9422% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 5,246 |
| Loan loss allowance to noncurrent loans | 764.6026% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 5,260 |
| Noncurrent loans to loans | 0.1119% | 5,053 |
| Net loans and leases to total assets | 68.9498% | 2,554 |
| Net loans and leases to deposits | 79.2048% | 2,918 |
| Net loans and leases to core deposits | 81.2052% | 3,227 |
| Total domestic deposits to total assets | 87.0525% | 2,102 |
| Equity capital to assets | 11.7621% | 2,145 |
| Core capital (leverage) ratio | 9.3403% | 4,409 |
| Tier 1 risk-based capital ratio | 10.4725% | 5,786 |
| Total risk-based capital ratio | 11.1717% | 5,925 |
| Memoranda: | ||
| Average total assets | $2,476,173,000 | 323 |
| Average earning assets | $2,251,730,000 | 322 |
| Average equity | $296,262,400 | 307 |
| Average total loans | $1,720,470,200 | 315 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0584% | 3,107 |
| Cost of funding earning assets | 0.1019% | 6,049 |
| Net interest margin | 3.9565% | 1,853 |
| Noninterest income to average assets | 0.4074% | 4,033 |
| Noninterest expense to average assets | 2.4213% | 4,455 |
| Loan and lease loss provision to assets | 0.1549% | 1,397 |
| Net operating income to assets | 0.8825% | 3,026 |
| Return on assets (ROA) | 0.8825% | 3,110 |
| Pretax return on assets | 1.4264% | 1,911 |
| Return on Equity (ROE) | 7.3427% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.3427% | 1,526 |
| Net charge-offs to loans | 0.0375% | 3,148 |
| Credit loss provision to net charge-offs | 594.7479% | 571 |
| Earnings coverage of net charge-offs (x) | 60.7102% | 916 |
| Efficiency ratio | 58.7674% | 5,036 |
| Assets per employee ($millions) | 9.7926% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8453% | 5,390 |
| Loan loss allowance to noncurrent loans | 347.6998% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 4,900 |
| Noncurrent loans to loans | 0.2431% | 4,706 |
| Net loans and leases to total assets | 67.3924% | 2,791 |
| Net loans and leases to deposits | 77.4745% | 3,151 |
| Net loans and leases to core deposits | 79.4851% | 3,464 |
| Total domestic deposits to total assets | 86.9865% | 2,047 |
| Equity capital to assets | 11.6309% | 2,392 |
| Core capital (leverage) ratio | 9.4875% | 4,319 |
| Tier 1 risk-based capital ratio | 10.4293% | 5,904 |
| Total risk-based capital ratio | 11.1140% | 6,043 |
| Memoranda: | ||
| Average total assets | $2,436,548,750 | 331 |
| Average earning assets | $2,214,066,750 | 331 |
| Average equity | $292,855,000 | 312 |
| Average total loans | $1,692,517,500 | 325 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0683% | 3,014 |
| Cost of funding earning assets | 0.1017% | 6,127 |
| Net interest margin | 3.9666% | 1,752 |
| Noninterest income to average assets | 0.4202% | 3,919 |
| Noninterest expense to average assets | 2.4811% | 4,297 |
| Loan and lease loss provision to assets | 0.1786% | 1,142 |
| Net operating income to assets | 0.8177% | 3,296 |
| Return on assets (ROA) | 0.8177% | 3,400 |
| Pretax return on assets | 1.3560% | 2,161 |
| Return on Equity (ROE) | 6.7237% | 3,773 |
| Retained earnings to average equity (ytd only) | 6.7237% | 1,830 |
| Net charge-offs to loans | 0.0734% | 2,342 |
| Credit loss provision to net charge-offs | 347.3856% | 835 |
| Earnings coverage of net charge-offs (x) | 29.8464% | 1,367 |
| Efficiency ratio | 60.0205% | 4,976 |
| Assets per employee ($millions) | 9.3936% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 5,538 |
| Loan loss allowance to noncurrent loans | 283.5006% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 4,934 |
| Noncurrent loans to loans | 0.2910% | 4,641 |
| Net loans and leases to total assets | 68.7279% | 2,530 |
| Net loans and leases to deposits | 79.2428% | 2,877 |
| Net loans and leases to core deposits | 81.2625% | 3,255 |
| Total domestic deposits to total assets | 86.7307% | 2,305 |
| Equity capital to assets | 11.9453% | 2,070 |
| Core capital (leverage) ratio | 9.7428% | 3,947 |
| Tier 1 risk-based capital ratio | 10.3141% | 5,989 |
| Total risk-based capital ratio | 10.9756% | 6,123 |
| Memoranda: | ||
| Average total assets | $2,380,455,330 | 341 |
| Average earning assets | $2,157,828,000 | 337 |
| Average equity | $289,485,330 | 317 |
| Average total loans | $1,666,549,330 | 329 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 3,063 |
| Cost of funding earning assets | 0.1016% | 6,202 |
| Net interest margin | 3.9455% | 1,728 |
| Noninterest income to average assets | 0.4123% | 3,902 |
| Noninterest expense to average assets | 2.5304% | 4,172 |
| Loan and lease loss provision to assets | 0.2471% | 674 |
| Net operating income to assets | 0.7404% | 3,593 |
| Return on assets (ROA) | 0.7404% | 3,720 |
| Pretax return on assets | 1.2196% | 2,589 |
| Return on Equity (ROE) | 6.0320% | 4,018 |
| Retained earnings to average equity (ytd only) | 6.0320% | 2,484 |
| Net charge-offs to loans | 0.1961% | 1,150 |
| Credit loss provision to net charge-offs | 179.0323% | 1,133 |
| Earnings coverage of net charge-offs (x) | 10.6253% | 1,919 |
| Efficiency ratio | 61.4963% | 4,880 |
| Assets per employee ($millions) | 9.5120% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7960% | 5,704 |
| Loan loss allowance to noncurrent loans | 266.2178% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 4,973 |
| Noncurrent loans to loans | 0.2990% | 4,720 |
| Net loans and leases to total assets | 68.6065% | 2,346 |
| Net loans and leases to deposits | 79.0461% | 2,677 |
| Net loans and leases to core deposits | 81.2689% | 3,025 |
| Total domestic deposits to total assets | 86.7930% | 2,498 |
| Equity capital to assets | 12.0299% | 2,005 |
| Core capital (leverage) ratio | 9.8689% | 3,793 |
| Tier 1 risk-based capital ratio | 10.6656% | 5,951 |
| Total risk-based capital ratio | 11.3242% | 6,101 |
| Memoranda: | ||
| Average total assets | $2,335,425,500 | 344 |
| Average earning assets | $2,122,007,000 | 337 |
| Average equity | $286,673,000 | 318 |
| Average total loans | $1,643,795,500 | 332 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7769% | 4,556 |
| Cost of funding earning assets | 0.1022% | 6,318 |
| Net interest margin | 3.6748% | 3,105 |
| Noninterest income to average assets | 0.4817% | 3,641 |
| Noninterest expense to average assets | 2.6708% | 3,975 |
| Loan and lease loss provision to assets | 0.1474% | 1,787 |
| Net operating income to assets | 0.6213% | 4,267 |
| Return on assets (ROA) | 0.6194% | 4,385 |
| Pretax return on assets | 1.0410% | 3,345 |
| Return on Equity (ROE) | 5.6638% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.6638% | 2,157 |
| Net charge-offs to loans | 0.0304% | 4,217 |
| Credit loss provision to net charge-offs | 704.5181% | 376 |
| Earnings coverage of net charge-offs (x) | 56.9337% | 828 |
| Efficiency ratio | 68.5146% | 3,802 |
| Assets per employee ($millions) | 9.0573% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7768% | 5,835 |
| Loan loss allowance to noncurrent loans | 322.5889% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 5,181 |
| Noncurrent loans to loans | 0.2408% | 4,968 |
| Net loans and leases to total assets | 71.1339% | 2,055 |
| Net loans and leases to deposits | 82.5026% | 2,406 |
| Net loans and leases to core deposits | 85.2214% | 2,760 |
| Total domestic deposits to total assets | 86.2201% | 2,711 |
| Equity capital to assets | 12.5355% | 1,626 |
| Core capital (leverage) ratio | 12.4403% | 1,381 |
| Tier 1 risk-based capital ratio | 10.5477% | 6,079 |
| Total risk-based capital ratio | 11.2046% | 6,224 |
| Memoranda: | ||
| Average total assets | $1,586,566,800 | 441 |
| Average earning assets | $1,459,491,000 | 432 |
| Average equity | $173,505,800 | 456 |
| Average total loans | $1,090,843,600 | 426 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9490% | 3,972 |
| Cost of funding earning assets | 0.1091% | 6,382 |
| Net interest margin | 3.8399% | 2,478 |
| Noninterest income to average assets | 0.5239% | 3,374 |
| Noninterest expense to average assets | 2.6889% | 3,859 |
| Loan and lease loss provision to assets | 0.0581% | 3,206 |
| Net operating income to assets | 0.7674% | 3,581 |
| Return on assets (ROA) | 0.7674% | 3,683 |
| Pretax return on assets | 1.3248% | 2,289 |
| Return on Equity (ROE) | 7.4532% | 3,469 |
| Retained earnings to average equity (ytd only) | 7.4532% | 1,592 |
| Net charge-offs to loans | -0.0177% | 5,581 |
| Credit loss provision to net charge-offs | -486.6142% | 5,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5676% | 4,284 |
| Assets per employee ($millions) | 8.1503% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 4,438 |
| Loan loss allowance to noncurrent loans | 260.6938% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 5,060 |
| Noncurrent loans to loans | 0.4454% | 4,563 |
| Net loans and leases to total assets | 66.5868% | 2,757 |
| Net loans and leases to deposits | 76.2675% | 3,152 |
| Net loans and leases to core deposits | 79.9083% | 3,320 |
| Total domestic deposits to total assets | 87.3069% | 2,150 |
| Equity capital to assets | 10.4100% | 3,669 |
| Core capital (leverage) ratio | 9.4233% | 4,482 |
| Tier 1 risk-based capital ratio | 11.0629% | 5,965 |
| Total risk-based capital ratio | 12.0179% | 6,055 |
| Memoranda: | ||
| Average total assets | $1,417,126,750 | 492 |
| Average earning assets | $1,309,405,000 | 481 |
| Average equity | $145,921,250 | 505 |
| Average total loans | $957,726,250 | 468 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9441% | 3,955 |
| Cost of funding earning assets | 0.1095% | 6,448 |
| Net interest margin | 3.8346% | 2,434 |
| Noninterest income to average assets | 0.5076% | 3,424 |
| Noninterest expense to average assets | 2.6625% | 4,009 |
| Loan and lease loss provision to assets | 0.0829% | 2,648 |
| Net operating income to assets | 0.7770% | 3,442 |
| Return on assets (ROA) | 0.7770% | 3,541 |
| Pretax return on assets | 1.2985% | 2,255 |
| Return on Equity (ROE) | 7.5745% | 3,335 |
| Retained earnings to average equity (ytd only) | 7.5745% | 1,486 |
| Net charge-offs to loans | -0.0206% | 5,559 |
| Credit loss provision to net charge-offs | -594.8980% | 5,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3534% | 4,464 |
| Assets per employee ($millions) | 8.0745% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 4,648 |
| Loan loss allowance to noncurrent loans | 160.5578% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.5071% | 4,488 |
| Noncurrent loans to loans | 0.7183% | 3,908 |
| Net loans and leases to total assets | 67.6674% | 2,469 |
| Net loans and leases to deposits | 77.3548% | 2,884 |
| Net loans and leases to core deposits | 80.6075% | 3,144 |
| Total domestic deposits to total assets | 87.4767% | 2,206 |
| Equity capital to assets | 10.3365% | 3,639 |
| Core capital (leverage) ratio | 9.6573% | 4,105 |
| Tier 1 risk-based capital ratio | 10.9634% | 6,064 |
| Total risk-based capital ratio | 11.9286% | 6,133 |
| Memoranda: | ||
| Average total assets | $1,405,920,330 | 488 |
| Average earning assets | $1,296,576,670 | 485 |
| Average equity | $144,221,000 | 507 |
| Average total loans | $951,183,670 | 468 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9151% | 4,020 |
| Cost of funding earning assets | 0.1105% | 6,530 |
| Net interest margin | 3.8045% | 2,456 |
| Noninterest income to average assets | 0.5127% | 3,311 |
| Noninterest expense to average assets | 2.6910% | 3,959 |
| Loan and lease loss provision to assets | 0.0215% | 3,548 |
| Net operating income to assets | 0.8050% | 3,129 |
| Return on assets (ROA) | 0.8050% | 3,207 |
| Pretax return on assets | 1.3154% | 2,043 |
| Return on Equity (ROE) | 7.8783% | 2,986 |
| Retained earnings to average equity (ytd only) | 7.8783% | 1,642 |
| Net charge-offs to loans | -0.0619% | 5,907 |
| Credit loss provision to net charge-offs | -51.7241% | 4,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3177% | 4,484 |
| Assets per employee ($millions) | 7.6332% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 4,888 |
| Loan loss allowance to noncurrent loans | 134.8156% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 4,406 |
| Noncurrent loans to loans | 0.8506% | 3,766 |
| Net loans and leases to total assets | 67.5255% | 2,296 |
| Net loans and leases to deposits | 77.1846% | 2,664 |
| Net loans and leases to core deposits | 80.8003% | 2,873 |
| Total domestic deposits to total assets | 87.4858% | 2,518 |
| Equity capital to assets | 10.4433% | 3,305 |
| Core capital (leverage) ratio | 9.4395% | 4,361 |
| Tier 1 risk-based capital ratio | 11.1393% | 6,103 |
| Total risk-based capital ratio | 12.1033% | 6,166 |
| Memoranda: | ||
| Average total assets | $1,394,284,500 | 490 |
| Average earning assets | $1,288,252,000 | 484 |
| Average equity | $142,467,000 | 514 |
| Average total loans | $937,585,000 | 468 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 3,288 |
| Cost of funding earning assets | 0.1326% | 6,601 |
| Net interest margin | 4.0829% | 1,698 |
| Noninterest income to average assets | 0.4949% | 3,794 |
| Noninterest expense to average assets | 2.8368% | 3,585 |
| Loan and lease loss provision to assets | 0.2182% | 1,671 |
| Net operating income to assets | 0.7842% | 3,373 |
| Return on assets (ROA) | 0.7866% | 3,465 |
| Pretax return on assets | 1.1981% | 2,591 |
| Return on Equity (ROE) | 7.6186% | 3,237 |
| Retained earnings to average equity (ytd only) | 7.6186% | 1,183 |
| Net charge-offs to loans | 0.1187% | 3,620 |
| Credit loss provision to net charge-offs | 271.1027% | 834 |
| Earnings coverage of net charge-offs (x) | 17.5542% | 1,707 |
| Efficiency ratio | 66.2004% | 4,523 |
| Assets per employee ($millions) | 7.9941% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 4,959 |
| Loan loss allowance to noncurrent loans | 113.3526% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6648% | 4,251 |
| Noncurrent loans to loans | 1.0043% | 3,503 |
| Net loans and leases to total assets | 65.4465% | 2,783 |
| Net loans and leases to deposits | 74.4523% | 3,197 |
| Net loans and leases to core deposits | 77.8374% | 3,386 |
| Total domestic deposits to total assets | 87.9038% | 2,233 |
| Equity capital to assets | 9.9966% | 3,776 |
| Core capital (leverage) ratio | 8.8977% | 5,144 |
| Tier 1 risk-based capital ratio | 10.9946% | 6,174 |
| Total risk-based capital ratio | 11.9580% | 6,250 |
| Memoranda: | ||
| Average total assets | $1,307,260,200 | 506 |
| Average earning assets | $1,202,113,600 | 498 |
| Average equity | $134,972,800 | 536 |
| Average total loans | $886,413,000 | 471 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2926% | 3,029 |
| Cost of funding earning assets | 0.1366% | 6,682 |
| Net interest margin | 4.1560% | 1,465 |
| Noninterest income to average assets | 0.4764% | 3,963 |
| Noninterest expense to average assets | 2.8751% | 3,392 |
| Loan and lease loss provision to assets | 0.1994% | 1,822 |
| Net operating income to assets | 0.7530% | 3,587 |
| Return on assets (ROA) | 0.7533% | 3,713 |
| Pretax return on assets | 1.2144% | 2,642 |
| Return on Equity (ROE) | 7.2328% | 3,528 |
| Retained earnings to average equity (ytd only) | 7.2328% | 1,777 |
| Net charge-offs to loans | 0.1041% | 3,494 |
| Credit loss provision to net charge-offs | 280.8199% | 906 |
| Earnings coverage of net charge-offs (x) | 19.9020% | 1,614 |
| Efficiency ratio | 66.4614% | 4,405 |
| Assets per employee ($millions) | 7.7249% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 5,298 |
| Loan loss allowance to noncurrent loans | 82.0165% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.1421% | 3,371 |
| Noncurrent loans to loans | 1.3490% | 3,165 |
| Net loans and leases to total assets | 66.7506% | 2,507 |
| Net loans and leases to deposits | 76.1555% | 2,943 |
| Net loans and leases to core deposits | 80.0167% | 3,130 |
| Total domestic deposits to total assets | 87.6503% | 2,327 |
| Equity capital to assets | 10.1878% | 3,658 |
| Core capital (leverage) ratio | 9.2684% | 4,728 |
| Tier 1 risk-based capital ratio | 10.9148% | 6,315 |
| Total risk-based capital ratio | 11.8458% | 6,394 |
| Memoranda: | ||
| Average total assets | $1,282,335,500 | 514 |
| Average earning assets | $1,176,209,500 | 509 |
| Average equity | $133,554,000 | 546 |
| Average total loans | $875,164,250 | 474 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3306% | 2,828 |
| Cost of funding earning assets | 0.1407% | 6,735 |
| Net interest margin | 4.1899% | 1,302 |
| Noninterest income to average assets | 0.4931% | 3,880 |
| Noninterest expense to average assets | 2.9066% | 3,307 |
| Loan and lease loss provision to assets | 0.2040% | 1,861 |
| Net operating income to assets | 0.7374% | 3,628 |
| Return on assets (ROA) | 0.7379% | 3,784 |
| Pretax return on assets | 1.2305% | 2,558 |
| Return on Equity (ROE) | 7.0303% | 3,581 |
| Retained earnings to average equity (ytd only) | 7.0303% | 1,883 |
| Net charge-offs to loans | 0.1569% | 2,846 |
| Credit loss provision to net charge-offs | 189.8230% | 1,258 |
| Earnings coverage of net charge-offs (x) | 13.3407% | 1,908 |
| Efficiency ratio | 66.3611% | 4,484 |
| Assets per employee ($millions) | 7.5074% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 5,560 |
| Loan loss allowance to noncurrent loans | 91.7260% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.0478% | 3,654 |
| Noncurrent loans to loans | 1.1626% | 3,616 |
| Net loans and leases to total assets | 68.4189% | 2,165 |
| Net loans and leases to deposits | 79.4467% | 2,410 |
| Net loans and leases to core deposits | 82.9635% | 2,697 |
| Total domestic deposits to total assets | 86.1192% | 3,302 |
| Equity capital to assets | 10.5442% | 3,242 |
| Core capital (leverage) ratio | 9.2672% | 4,598 |
| Tier 1 risk-based capital ratio | 10.9949% | 6,335 |
| Total risk-based capital ratio | 11.9081% | 6,431 |
| Memoranda: | ||
| Average total assets | $1,261,737,000 | 519 |
| Average earning assets | $1,158,550,000 | 514 |
| Average equity | $132,426,000 | 550 |
| Average total loans | $864,468,000 | 479 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1729% | 3,415 |
| Cost of funding earning assets | 0.1414% | 6,820 |
| Net interest margin | 4.0315% | 1,673 |
| Noninterest income to average assets | 0.4531% | 4,104 |
| Noninterest expense to average assets | 2.9313% | 3,225 |
| Loan and lease loss provision to assets | 0.0427% | 3,888 |
| Net operating income to assets | 0.7135% | 3,628 |
| Return on assets (ROA) | 0.7146% | 3,760 |
| Pretax return on assets | 1.1807% | 2,643 |
| Return on Equity (ROE) | 6.8243% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.8243% | 2,241 |
| Net charge-offs to loans | 0.0449% | 3,398 |
| Credit loss provision to net charge-offs | 139.5833% | 1,438 |
| Earnings coverage of net charge-offs (x) | 39.9167% | 792 |
| Efficiency ratio | 69.9424% | 3,988 |
| Assets per employee ($millions) | 7.3379% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 5,875 |
| Loan loss allowance to noncurrent loans | 86.1444% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.0597% | 3,815 |
| Noncurrent loans to loans | 1.1956% | 3,772 |
| Net loans and leases to total assets | 67.3109% | 2,138 |
| Net loans and leases to deposits | 77.8335% | 2,360 |
| Net loans and leases to core deposits | 81.8478% | 2,591 |
| Total domestic deposits to total assets | 86.4806% | 3,249 |
| Equity capital to assets | 10.4975% | 3,539 |
| Core capital (leverage) ratio | 9.1338% | 4,665 |
| Tier 1 risk-based capital ratio | 10.9008% | 6,450 |
| Total risk-based capital ratio | 11.7788% | 6,544 |
| Memoranda: | ||
| Average total assets | $1,254,479,500 | 526 |
| Average earning assets | $1,151,321,000 | 524 |
| Average equity | $131,354,000 | 561 |
| Average total loans | $855,397,500 | 487 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 5,472 |
| Cost of funding earning assets | 0.1544% | 6,907 |
| Net interest margin | 3.7844% | 3,294 |
| Noninterest income to average assets | 0.3753% | 4,792 |
| Noninterest expense to average assets | 3.3394% | 2,223 |
| Loan and lease loss provision to assets | 0.1738% | 3,447 |
| Net operating income to assets | 0.2114% | 5,755 |
| Return on assets (ROA) | 0.2017% | 5,958 |
| Pretax return on assets | 0.3790% | 5,629 |
| Return on Equity (ROE) | 2.0408% | 5,887 |
| Retained earnings to average equity (ytd only) | 2.0408% | 4,790 |
| Net charge-offs to loans | 0.0748% | 4,933 |
| Credit loss provision to net charge-offs | 384.3478% | 634 |
| Earnings coverage of net charge-offs (x) | 12.5630% | 1,914 |
| Efficiency ratio | 84.9126% | 1,523 |
| Assets per employee ($millions) | 7.4661% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 5,843 |
| Loan loss allowance to noncurrent loans | 85.3583% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.0767% | 3,870 |
| Noncurrent loans to loans | 1.2099% | 3,833 |
| Net loans and leases to total assets | 67.6596% | 2,249 |
| Net loans and leases to deposits | 78.1444% | 2,509 |
| Net loans and leases to core deposits | 82.0912% | 2,756 |
| Total domestic deposits to total assets | 86.5828% | 3,048 |
| Equity capital to assets | 10.4437% | 3,594 |
| Core capital (leverage) ratio | 8.5538% | 5,535 |
| Tier 1 risk-based capital ratio | 10.7182% | 6,465 |
| Total risk-based capital ratio | 11.6062% | 6,567 |
| Memoranda: | ||
| Average total assets | $1,017,423,000 | 655 |
| Average earning assets | $949,609,800 | 628 |
| Average equity | $100,547,400 | 706 |
| Average total loans | $615,013,800 | 674 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7040% | 6,215 |
| Cost of funding earning assets | 0.1429% | 7,051 |
| Net interest margin | 3.5611% | 4,391 |
| Noninterest income to average assets | 0.3323% | 5,145 |
| Noninterest expense to average assets | 3.4200% | 1,957 |
| Loan and lease loss provision to assets | 0.1251% | 3,985 |
| Net operating income to assets | 0.0380% | 6,226 |
| Return on assets (ROA) | 0.0300% | 6,374 |
| Pretax return on assets | 0.1149% | 6,251 |
| Return on Equity (ROE) | 0.3092% | 6,367 |
| Retained earnings to average equity (ytd only) | 0.3092% | 5,991 |
| Net charge-offs to loans | 0.1416% | 3,982 |
| Credit loss provision to net charge-offs | 152.7119% | 1,842 |
| Earnings coverage of net charge-offs (x) | 3.0813% | 3,792 |
| Efficiency ratio | 92.6146% | 854 |
| Assets per employee ($millions) | 7.5712% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 6,138 |
| Loan loss allowance to noncurrent loans | 76.6873% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 1.0512% | 4,194 |
| Noncurrent loans to loans | 1.2854% | 3,894 |
| Net loans and leases to total assets | 62.0142% | 3,374 |
| Net loans and leases to deposits | 71.4629% | 3,678 |
| Net loans and leases to core deposits | 75.0801% | 3,840 |
| Total domestic deposits to total assets | 86.7782% | 2,810 |
| Equity capital to assets | 10.1107% | 4,335 |
| Core capital (leverage) ratio | 9.2968% | 4,591 |
| Tier 1 risk-based capital ratio | 10.6364% | 6,619 |
| Total risk-based capital ratio | 11.4487% | 6,731 |
| Memoranda: | ||
| Average total assets | $960,067,750 | 692 |
| Average earning assets | $900,483,750 | 666 |
| Average equity | $93,130,000 | 761 |
| Average total loans | $555,664,000 | 753 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6124% | 6,470 |
| Cost of funding earning assets | 0.1172% | 7,160 |
| Net interest margin | 3.4952% | 4,686 |
| Noninterest income to average assets | 0.2800% | 5,569 |
| Noninterest expense to average assets | 3.0148% | 3,204 |
| Loan and lease loss provision to assets | 0.0885% | 4,468 |
| Net operating income to assets | 0.2491% | 5,768 |
| Return on assets (ROA) | 0.2402% | 5,980 |
| Pretax return on assets | 0.4619% | 5,543 |
| Return on Equity (ROE) | 2.5282% | 5,870 |
| Retained earnings to average equity (ytd only) | 2.5282% | 4,923 |
| Net charge-offs to loans | 0.2290% | 3,202 |
| Credit loss provision to net charge-offs | 69.5971% | 3,573 |
| Earnings coverage of net charge-offs (x) | 4.4377% | 3,083 |
| Efficiency ratio | 83.7824% | 1,657 |
| Assets per employee ($millions) | 7.5052% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 3,999 |
| Loan loss allowance to noncurrent loans | 127.4166% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.9761% | 4,420 |
| Noncurrent loans to loans | 1.1781% | 4,185 |
| Net loans and leases to total assets | 52.9567% | 4,967 |
| Net loans and leases to deposits | 60.5414% | 5,192 |
| Net loans and leases to core deposits | 63.6532% | 5,241 |
| Total domestic deposits to total assets | 87.4718% | 2,488 |
| Equity capital to assets | 9.0571% | 5,642 |
| Core capital (leverage) ratio | 8.5726% | 5,554 |
| Tier 1 risk-based capital ratio | 11.9763% | 5,951 |
| Total risk-based capital ratio | 13.2001% | 5,933 |
| Memoranda: | ||
| Average total assets | $858,628,330 | 774 |
| Average earning assets | $810,478,000 | 743 |
| Average equity | $81,560,670 | 852 |
| Average total loans | $476,917,000 | 866 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8064% | 6,229 |
| Cost of funding earning assets | 0.1217% | 7,225 |
| Net interest margin | 3.6848% | 3,904 |
| Noninterest income to average assets | 0.2015% | 6,182 |
| Noninterest expense to average assets | 3.2009% | 2,597 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2519% | 5,810 |
| Return on assets (ROA) | 0.2427% | 5,992 |
| Pretax return on assets | 0.4586% | 5,562 |
| Return on Equity (ROE) | 2.4921% | 5,909 |
| Retained earnings to average equity (ytd only) | 2.4921% | 5,013 |
| Net charge-offs to loans | -0.0144% | 6,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6823% | 1,415 |
| Assets per employee ($millions) | 7.4150% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 3,512 |
| Loan loss allowance to noncurrent loans | 125.5767% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 1.0482% | 4,398 |
| Noncurrent loans to loans | 1.3198% | 4,136 |
| Net loans and leases to total assets | 51.3785% | 5,095 |
| Net loans and leases to deposits | 58.5837% | 5,311 |
| Net loans and leases to core deposits | 62.0417% | 5,321 |
| Total domestic deposits to total assets | 87.7009% | 2,529 |
| Equity capital to assets | 9.4044% | 4,954 |
| Core capital (leverage) ratio | 8.6536% | 5,372 |
| Tier 1 risk-based capital ratio | 12.3864% | 5,693 |
| Total risk-based capital ratio | 13.6373% | 5,650 |
| Memoranda: | ||
| Average total assets | $833,879,000 | 797 |
| Average earning assets | $785,832,500 | 765 |
| Average equity | $81,216,000 | 852 |
| Average total loans | $471,254,000 | 875 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9289% | 6,574 |
| Cost of funding earning assets | 0.1798% | 7,257 |
| Net interest margin | 3.7491% | 4,085 |
| Noninterest income to average assets | 0.3079% | 5,334 |
| Noninterest expense to average assets | 3.2935% | 2,542 |
| Loan and lease loss provision to assets | 0.1845% | 4,349 |
| Net operating income to assets | 0.1913% | 5,615 |
| Return on assets (ROA) | 0.1877% | 5,757 |
| Pretax return on assets | 0.3344% | 5,461 |
| Return on Equity (ROE) | 1.9052% | 5,695 |
| Retained earnings to average equity (ytd only) | 1.9052% | 4,847 |
| Net charge-offs to loans | -0.0431% | 7,038 |
| Credit loss provision to net charge-offs | -747.1503% | 6,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8009% | 1,586 |
| Assets per employee ($millions) | 7.0815% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 3,874 |
| Loan loss allowance to noncurrent loans | 121.8699% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 1.1864% | 4,263 |
| Noncurrent loans to loans | 1.2570% | 4,269 |
| Net loans and leases to total assets | 60.2053% | 3,951 |
| Net loans and leases to deposits | 69.7446% | 4,151 |
| Net loans and leases to core deposits | 73.9380% | 4,249 |
| Total domestic deposits to total assets | 86.3225% | 3,129 |
| Equity capital to assets | 10.1029% | 4,029 |
| Core capital (leverage) ratio | 8.9665% | 4,839 |
| Tier 1 risk-based capital ratio | 11.8660% | 5,922 |
| Total risk-based capital ratio | 13.1162% | 5,905 |
| Memoranda: | ||
| Average total assets | $781,709,800 | 844 |
| Average earning assets | $731,911,800 | 812 |
| Average equity | $76,999,200 | 870 |
| Average total loans | $448,299,800 | 934 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9275% | 6,695 |
| Cost of funding earning assets | 0.1948% | 7,332 |
| Net interest margin | 3.7327% | 4,194 |
| Noninterest income to average assets | 0.3049% | 5,422 |
| Noninterest expense to average assets | 3.3331% | 2,392 |
| Loan and lease loss provision to assets | 0.1134% | 5,005 |
| Net operating income to assets | 0.1899% | 5,726 |
| Return on assets (ROA) | 0.1992% | 5,833 |
| Pretax return on assets | 0.3649% | 5,564 |
| Return on Equity (ROE) | 2.0358% | 5,764 |
| Retained earnings to average equity (ytd only) | 2.0358% | 5,119 |
| Net charge-offs to loans | -0.1409% | 7,217 |
| Credit loss provision to net charge-offs | -142.7646% | 6,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3198% | 1,408 |
| Assets per employee ($millions) | 7.1324% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 4,081 |
| Loan loss allowance to noncurrent loans | 130.2499% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 1.0997% | 4,574 |
| Noncurrent loans to loans | 1.1530% | 4,612 |
| Net loans and leases to total assets | 57.8596% | 4,534 |
| Net loans and leases to deposits | 68.1713% | 4,573 |
| Net loans and leases to core deposits | 72.3637% | 4,665 |
| Total domestic deposits to total assets | 84.8738% | 3,832 |
| Equity capital to assets | 10.1468% | 4,158 |
| Core capital (leverage) ratio | 8.9888% | 4,951 |
| Tier 1 risk-based capital ratio | 12.1086% | 5,812 |
| Total risk-based capital ratio | 13.3264% | 5,832 |
| Memoranda: | ||
| Average total assets | $777,086,250 | 851 |
| Average earning assets | $726,961,000 | 825 |
| Average equity | $76,038,000 | 891 |
| Average total loans | $438,059,750 | 965 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 6,759 |
| Cost of funding earning assets | 0.2077% | 7,407 |
| Net interest margin | 3.7285% | 4,128 |
| Noninterest income to average assets | 0.2919% | 5,543 |
| Noninterest expense to average assets | 3.3548% | 2,388 |
| Loan and lease loss provision to assets | 0.1712% | 4,220 |
| Net operating income to assets | 0.1288% | 5,937 |
| Return on assets (ROA) | 0.1450% | 5,993 |
| Pretax return on assets | 0.2776% | 5,719 |
| Return on Equity (ROE) | 1.5012% | 5,936 |
| Retained earnings to average equity (ytd only) | 1.5012% | 5,230 |
| Net charge-offs to loans | 0.1035% | 4,652 |
| Credit loss provision to net charge-offs | 297.7477% | 1,028 |
| Earnings coverage of net charge-offs (x) | 7.3649% | 2,237 |
| Efficiency ratio | 88.3192% | 1,383 |
| Assets per employee ($millions) | 7.2428% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 4,370 |
| Loan loss allowance to noncurrent loans | 112.8246% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 1.1205% | 4,655 |
| Noncurrent loans to loans | 1.2806% | 4,520 |
| Net loans and leases to total assets | 53.9290% | 5,304 |
| Net loans and leases to deposits | 62.2353% | 5,472 |
| Net loans and leases to core deposits | 66.2828% | 5,479 |
| Total domestic deposits to total assets | 86.6535% | 2,955 |
| Equity capital to assets | 9.9342% | 4,239 |
| Core capital (leverage) ratio | 9.2340% | 4,345 |
| Tier 1 risk-based capital ratio | 12.3234% | 5,500 |
| Total risk-based capital ratio | 13.4580% | 5,589 |
| Memoranda: | ||
| Average total assets | $772,217,000 | 867 |
| Average earning assets | $722,063,000 | 841 |
| Average equity | $74,606,670 | 911 |
| Average total loans | $429,061,330 | 1,004 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9282% | 6,793 |
| Cost of funding earning assets | 0.2314% | 7,459 |
| Net interest margin | 3.6968% | 4,127 |
| Noninterest income to average assets | 0.2858% | 5,631 |
| Noninterest expense to average assets | 3.4275% | 2,205 |
| Loan and lease loss provision to assets | 0.1021% | 4,730 |
| Net operating income to assets | 0.0972% | 6,101 |
| Return on assets (ROA) | 0.1305% | 6,065 |
| Pretax return on assets | 0.2726% | 5,738 |
| Return on Equity (ROE) | 1.3714% | 6,030 |
| Retained earnings to average equity (ytd only) | 1.3714% | 5,279 |
| Net charge-offs to loans | -0.0150% | 6,484 |
| Credit loss provision to net charge-offs | -1,212.5000% | 6,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9193% | 1,247 |
| Assets per employee ($millions) | 7.0060% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 4,603 |
| Loan loss allowance to noncurrent loans | 63.9688% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.2426% | 4,465 |
| Noncurrent loans to loans | 2.2069% | 3,309 |
| Net loans and leases to total assets | 55.5084% | 5,075 |
| Net loans and leases to deposits | 64.1677% | 5,232 |
| Net loans and leases to core deposits | 69.4682% | 5,115 |
| Total domestic deposits to total assets | 86.5052% | 3,230 |
| Equity capital to assets | 10.1353% | 3,609 |
| Core capital (leverage) ratio | 9.1675% | 4,342 |
| Tier 1 risk-based capital ratio | 12.4381% | 5,323 |
| Total risk-based capital ratio | 13.5616% | 5,420 |
| Memoranda: | ||
| Average total assets | $759,970,500 | 887 |
| Average earning assets | $712,186,500 | 864 |
| Average equity | $72,336,500 | 936 |
| Average total loans | $425,613,500 | 1,023 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 7,233 |
| Cost of funding earning assets | 0.4086% | 7,419 |
| Net interest margin | 3.4323% | 5,509 |
| Noninterest income to average assets | 0.2107% | 6,298 |
| Noninterest expense to average assets | 3.6094% | 1,899 |
| Loan and lease loss provision to assets | 0.4504% | 3,430 |
| Net operating income to assets | -0.3919% | 6,305 |
| Return on assets (ROA) | -0.4045% | 6,346 |
| Pretax return on assets | -0.6071% | 6,401 |
| Return on Equity (ROE) | -3.7941% | 6,345 |
| Retained earnings to average equity (ytd only) | -3.7941% | 6,189 |
| Net charge-offs to loans | 0.4622% | 3,770 |
| Credit loss provision to net charge-offs | 177.1429% | 1,875 |
| Earnings coverage of net charge-offs (x) | -0.5422% | 6,475 |
| Efficiency ratio | 103.9710% | 673 |
| Assets per employee ($millions) | 6.6341% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 4,560 |
| Loan loss allowance to noncurrent loans | 61.2010% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.4204% | 4,216 |
| Noncurrent loans to loans | 2.2729% | 3,247 |
| Net loans and leases to total assets | 54.9269% | 5,499 |
| Net loans and leases to deposits | 63.1343% | 5,729 |
| Net loans and leases to core deposits | 68.3456% | 5,630 |
| Total domestic deposits to total assets | 87.0000% | 2,823 |
| Equity capital to assets | 8.8953% | 5,290 |
| Core capital (leverage) ratio | 9.5151% | 3,687 |
| Tier 1 risk-based capital ratio | 10.9816% | 6,337 |
| Total risk-based capital ratio | 12.1004% | 6,417 |
| Memoranda: | ||
| Average total assets | $564,360,400 | 1,191 |
| Average earning assets | $536,173,800 | 1,137 |
| Average equity | $60,173,000 | 1,108 |
| Average total loans | $310,496,800 | 1,446 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1667% | 7,133 |
| Cost of funding earning assets | 0.4778% | 7,475 |
| Net interest margin | 3.6889% | 4,461 |
| Noninterest income to average assets | 0.2146% | 6,378 |
| Noninterest expense to average assets | 3.4930% | 2,047 |
| Loan and lease loss provision to assets | 0.1720% | 5,319 |
| Net operating income to assets | 0.0083% | 5,986 |
| Return on assets (ROA) | 0.0010% | 6,121 |
| Pretax return on assets | 0.0547% | 5,994 |
| Return on Equity (ROE) | 0.0091% | 6,123 |
| Retained earnings to average equity (ytd only) | 0.0091% | 5,775 |
| Net charge-offs to loans | -0.0005% | 7,166 |
| Credit loss provision to net charge-offs | -66,600.0000% | 7,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6194% | 1,022 |
| Assets per employee ($millions) | 6.7022% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 2,962 |
| Loan loss allowance to noncurrent loans | 107.3693% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.8559% | 5,388 |
| Noncurrent loans to loans | 1.6331% | 4,197 |
| Net loans and leases to total assets | 51.4898% | 6,158 |
| Net loans and leases to deposits | 62.7162% | 6,053 |
| Net loans and leases to core deposits | 67.1586% | 6,021 |
| Total domestic deposits to total assets | 82.0997% | 4,949 |
| Equity capital to assets | 10.1966% | 3,887 |
| Core capital (leverage) ratio | 10.1951% | 3,048 |
| Tier 1 risk-based capital ratio | 14.5485% | 3,485 |
| Total risk-based capital ratio | 15.7999% | 3,452 |
| Memoranda: | ||
| Average total assets | $516,379,500 | 1,305 |
| Average earning assets | $492,238,500 | 1,261 |
| Average equity | $58,397,750 | 1,145 |
| Average total loans | $282,805,250 | 1,601 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3083% | 7,039 |
| Cost of funding earning assets | 0.5111% | 7,532 |
| Net interest margin | 3.7973% | 3,902 |
| Noninterest income to average assets | 0.2078% | 6,427 |
| Noninterest expense to average assets | 3.4165% | 2,219 |
| Loan and lease loss provision to assets | 0.1041% | 5,876 |
| Net operating income to assets | 0.1521% | 5,715 |
| Return on assets (ROA) | 0.1834% | 5,742 |
| Pretax return on assets | 0.3549% | 5,358 |
| Return on Equity (ROE) | 1.5601% | 5,778 |
| Retained earnings to average equity (ytd only) | 1.5601% | 5,081 |
| Net charge-offs to loans | -0.0007% | 7,061 |
| Credit loss provision to net charge-offs | -25,600.0000% | 7,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2796% | 1,394 |
| Assets per employee ($millions) | 6.4881% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7511% | 2,899 |
| Loan loss allowance to noncurrent loans | 97.5847% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.9650% | 5,204 |
| Noncurrent loans to loans | 1.7944% | 4,010 |
| Net loans and leases to total assets | 52.8362% | 6,126 |
| Net loans and leases to deposits | 66.8977% | 5,699 |
| Net loans and leases to core deposits | 73.4736% | 5,502 |
| Total domestic deposits to total assets | 78.9806% | 6,045 |
| Equity capital to assets | 11.2786% | 2,611 |
| Core capital (leverage) ratio | 11.6123% | 1,851 |
| Tier 1 risk-based capital ratio | 15.6316% | 2,837 |
| Total risk-based capital ratio | 16.8829% | 2,801 |
| Memoranda: | ||
| Average total assets | $491,907,330 | 1,390 |
| Average earning assets | $468,811,000 | 1,326 |
| Average equity | $57,817,330 | 1,145 |
| Average total loans | $274,038,670 | 1,668 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 6,626 |
| Cost of funding earning assets | 0.5277% | 7,631 |
| Net interest margin | 4.0460% | 2,667 |
| Noninterest income to average assets | 0.2018% | 6,523 |
| Noninterest expense to average assets | 3.5274% | 1,915 |
| Loan and lease loss provision to assets | 0.1662% | 4,866 |
| Net operating income to assets | 0.2009% | 5,688 |
| Return on assets (ROA) | 0.2009% | 5,805 |
| Pretax return on assets | 0.3560% | 5,432 |
| Return on Equity (ROE) | 1.6713% | 5,895 |
| Retained earnings to average equity (ytd only) | 1.6713% | 5,100 |
| Net charge-offs to loans | -0.0015% | 6,757 |
| Credit loss provision to net charge-offs | -19,600.0000% | 6,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1049% | 1,676 |
| Assets per employee ($millions) | 6.4074% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 2,684 |
| Loan loss allowance to noncurrent loans | 94.2319% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 1.0787% | 4,989 |
| Noncurrent loans to loans | 1.9271% | 3,891 |
| Net loans and leases to total assets | 54.9599% | 5,898 |
| Net loans and leases to deposits | 72.2406% | 5,017 |
| Net loans and leases to core deposits | 85.1326% | 4,026 |
| Total domestic deposits to total assets | 76.0790% | 6,745 |
| Equity capital to assets | 11.8171% | 2,151 |
| Core capital (leverage) ratio | 12.6473% | 1,348 |
| Tier 1 risk-based capital ratio | 16.0581% | 2,634 |
| Total risk-based capital ratio | 17.3121% | 2,582 |
| Memoranda: | ||
| Average total assets | $471,849,500 | 1,485 |
| Average earning assets | $448,739,000 | 1,415 |
| Average equity | $56,723,500 | 1,169 |
| Average total loans | $268,002,500 | 1,753 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9768% | 6,504 |
| Cost of funding earning assets | 0.6272% | 7,755 |
| Net interest margin | 4.3496% | 1,575 |
| Noninterest income to average assets | 0.2202% | 6,538 |
| Noninterest expense to average assets | 3.1110% | 3,687 |
| Loan and lease loss provision to assets | 0.8097% | 2,704 |
| Net operating income to assets | 0.2354% | 4,779 |
| Return on assets (ROA) | 0.1743% | 5,053 |
| Pretax return on assets | 0.3203% | 4,708 |
| Return on Equity (ROE) | 1.3287% | 5,137 |
| Retained earnings to average equity (ytd only) | 1.3287% | 4,114 |
| Net charge-offs to loans | 0.7901% | 2,850 |
| Credit loss provision to net charge-offs | 180.9200% | 2,289 |
| Earnings coverage of net charge-offs (x) | 2.7381% | 3,730 |
| Efficiency ratio | 71.7400% | 4,310 |
| Assets per employee ($millions) | 6.8170% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8043% | 2,528 |
| Loan loss allowance to noncurrent loans | 92.6872% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.1227% | 4,844 |
| Noncurrent loans to loans | 1.9467% | 3,737 |
| Net loans and leases to total assets | 56.6339% | 5,881 |
| Net loans and leases to deposits | 74.6967% | 4,923 |
| Net loans and leases to core deposits | 90.9030% | 5,031 |
| Total domestic deposits to total assets | 75.8185% | 6,714 |
| Equity capital to assets | 12.2394% | 1,885 |
| Core capital (leverage) ratio | 12.6685% | 1,366 |
| Tier 1 risk-based capital ratio | 16.2529% | 2,415 |
| Total risk-based capital ratio | 17.5043% | 2,352 |
| Memoranda: | ||
| Average total assets | $427,420,400 | 1,619 |
| Average earning assets | $404,495,600 | 1,566 |
| Average equity | $56,071,000 | 1,174 |
| Average total loans | $242,106,800 | 1,934 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9725% | 6,687 |
| Cost of funding earning assets | 0.6380% | 7,866 |
| Net interest margin | 4.3345% | 1,628 |
| Noninterest income to average assets | 0.2317% | 6,569 |
| Noninterest expense to average assets | 3.1088% | 3,617 |
| Loan and lease loss provision to assets | 0.6925% | 2,659 |
| Net operating income to assets | 0.2923% | 4,816 |
| Return on assets (ROA) | 0.2228% | 5,163 |
| Pretax return on assets | 0.4231% | 4,731 |
| Return on Equity (ROE) | 1.6680% | 5,279 |
| Retained earnings to average equity (ytd only) | 1.6680% | 4,377 |
| Net charge-offs to loans | 0.6391% | 2,765 |
| Credit loss provision to net charge-offs | 192.2467% | 2,353 |
| Earnings coverage of net charge-offs (x) | 3.3982% | 3,548 |
| Efficiency ratio | 71.7477% | 4,290 |
| Assets per employee ($millions) | 7.4450% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 2,646 |
| Loan loss allowance to noncurrent loans | 226.1702% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 6,431 |
| Noncurrent loans to loans | 0.7500% | 5,807 |
| Net loans and leases to total assets | 53.3803% | 6,453 |
| Net loans and leases to deposits | 69.5201% | 5,975 |
| Net loans and leases to core deposits | 83.7302% | 6,060 |
| Total domestic deposits to total assets | 76.7839% | 6,397 |
| Equity capital to assets | 12.2890% | 2,072 |
| Core capital (leverage) ratio | 13.2736% | 1,301 |
| Tier 1 risk-based capital ratio | 16.8571% | 2,317 |
| Total risk-based capital ratio | 18.1070% | 2,270 |
| Memoranda: | ||
| Average total assets | $420,091,250 | 1,663 |
| Average earning assets | $397,485,500 | 1,616 |
| Average equity | $56,113,250 | 1,191 |
| Average total loans | $236,778,250 | 2,006 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0914% | 6,470 |
| Cost of funding earning assets | 0.6346% | 7,968 |
| Net interest margin | 4.4568% | 1,270 |
| Noninterest income to average assets | 0.2319% | 6,624 |
| Noninterest expense to average assets | 3.4938% | 2,356 |
| Loan and lease loss provision to assets | 0.4662% | 3,190 |
| Net operating income to assets | 0.2652% | 5,029 |
| Return on assets (ROA) | 0.2703% | 5,111 |
| Pretax return on assets | 0.4736% | 4,706 |
| Return on Equity (ROE) | 1.9639% | 5,315 |
| Retained earnings to average equity (ytd only) | 1.9639% | 4,251 |
| Net charge-offs to loans | 0.3076% | 3,649 |
| Credit loss provision to net charge-offs | 265.2661% | 1,756 |
| Earnings coverage of net charge-offs (x) | 5.3025% | 2,860 |
| Efficiency ratio | 78.9433% | 3,201 |
| Assets per employee ($millions) | 7.6234% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6485% | 2,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 53.0353% | 6,565 |
| Net loans and leases to deposits | 74.3912% | 5,394 |
| Net loans and leases to core deposits | 98.4460% | 4,653 |
| Total domestic deposits to total assets | 71.2924% | 7,326 |
| Equity capital to assets | 12.7875% | 1,794 |
| Core capital (leverage) ratio | 14.0723% | 1,124 |
| Tier 1 risk-based capital ratio | 17.6893% | 2,091 |
| Total risk-based capital ratio | 18.8876% | 2,061 |
| Memoranda: | ||
| Average total assets | $406,258,330 | 1,729 |
| Average earning assets | $382,290,330 | 1,693 |
| Average equity | $55,909,330 | 1,205 |
| Average total loans | $232,154,330 | 2,068 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 6,583 |
| Cost of funding earning assets | 0.6355% | 8,031 |
| Net interest margin | 4.4871% | 1,155 |
| Noninterest income to average assets | 0.2283% | 6,634 |
| Noninterest expense to average assets | 3.1601% | 3,150 |
| Loan and lease loss provision to assets | 0.6819% | 1,855 |
| Net operating income to assets | 0.3489% | 5,073 |
| Return on assets (ROA) | 0.2041% | 5,813 |
| Pretax return on assets | 0.3617% | 5,508 |
| Return on Equity (ROE) | 1.4284% | 6,001 |
| Retained earnings to average equity (ytd only) | 1.4284% | 5,059 |
| Net charge-offs to loans | 0.5834% | 2,007 |
| Credit loss provision to net charge-offs | 198.5294% | 2,237 |
| Earnings coverage of net charge-offs (x) | 3.6971% | 3,096 |
| Efficiency ratio | 71.3341% | 4,306 |
| Assets per employee ($millions) | 7.7852% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 2,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 55.8664% | 6,257 |
| Net loans and leases to deposits | 82.1667% | 4,256 |
| Net loans and leases to core deposits | 105.4512% | 3,976 |
| Total domestic deposits to total assets | 67.9916% | 7,596 |
| Equity capital to assets | 13.6918% | 1,468 |
| Core capital (leverage) ratio | 14.7180% | 1,030 |
| Tier 1 risk-based capital ratio | 18.3106% | 1,979 |
| Total risk-based capital ratio | 19.4791% | 1,949 |
| Memoranda: | ||
| Average total assets | $395,933,500 | 1,779 |
| Average earning assets | $370,754,000 | 1,746 |
| Average equity | $56,568,500 | 1,194 |
| Average total loans | $233,128,000 | 2,070 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6213% | 7,007 |
| Cost of funding earning assets | 1.3256% | 7,819 |
| Net interest margin | 4.2958% | 1,991 |
| Noninterest income to average assets | 0.2142% | 6,905 |
| Noninterest expense to average assets | 4.1705% | 1,178 |
| Loan and lease loss provision to assets | 0.3695% | 3,465 |
| Net operating income to assets | 0.5154% | 4,664 |
| Return on assets (ROA) | 0.5902% | 4,217 |
| Pretax return on assets | -0.1207% | 6,292 |
| Return on Equity (ROE) | 3.4380% | 5,068 |
| Retained earnings to average equity (ytd only) | 3.4380% | 3,002 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9346% | 1,101 |
| Assets per employee ($millions) | 7.4364% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 3,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 60.3814% | 5,854 |
| Net loans and leases to deposits | 93.2110% | 2,925 |
| Net loans and leases to core deposits | 102.7030% | 4,529 |
| Total domestic deposits to total assets | 64.7793% | 7,737 |
| Equity capital to assets | 14.9354% | 1,176 |
| Core capital (leverage) ratio | 15.7741% | 870 |
| Tier 1 risk-based capital ratio | 18.8625% | 1,844 |
| Total risk-based capital ratio | 19.9760% | 1,816 |
| Memoranda: | ||
| Average total assets | $320,727,600 | 2,081 |
| Average earning assets | $305,231,600 | 2,001 |
| Average equity | $55,061,000 | 1,222 |
| Average total loans | $196,820,600 | 2,331 |