Home > Centrue Bank > Performance and Condition Ratios
Centrue Bank, Performance and Condition Ratios
| 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 | 0.4684% | 5,784 |
| Cost of funding earning assets | 0.0357% | 5,737 |
| Net interest margin | 0.4327% | 5,783 |
| Noninterest income to average assets | 0.0973% | 5,525 |
| Noninterest expense to average assets | 0.3296% | 5,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0914% | 5,499 |
| Return on assets (ROA) | 0.0914% | 5,503 |
| Pretax return on assets | 0.1413% | 5,476 |
| Return on Equity (ROE) | 0.6201% | 5,514 |
| Retained earnings to average equity (ytd only) | 0.6201% | 4,947 |
| Net charge-offs to loans | -0.0044% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8532% | 3,204 |
| Assets per employee ($millions) | 4.7041% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0022% | 5,729 |
| Loan loss allowance to noncurrent loans | 1.6968% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 0.5503% | 2,929 |
| Noncurrent loans to loans | 0.1276% | 4,614 |
| Net loans and leases to total assets | 67.8922% | 2,830 |
| Net loans and leases to deposits | 93.7691% | 1,286 |
| Net loans and leases to core deposits | 113.6449% | 814 |
| Total domestic deposits to total assets | 72.4036% | 5,426 |
| Equity capital to assets | 17.5171% | 361 |
| Core capital (leverage) ratio | 10.7983% | 2,599 |
| Tier 1 risk-based capital ratio | 12.8879% | 4,069 |
| Total risk-based capital ratio | 12.8900% | 4,754 |
| Memoranda: | ||
| Average total assets | $986,571,000 | 755 |
| Average earning assets | $851,842,330 | 813 |
| Average equity | $145,458,670 | 561 |
| Average total loans | $689,083,330 | 759 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 3,670 |
| Cost of funding earning assets | 0.2871% | 4,170 |
| Net interest margin | 3.5388% | 3,128 |
| Noninterest income to average assets | 0.8512% | 1,392 |
| Noninterest expense to average assets | 2.9666% | 2,258 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6428% | 3,960 |
| Return on assets (ROA) | 0.6428% | 3,997 |
| Pretax return on assets | 0.9919% | 3,405 |
| Return on Equity (ROE) | 4.8392% | 4,465 |
| Retained earnings to average equity (ytd only) | 4.8392% | 2,992 |
| Net charge-offs to loans | -0.0233% | 4,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9427% | 2,076 |
| Assets per employee ($millions) | 4.5678% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 2,541 |
| Loan loss allowance to noncurrent loans | 112.3054% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.3296% | 1,273 |
| Noncurrent loans to loans | 1.1571% | 1,754 |
| Net loans and leases to total assets | 70.1525% | 2,352 |
| Net loans and leases to deposits | 92.8943% | 1,235 |
| Net loans and leases to core deposits | 110.9237% | 835 |
| Total domestic deposits to total assets | 75.5186% | 5,283 |
| Equity capital to assets | 13.4018% | 1,108 |
| Core capital (leverage) ratio | 11.4427% | 1,991 |
| Tier 1 risk-based capital ratio | 13.8078% | 3,599 |
| Total risk-based capital ratio | 14.9391% | 3,573 |
| Memoranda: | ||
| Average total assets | $969,463,000 | 779 |
| Average earning assets | $851,256,500 | 821 |
| Average equity | $128,782,000 | 640 |
| Average total loans | $687,100,000 | 760 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7820% | 3,964 |
| Cost of funding earning assets | 0.2554% | 4,518 |
| Net interest margin | 3.5266% | 3,328 |
| Noninterest income to average assets | 1.1813% | 809 |
| Noninterest expense to average assets | 3.1848% | 1,828 |
| Loan and lease loss provision to assets | 0.0311% | 3,733 |
| Net operating income to assets | 0.6537% | 3,982 |
| Return on assets (ROA) | 0.6631% | 4,054 |
| Pretax return on assets | 1.0418% | 3,320 |
| Return on Equity (ROE) | 4.8000% | 4,516 |
| Retained earnings to average equity (ytd only) | 4.8000% | 2,473 |
| Net charge-offs to loans | -0.0020% | 4,698 |
| Credit loss provision to net charge-offs | -2,307.6923% | 5,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9121% | 2,438 |
| Assets per employee ($millions) | 4.4726% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 2,556 |
| Loan loss allowance to noncurrent loans | 552.7002% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.6855% | 2,658 |
| Noncurrent loans to loans | 0.2349% | 4,308 |
| Net loans and leases to total assets | 69.7555% | 2,523 |
| Net loans and leases to deposits | 91.0553% | 1,571 |
| Net loans and leases to core deposits | 109.8734% | 909 |
| Total domestic deposits to total assets | 76.6079% | 5,166 |
| Equity capital to assets | 13.1662% | 1,185 |
| Core capital (leverage) ratio | 11.1374% | 2,222 |
| Tier 1 risk-based capital ratio | 13.4143% | 3,826 |
| Total risk-based capital ratio | 14.5352% | 3,817 |
| Memoranda: | ||
| Average total assets | $964,557,200 | 749 |
| Average earning assets | $837,407,200 | 787 |
| Average equity | $133,248,800 | 599 |
| Average total loans | $663,695,400 | 751 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7848% | 3,967 |
| Cost of funding earning assets | 0.2497% | 4,607 |
| Net interest margin | 3.5351% | 3,341 |
| Noninterest income to average assets | 1.1991% | 799 |
| Noninterest expense to average assets | 3.2147% | 1,741 |
| Loan and lease loss provision to assets | 0.0415% | 3,403 |
| Net operating income to assets | 0.6171% | 4,221 |
| Return on assets (ROA) | 0.6294% | 4,289 |
| Pretax return on assets | 1.0255% | 3,530 |
| Return on Equity (ROE) | 4.5026% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.5026% | 3,133 |
| Net charge-offs to loans | -0.0263% | 5,105 |
| Credit loss provision to net charge-offs | -230.7692% | 4,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1032% | 2,421 |
| Assets per employee ($millions) | 4.6151% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 2,427 |
| Loan loss allowance to noncurrent loans | 388.6687% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.7924% | 2,564 |
| Noncurrent loans to loans | 0.3480% | 4,006 |
| Net loans and leases to total assets | 66.3093% | 3,071 |
| Net loans and leases to deposits | 86.0158% | 2,254 |
| Net loans and leases to core deposits | 98.1958% | 1,792 |
| Total domestic deposits to total assets | 77.0896% | 5,070 |
| Equity capital to assets | 13.7063% | 1,161 |
| Core capital (leverage) ratio | 11.8175% | 1,802 |
| Tier 1 risk-based capital ratio | 14.5257% | 3,277 |
| Total risk-based capital ratio | 15.6837% | 3,247 |
| Memoranda: | ||
| Average total assets | $963,056,250 | 754 |
| Average earning assets | $834,539,500 | 788 |
| Average equity | $134,614,500 | 590 |
| Average total loans | $658,138,250 | 754 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8307% | 3,844 |
| Cost of funding earning assets | 0.2435% | 4,724 |
| Net interest margin | 3.5873% | 3,148 |
| Noninterest income to average assets | 1.3318% | 642 |
| Noninterest expense to average assets | 3.2841% | 1,626 |
| Loan and lease loss provision to assets | 0.0629% | 2,880 |
| Net operating income to assets | 0.6968% | 3,807 |
| Return on assets (ROA) | 0.7049% | 3,913 |
| Pretax return on assets | 1.0947% | 3,218 |
| Return on Equity (ROE) | 5.0092% | 4,512 |
| Retained earnings to average equity (ytd only) | 5.0092% | 2,737 |
| Net charge-offs to loans | -0.0104% | 4,707 |
| Credit loss provision to net charge-offs | -882.3529% | 5,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8928% | 2,675 |
| Assets per employee ($millions) | 4.2754% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 2,504 |
| Loan loss allowance to noncurrent loans | 353.4653% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.9832% | 2,177 |
| Noncurrent loans to loans | 0.3836% | 3,984 |
| Net loans and leases to total assets | 68.7127% | 2,678 |
| Net loans and leases to deposits | 90.1006% | 1,743 |
| Net loans and leases to core deposits | 99.8169% | 1,644 |
| Total domestic deposits to total assets | 76.2622% | 5,255 |
| Equity capital to assets | 14.2817% | 938 |
| Core capital (leverage) ratio | 11.7325% | 1,827 |
| Tier 1 risk-based capital ratio | 14.7490% | 3,182 |
| Total risk-based capital ratio | 15.9373% | 3,158 |
| Memoranda: | ||
| Average total assets | $953,329,330 | 760 |
| Average earning assets | $823,133,670 | 806 |
| Average equity | $134,153,000 | 593 |
| Average total loans | $655,195,670 | 755 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8404% | 3,807 |
| Cost of funding earning assets | 0.2457% | 4,748 |
| Net interest margin | 3.5947% | 3,109 |
| Noninterest income to average assets | 0.9094% | 1,290 |
| Noninterest expense to average assets | 3.2219% | 1,787 |
| Loan and lease loss provision to assets | 0.1253% | 1,690 |
| Net operating income to assets | 0.4358% | 4,878 |
| Return on assets (ROA) | 0.4461% | 4,926 |
| Pretax return on assets | 0.6700% | 4,621 |
| Return on Equity (ROE) | 3.1938% | 5,167 |
| Retained earnings to average equity (ytd only) | 3.1938% | 3,908 |
| Net charge-offs to loans | -0.0508% | 5,341 |
| Credit loss provision to net charge-offs | -361.4458% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0271% | 1,894 |
| Assets per employee ($millions) | 4.1260% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 2,621 |
| Loan loss allowance to noncurrent loans | 158.9725% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.3545% | 1,565 |
| Noncurrent loans to loans | 0.8536% | 2,713 |
| Net loans and leases to total assets | 67.8592% | 2,667 |
| Net loans and leases to deposits | 88.9077% | 1,715 |
| Net loans and leases to core deposits | 94.4250% | 1,948 |
| Total domestic deposits to total assets | 76.3254% | 5,375 |
| Equity capital to assets | 13.7886% | 1,056 |
| Core capital (leverage) ratio | 11.4216% | 2,033 |
| Tier 1 risk-based capital ratio | 13.9066% | 3,751 |
| Total risk-based capital ratio | 15.0739% | 3,734 |
| Memoranda: | ||
| Average total assets | $957,558,000 | 756 |
| Average earning assets | $823,776,500 | 808 |
| Average equity | $133,757,500 | 590 |
| Average total loans | $653,707,500 | 756 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6783% | 4,429 |
| Cost of funding earning assets | 0.2312% | 5,002 |
| Net interest margin | 3.4471% | 3,732 |
| Noninterest income to average assets | 1.1252% | 933 |
| Noninterest expense to average assets | 3.5686% | 1,180 |
| Loan and lease loss provision to assets | 0.0419% | 3,499 |
| Net operating income to assets | 4.0401% | 58 |
| Return on assets (ROA) | 4.0780% | 58 |
| Pretax return on assets | 0.5646% | 4,947 |
| Return on Equity (ROE) | 36.3275% | 37 |
| Retained earnings to average equity (ytd only) | 36.3275% | 19 |
| Net charge-offs to loans | -0.0394% | 5,490 |
| Credit loss provision to net charge-offs | -159.5745% | 5,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6861% | 1,208 |
| Assets per employee ($millions) | 3.9906% | 3,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 2,759 |
| Loan loss allowance to noncurrent loans | 143.0165% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 1.5107% | 1,341 |
| Noncurrent loans to loans | 0.9298% | 2,477 |
| Net loans and leases to total assets | 66.8388% | 2,869 |
| Net loans and leases to deposits | 88.6307% | 1,790 |
| Net loans and leases to core deposits | 93.1884% | 2,118 |
| Total domestic deposits to total assets | 75.4127% | 5,507 |
| Equity capital to assets | 14.1501% | 883 |
| Core capital (leverage) ratio | 11.9674% | 1,637 |
| Tier 1 risk-based capital ratio | 14.4506% | 3,469 |
| Total risk-based capital ratio | 15.5873% | 3,441 |
| Memoranda: | ||
| Average total assets | $894,155,600 | 771 |
| Average earning assets | $781,284,400 | 811 |
| Average equity | $100,375,800 | 769 |
| Average total loans | $595,935,200 | 783 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6358% | 4,625 |
| Cost of funding earning assets | 0.2321% | 5,072 |
| Net interest margin | 3.4036% | 3,940 |
| Noninterest income to average assets | 1.1475% | 907 |
| Noninterest expense to average assets | 3.7188% | 952 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4102% | 5,127 |
| Return on assets (ROA) | 0.4543% | 5,047 |
| Pretax return on assets | 0.4640% | 5,310 |
| Return on Equity (ROE) | 4.3547% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.3547% | 3,372 |
| Net charge-offs to loans | -0.0964% | 5,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2613% | 914 |
| Assets per employee ($millions) | 3.8913% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 2,730 |
| Loan loss allowance to noncurrent loans | 139.8170% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 1.6741% | 1,301 |
| Noncurrent loans to loans | 0.9814% | 2,532 |
| Net loans and leases to total assets | 64.1404% | 3,291 |
| Net loans and leases to deposits | 84.9685% | 2,284 |
| Net loans and leases to core deposits | 89.3696% | 2,525 |
| Total domestic deposits to total assets | 75.4873% | 5,572 |
| Equity capital to assets | 10.8547% | 3,190 |
| Core capital (leverage) ratio | 11.3137% | 2,180 |
| Tier 1 risk-based capital ratio | 14.3414% | 3,660 |
| Total risk-based capital ratio | 15.5019% | 3,634 |
| Memoranda: | ||
| Average total assets | $879,257,750 | 791 |
| Average earning assets | $772,489,250 | 826 |
| Average equity | $91,730,750 | 834 |
| Average total loans | $583,403,000 | 803 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6581% | 4,548 |
| Cost of funding earning assets | 0.2339% | 5,105 |
| Net interest margin | 3.4243% | 3,813 |
| Noninterest income to average assets | 1.0698% | 1,047 |
| Noninterest expense to average assets | 3.6848% | 1,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3746% | 5,216 |
| Return on assets (ROA) | 0.3979% | 5,248 |
| Pretax return on assets | 0.4035% | 5,460 |
| Return on Equity (ROE) | 3.8715% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.8715% | 3,540 |
| Net charge-offs to loans | -0.2315% | 6,064 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9234% | 911 |
| Assets per employee ($millions) | 3.7052% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 2,406 |
| Loan loss allowance to noncurrent loans | 139.5706% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.7960% | 1,280 |
| Noncurrent loans to loans | 1.0547% | 2,536 |
| Net loans and leases to total assets | 65.0695% | 3,112 |
| Net loans and leases to deposits | 82.3934% | 2,511 |
| Net loans and leases to core deposits | 86.3741% | 2,730 |
| Total domestic deposits to total assets | 78.9741% | 5,099 |
| Equity capital to assets | 11.3242% | 2,552 |
| Core capital (leverage) ratio | 11.8799% | 1,725 |
| Tier 1 risk-based capital ratio | 14.8586% | 3,440 |
| Total risk-based capital ratio | 16.1087% | 3,375 |
| Memoranda: | ||
| Average total assets | $858,449,000 | 811 |
| Average earning assets | $750,817,000 | 856 |
| Average equity | $88,235,330 | 874 |
| Average total loans | $573,736,330 | 818 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6711% | 4,467 |
| Cost of funding earning assets | 0.2455% | 5,071 |
| Net interest margin | 3.4256% | 3,734 |
| Noninterest income to average assets | 1.0301% | 1,054 |
| Noninterest expense to average assets | 3.8086% | 869 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1954% | 5,691 |
| Return on assets (ROA) | 0.2078% | 5,757 |
| Pretax return on assets | 0.2135% | 5,811 |
| Return on Equity (ROE) | 2.1365% | 5,658 |
| Retained earnings to average equity (ytd only) | 2.1365% | 4,607 |
| Net charge-offs to loans | -0.0099% | 4,718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1775% | 702 |
| Assets per employee ($millions) | 3.6037% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 2,958 |
| Loan loss allowance to noncurrent loans | 109.2213% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.9855% | 1,195 |
| Noncurrent loans to loans | 1.2729% | 2,250 |
| Net loans and leases to total assets | 65.0224% | 2,931 |
| Net loans and leases to deposits | 79.2572% | 2,648 |
| Net loans and leases to core deposits | 83.5590% | 2,819 |
| Total domestic deposits to total assets | 82.0397% | 4,500 |
| Equity capital to assets | 11.5372% | 2,434 |
| Core capital (leverage) ratio | 12.1885% | 1,517 |
| Tier 1 risk-based capital ratio | 15.2895% | 3,272 |
| Total risk-based capital ratio | 16.4986% | 3,216 |
| Memoranda: | ||
| Average total assets | $843,048,000 | 831 |
| Average earning assets | $733,183,000 | 880 |
| Average equity | $82,002,500 | 933 |
| Average total loans | $566,966,500 | 825 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7505% | 4,641 |
| Cost of funding earning assets | 0.3461% | 4,290 |
| Net interest margin | 3.4044% | 4,180 |
| Noninterest income to average assets | 1.2574% | 764 |
| Noninterest expense to average assets | 3.8865% | 871 |
| Loan and lease loss provision to assets | 0.8360% | 150 |
| Net operating income to assets | -0.5594% | 6,312 |
| Return on assets (ROA) | -0.4516% | 6,285 |
| Pretax return on assets | -0.4516% | 6,272 |
| Return on Equity (ROE) | -5.7615% | 6,307 |
| Retained earnings to average equity (ytd only) | -5.7615% | 6,211 |
| Net charge-offs to loans | 1.8864% | 110 |
| Credit loss provision to net charge-offs | 66.3290% | 3,155 |
| Earnings coverage of net charge-offs (x) | 0.2195% | 4,679 |
| Efficiency ratio | 89.0838% | 905 |
| Assets per employee ($millions) | 3.2955% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 2,811 |
| Loan loss allowance to noncurrent loans | 102.9939% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 2.2119% | 1,103 |
| Noncurrent loans to loans | 1.3865% | 2,113 |
| Net loans and leases to total assets | 67.6781% | 2,610 |
| Net loans and leases to deposits | 78.7453% | 2,877 |
| Net loans and leases to core deposits | 83.6324% | 2,937 |
| Total domestic deposits to total assets | 85.9455% | 2,873 |
| Equity capital to assets | 7.7873% | 6,147 |
| Core capital (leverage) ratio | 7.6125% | 6,166 |
| Tier 1 risk-based capital ratio | 10.5863% | 6,065 |
| Total risk-based capital ratio | 11.8374% | 6,010 |
| Memoranda: | ||
| Average total assets | $861,464,800 | 779 |
| Average earning assets | $735,285,400 | 833 |
| Average equity | $67,516,600 | 1,092 |
| Average total loans | $575,595,800 | 767 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7339% | 4,760 |
| Cost of funding earning assets | 0.3613% | 4,223 |
| Net interest margin | 3.3726% | 4,343 |
| Noninterest income to average assets | 1.2304% | 803 |
| Noninterest expense to average assets | 3.5941% | 1,306 |
| Loan and lease loss provision to assets | 0.3473% | 509 |
| Net operating income to assets | 0.1620% | 5,926 |
| Return on assets (ROA) | 0.2823% | 5,710 |
| Pretax return on assets | 0.2823% | 5,802 |
| Return on Equity (ROE) | 3.5964% | 5,335 |
| Retained earnings to average equity (ytd only) | 3.5964% | 4,091 |
| Net charge-offs to loans | 0.2412% | 1,598 |
| Credit loss provision to net charge-offs | 216.8732% | 1,187 |
| Earnings coverage of net charge-offs (x) | 3.1802% | 3,712 |
| Efficiency ratio | 84.9356% | 1,292 |
| Assets per employee ($millions) | 3.4754% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2133% | 927 |
| Loan loss allowance to noncurrent loans | 54.3270% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 5.1554% | 318 |
| Noncurrent loans to loans | 4.0740% | 508 |
| Net loans and leases to total assets | 66.7436% | 2,734 |
| Net loans and leases to deposits | 77.8120% | 2,973 |
| Net loans and leases to core deposits | 83.7973% | 2,900 |
| Total domestic deposits to total assets | 85.7755% | 2,970 |
| Equity capital to assets | 8.1440% | 6,047 |
| Core capital (leverage) ratio | 7.7858% | 6,174 |
| Tier 1 risk-based capital ratio | 10.9920% | 5,991 |
| Total risk-based capital ratio | 12.2522% | 5,938 |
| Memoranda: | ||
| Average total assets | $873,333,500 | 767 |
| Average earning assets | $743,969,250 | 830 |
| Average equity | $68,548,750 | 1,073 |
| Average total loans | $579,776,250 | 759 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7082% | 4,835 |
| Cost of funding earning assets | 0.3700% | 4,208 |
| Net interest margin | 3.3382% | 4,447 |
| Noninterest income to average assets | 1.2132% | 793 |
| Noninterest expense to average assets | 3.5972% | 1,302 |
| Loan and lease loss provision to assets | 0.3634% | 478 |
| Net operating income to assets | 0.0929% | 6,057 |
| Return on assets (ROA) | 0.1787% | 5,944 |
| Pretax return on assets | 0.1787% | 5,975 |
| Return on Equity (ROE) | 2.3051% | 5,759 |
| Retained earnings to average equity (ytd only) | 2.3051% | 4,730 |
| Net charge-offs to loans | 0.2679% | 1,476 |
| Credit loss provision to net charge-offs | 206.1856% | 1,140 |
| Earnings coverage of net charge-offs (x) | 2.5889% | 3,517 |
| Efficiency ratio | 86.0769% | 1,264 |
| Assets per employee ($millions) | 3.4036% | 5,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1304% | 1,120 |
| Loan loss allowance to noncurrent loans | 43.2373% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 5.7730% | 275 |
| Noncurrent loans to loans | 4.9272% | 406 |
| Net loans and leases to total assets | 65.9571% | 2,754 |
| Net loans and leases to deposits | 76.7894% | 2,954 |
| Net loans and leases to core deposits | 82.1239% | 2,961 |
| Total domestic deposits to total assets | 85.8935% | 3,099 |
| Equity capital to assets | 7.9107% | 6,200 |
| Core capital (leverage) ratio | 7.7469% | 6,229 |
| Tier 1 risk-based capital ratio | 10.7093% | 6,170 |
| Total risk-based capital ratio | 11.9685% | 6,117 |
| Memoranda: | ||
| Average total assets | $880,617,330 | 763 |
| Average earning assets | $749,265,330 | 820 |
| Average equity | $68,283,330 | 1,070 |
| Average total loans | $579,310,670 | 755 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 4,872 |
| Cost of funding earning assets | 0.3773% | 4,227 |
| Net interest margin | 3.3157% | 4,472 |
| Noninterest income to average assets | 1.0512% | 1,011 |
| Noninterest expense to average assets | 3.5604% | 1,377 |
| Loan and lease loss provision to assets | 0.4059% | 415 |
| Net operating income to assets | -0.0934% | 6,280 |
| Return on assets (ROA) | 0.0505% | 6,146 |
| Pretax return on assets | 0.0505% | 6,155 |
| Return on Equity (ROE) | 0.6579% | 6,113 |
| Retained earnings to average equity (ytd only) | 0.6579% | 5,330 |
| Net charge-offs to loans | 0.1027% | 2,146 |
| Credit loss provision to net charge-offs | 608.1081% | 459 |
| Earnings coverage of net charge-offs (x) | 4.6824% | 2,492 |
| Efficiency ratio | 89.1593% | 1,110 |
| Assets per employee ($millions) | 3.4724% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1306% | 1,273 |
| Loan loss allowance to noncurrent loans | 44.0937% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 5.6569% | 327 |
| Noncurrent loans to loans | 4.8319% | 474 |
| Net loans and leases to total assets | 63.7716% | 2,937 |
| Net loans and leases to deposits | 73.4144% | 3,140 |
| Net loans and leases to core deposits | 79.3761% | 3,049 |
| Total domestic deposits to total assets | 86.8652% | 2,897 |
| Equity capital to assets | 7.6069% | 6,276 |
| Core capital (leverage) ratio | 7.4844% | 6,343 |
| Tier 1 risk-based capital ratio | 10.5863% | 6,309 |
| Total risk-based capital ratio | 11.8455% | 6,275 |
| Memoranda: | ||
| Average total assets | $886,969,000 | 762 |
| Average earning assets | $754,841,000 | 824 |
| Average equity | $68,096,000 | 1,073 |
| Average total loans | $576,510,000 | 761 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7341% | 5,023 |
| Cost of funding earning assets | 0.4385% | 4,236 |
| Net interest margin | 3.2956% | 4,682 |
| Noninterest income to average assets | 1.2495% | 891 |
| Noninterest expense to average assets | 3.6693% | 1,338 |
| Loan and lease loss provision to assets | 0.3839% | 792 |
| Net operating income to assets | -0.0205% | 6,236 |
| Return on assets (ROA) | 0.6845% | 3,966 |
| Pretax return on assets | 0.6845% | 4,598 |
| Return on Equity (ROE) | 9.0438% | 2,513 |
| Retained earnings to average equity (ytd only) | 9.0438% | 765 |
| Net charge-offs to loans | 1.8954% | 208 |
| Credit loss provision to net charge-offs | 31.9020% | 4,212 |
| Earnings coverage of net charge-offs (x) | 0.3020% | 4,983 |
| Efficiency ratio | 88.3466% | 1,178 |
| Assets per employee ($millions) | 3.3140% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0361% | 1,471 |
| Loan loss allowance to noncurrent loans | 40.3069% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 5.9202% | 329 |
| Noncurrent loans to loans | 5.0515% | 487 |
| Net loans and leases to total assets | 63.5136% | 3,131 |
| Net loans and leases to deposits | 73.9909% | 3,256 |
| Net loans and leases to core deposits | 79.8141% | 3,155 |
| Total domestic deposits to total assets | 85.8397% | 3,343 |
| Equity capital to assets | 7.7487% | 6,159 |
| Core capital (leverage) ratio | 7.5151% | 6,363 |
| Tier 1 risk-based capital ratio | 10.6521% | 6,314 |
| Total risk-based capital ratio | 11.9100% | 6,265 |
| Memoranda: | ||
| Average total assets | $892,247,000 | 739 |
| Average earning assets | $753,478,800 | 800 |
| Average equity | $67,526,600 | 1,061 |
| Average total loans | $566,415,400 | 743 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7168% | 5,116 |
| Cost of funding earning assets | 0.4492% | 4,282 |
| Net interest margin | 3.2676% | 4,760 |
| Noninterest income to average assets | 1.2269% | 979 |
| Noninterest expense to average assets | 3.6433% | 1,331 |
| Loan and lease loss provision to assets | 0.3501% | 917 |
| Net operating income to assets | -0.0118% | 6,309 |
| Return on assets (ROA) | 0.9075% | 2,903 |
| Pretax return on assets | 0.9075% | 3,846 |
| Return on Equity (ROE) | 12.0615% | 1,457 |
| Retained earnings to average equity (ytd only) | 12.0615% | 415 |
| Net charge-offs to loans | 2.3022% | 146 |
| Credit loss provision to net charge-offs | 24.0828% | 3,996 |
| Earnings coverage of net charge-offs (x) | 0.2327% | 4,789 |
| Efficiency ratio | 88.8344% | 1,100 |
| Assets per employee ($millions) | 3.3168% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0384% | 1,636 |
| Loan loss allowance to noncurrent loans | 45.0799% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 5.6322% | 453 |
| Noncurrent loans to loans | 4.5218% | 711 |
| Net loans and leases to total assets | 62.8593% | 3,193 |
| Net loans and leases to deposits | 73.2498% | 3,355 |
| Net loans and leases to core deposits | 79.1886% | 3,210 |
| Total domestic deposits to total assets | 85.8149% | 3,350 |
| Equity capital to assets | 7.6285% | 6,339 |
| Core capital (leverage) ratio | 7.4092% | 6,480 |
| Tier 1 risk-based capital ratio | 10.5676% | 6,432 |
| Total risk-based capital ratio | 11.8252% | 6,401 |
| Memoranda: | ||
| Average total assets | $894,924,750 | 742 |
| Average earning assets | $754,458,250 | 805 |
| Average equity | $67,331,250 | 1,070 |
| Average total loans | $565,136,250 | 734 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6496% | 5,290 |
| Cost of funding earning assets | 0.4569% | 4,353 |
| Net interest margin | 3.1928% | 4,975 |
| Noninterest income to average assets | 1.2200% | 1,036 |
| Noninterest expense to average assets | 3.6332% | 1,361 |
| Loan and lease loss provision to assets | 0.3225% | 1,082 |
| Net operating income to assets | -0.0122% | 6,311 |
| Return on assets (ROA) | 1.3048% | 1,397 |
| Pretax return on assets | 1.3048% | 2,284 |
| Return on Equity (ROE) | 17.4220% | 517 |
| Retained earnings to average equity (ytd only) | 17.4220% | 142 |
| Net charge-offs to loans | 1.7496% | 274 |
| Credit loss provision to net charge-offs | 29.3463% | 3,603 |
| Earnings coverage of net charge-offs (x) | 0.2823% | 4,452 |
| Efficiency ratio | 89.4467% | 1,087 |
| Assets per employee ($millions) | 3.2799% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6968% | 793 |
| Loan loss allowance to noncurrent loans | 47.1135% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 6.6389% | 364 |
| Noncurrent loans to loans | 5.7241% | 524 |
| Net loans and leases to total assets | 62.9753% | 3,105 |
| Net loans and leases to deposits | 74.2385% | 3,118 |
| Net loans and leases to core deposits | 79.0397% | 3,161 |
| Total domestic deposits to total assets | 84.8282% | 3,981 |
| Equity capital to assets | 7.7874% | 6,320 |
| Core capital (leverage) ratio | 7.3192% | 6,524 |
| Tier 1 risk-based capital ratio | 10.3688% | 6,547 |
| Total risk-based capital ratio | 11.6339% | 6,512 |
| Memoranda: | ||
| Average total assets | $899,144,330 | 736 |
| Average earning assets | $766,978,000 | 788 |
| Average equity | $67,340,330 | 1,072 |
| Average total loans | $564,806,330 | 738 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6928% | 5,194 |
| Cost of funding earning assets | 0.4761% | 4,316 |
| Net interest margin | 3.2168% | 4,860 |
| Noninterest income to average assets | 1.2381% | 1,003 |
| Noninterest expense to average assets | 3.5526% | 1,514 |
| Loan and lease loss provision to assets | 0.2649% | 1,342 |
| Net operating income to assets | 0.1594% | 6,008 |
| Return on assets (ROA) | 0.1585% | 6,110 |
| Pretax return on assets | 0.1585% | 6,154 |
| Return on Equity (ROE) | 2.1585% | 5,885 |
| Retained earnings to average equity (ytd only) | 2.1585% | 4,921 |
| Net charge-offs to loans | 2.1833% | 208 |
| Credit loss provision to net charge-offs | 19.6078% | 3,039 |
| Earnings coverage of net charge-offs (x) | 0.3141% | 3,706 |
| Efficiency ratio | 86.6881% | 1,441 |
| Assets per employee ($millions) | 3.2669% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9607% | 686 |
| Loan loss allowance to noncurrent loans | 48.9781% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 6.4830% | 462 |
| Noncurrent loans to loans | 6.0450% | 548 |
| Net loans and leases to total assets | 59.2896% | 3,555 |
| Net loans and leases to deposits | 67.0296% | 3,910 |
| Net loans and leases to core deposits | 72.2294% | 3,791 |
| Total domestic deposits to total assets | 88.4529% | 2,035 |
| Equity capital to assets | 7.3449% | 6,637 |
| Core capital (leverage) ratio | 6.6110% | 6,728 |
| Tier 1 risk-based capital ratio | 9.3806% | 6,777 |
| Total risk-based capital ratio | 10.6474% | 6,769 |
| Memoranda: | ||
| Average total assets | $905,923,500 | 734 |
| Average earning assets | $771,331,500 | 795 |
| Average equity | $66,528,500 | 1,101 |
| Average total loans | $560,631,000 | 746 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8878% | 5,609 |
| Cost of funding earning assets | 0.6443% | 3,968 |
| Net interest margin | 3.2435% | 5,449 |
| Noninterest income to average assets | 1.3220% | 882 |
| Noninterest expense to average assets | 3.5364% | 1,743 |
| Loan and lease loss provision to assets | 1.0460% | 373 |
| Net operating income to assets | -0.3950% | 6,510 |
| Return on assets (ROA) | -0.2717% | 6,477 |
| Pretax return on assets | -0.3301% | 6,495 |
| Return on Equity (ROE) | -3.7508% | 6,538 |
| Retained earnings to average equity (ytd only) | -3.7508% | 6,338 |
| Net charge-offs to loans | 2.0982% | 338 |
| Credit loss provision to net charge-offs | 80.9809% | 3,794 |
| Earnings coverage of net charge-offs (x) | 0.4378% | 5,268 |
| Efficiency ratio | 83.7192% | 1,662 |
| Assets per employee ($millions) | 3.2156% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3574% | 490 |
| Loan loss allowance to noncurrent loans | 50.4970% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 7.4222% | 403 |
| Noncurrent loans to loans | 6.6487% | 491 |
| Net loans and leases to total assets | 60.5767% | 3,501 |
| Net loans and leases to deposits | 69.3567% | 3,785 |
| Net loans and leases to core deposits | 75.6946% | 3,575 |
| Total domestic deposits to total assets | 87.3408% | 2,622 |
| Equity capital to assets | 7.3426% | 6,685 |
| Core capital (leverage) ratio | 6.5824% | 6,779 |
| Tier 1 risk-based capital ratio | 9.1353% | 6,842 |
| Total risk-based capital ratio | 10.4064% | 6,836 |
| Memoranda: | ||
| Average total assets | $929,742,200 | 709 |
| Average earning assets | $796,843,200 | 749 |
| Average equity | $67,345,800 | 1,042 |
| Average total loans | $572,339,200 | 724 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9080% | 5,770 |
| Cost of funding earning assets | 0.6799% | 3,939 |
| Net interest margin | 3.2281% | 5,625 |
| Noninterest income to average assets | 1.2968% | 879 |
| Noninterest expense to average assets | 3.5119% | 1,730 |
| Loan and lease loss provision to assets | 1.2058% | 300 |
| Net operating income to assets | -0.5315% | 6,713 |
| Return on assets (ROA) | -0.3664% | 6,673 |
| Pretax return on assets | -0.4438% | 6,682 |
| Return on Equity (ROE) | -5.0747% | 6,717 |
| Retained earnings to average equity (ytd only) | -5.0747% | 6,620 |
| Net charge-offs to loans | 2.0051% | 359 |
| Credit loss provision to net charge-offs | 98.1243% | 3,049 |
| Earnings coverage of net charge-offs (x) | 0.4583% | 5,091 |
| Efficiency ratio | 83.6912% | 1,628 |
| Assets per employee ($millions) | 3.2307% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7170% | 387 |
| Loan loss allowance to noncurrent loans | 45.1468% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 8.3507% | 358 |
| Noncurrent loans to loans | 8.2331% | 368 |
| Net loans and leases to total assets | 60.5502% | 3,664 |
| Net loans and leases to deposits | 69.6233% | 3,946 |
| Net loans and leases to core deposits | 76.1851% | 3,700 |
| Total domestic deposits to total assets | 86.9684% | 2,688 |
| Equity capital to assets | 7.3141% | 6,815 |
| Core capital (leverage) ratio | 6.4023% | 6,901 |
| Tier 1 risk-based capital ratio | 9.1796% | 6,926 |
| Total risk-based capital ratio | 10.4551% | 6,927 |
| Memoranda: | ||
| Average total assets | $937,082,500 | 708 |
| Average earning assets | $806,526,750 | 743 |
| Average equity | $67,654,500 | 1,045 |
| Average total loans | $574,331,750 | 720 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8930% | 5,932 |
| Cost of funding earning assets | 0.7180% | 3,876 |
| Net interest margin | 3.1750% | 5,808 |
| Noninterest income to average assets | 1.2719% | 882 |
| Noninterest expense to average assets | 3.4654% | 1,868 |
| Loan and lease loss provision to assets | 0.5743% | 1,055 |
| Net operating income to assets | -0.0289% | 6,358 |
| Return on assets (ROA) | 0.1216% | 6,273 |
| Pretax return on assets | 0.1216% | 6,280 |
| Return on Equity (ROE) | 1.6913% | 6,134 |
| Retained earnings to average equity (ytd only) | 1.6913% | 5,351 |
| Net charge-offs to loans | 1.9843% | 426 |
| Credit loss provision to net charge-offs | 47.6149% | 4,096 |
| Earnings coverage of net charge-offs (x) | 0.4522% | 4,852 |
| Efficiency ratio | 83.9000% | 1,646 |
| Assets per employee ($millions) | 3.3453% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1804% | 656 |
| Loan loss allowance to noncurrent loans | 45.8256% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 7.3302% | 507 |
| Noncurrent loans to loans | 6.9403% | 564 |
| Net loans and leases to total assets | 60.1192% | 3,796 |
| Net loans and leases to deposits | 70.8191% | 3,785 |
| Net loans and leases to core deposits | 76.7126% | 3,691 |
| Total domestic deposits to total assets | 84.8912% | 3,904 |
| Equity capital to assets | 7.4743% | 6,802 |
| Core capital (leverage) ratio | 6.5501% | 6,917 |
| Tier 1 risk-based capital ratio | 9.3737% | 6,942 |
| Total risk-based capital ratio | 10.6428% | 6,940 |
| Memoranda: | ||
| Average total assets | $948,984,330 | 699 |
| Average earning assets | $818,641,330 | 737 |
| Average equity | $68,230,000 | 1,029 |
| Average total loans | $576,823,670 | 718 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8642% | 6,106 |
| Cost of funding earning assets | 0.7699% | 3,699 |
| Net interest margin | 3.0942% | 6,063 |
| Noninterest income to average assets | 1.2385% | 926 |
| Noninterest expense to average assets | 3.3378% | 2,177 |
| Loan and lease loss provision to assets | 0.5614% | 1,035 |
| Net operating income to assets | 0.0050% | 6,405 |
| Return on assets (ROA) | 0.0116% | 6,501 |
| Pretax return on assets | 0.0116% | 6,509 |
| Return on Equity (ROE) | 0.1651% | 6,495 |
| Retained earnings to average equity (ytd only) | 0.1651% | 5,928 |
| Net charge-offs to loans | 1.5514% | 647 |
| Credit loss provision to net charge-offs | 60.1604% | 3,108 |
| Earnings coverage of net charge-offs (x) | 0.6070% | 4,032 |
| Efficiency ratio | 82.9570% | 1,808 |
| Assets per employee ($millions) | 3.3997% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5730% | 513 |
| Loan loss allowance to noncurrent loans | 47.4666% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 7.9637% | 483 |
| Noncurrent loans to loans | 7.5273% | 556 |
| Net loans and leases to total assets | 57.2524% | 4,173 |
| Net loans and leases to deposits | 64.9372% | 4,496 |
| Net loans and leases to core deposits | 72.9464% | 4,027 |
| Total domestic deposits to total assets | 88.1658% | 2,208 |
| Equity capital to assets | 7.1399% | 6,896 |
| Core capital (leverage) ratio | 6.3425% | 6,990 |
| Tier 1 risk-based capital ratio | 9.1933% | 7,010 |
| Total risk-based capital ratio | 10.4661% | 7,009 |
| Memoranda: | ||
| Average total assets | $961,822,500 | 691 |
| Average earning assets | $828,641,000 | 728 |
| Average equity | $67,839,500 | 1,034 |
| Average total loans | $578,576,000 | 714 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 5,570 |
| Cost of funding earning assets | 1.0873% | 2,750 |
| Net interest margin | 3.2734% | 5,891 |
| Noninterest income to average assets | 1.0681% | 1,170 |
| Noninterest expense to average assets | 3.8382% | 1,277 |
| Loan and lease loss provision to assets | 1.1017% | 821 |
| Net operating income to assets | -0.9037% | 6,700 |
| Return on assets (ROA) | -0.8476% | 6,705 |
| Pretax return on assets | -0.9680% | 6,718 |
| Return on Equity (ROE) | -12.5234% | 6,815 |
| Retained earnings to average equity (ytd only) | -12.5234% | 6,788 |
| Net charge-offs to loans | 3.2453% | 265 |
| Credit loss provision to net charge-offs | 52.5307% | 5,362 |
| Earnings coverage of net charge-offs (x) | 0.0333% | 5,795 |
| Efficiency ratio | 95.6607% | 838 |
| Assets per employee ($millions) | 3.4710% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6113% | 500 |
| Loan loss allowance to noncurrent loans | 47.4745% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 7.7093% | 550 |
| Noncurrent loans to loans | 7.6068% | 545 |
| Net loans and leases to total assets | 58.7291% | 4,242 |
| Net loans and leases to deposits | 66.6217% | 4,648 |
| Net loans and leases to core deposits | 74.9605% | 4,109 |
| Total domestic deposits to total assets | 88.1531% | 2,057 |
| Equity capital to assets | 6.9671% | 6,973 |
| Core capital (leverage) ratio | 6.0616% | 7,050 |
| Tier 1 risk-based capital ratio | 9.0091% | 7,033 |
| Total risk-based capital ratio | 10.2832% | 7,033 |
| Memoranda: | ||
| Average total assets | $1,032,526,400 | 640 |
| Average earning assets | $895,831,600 | 659 |
| Average equity | $69,885,000 | 960 |
| Average total loans | $667,242,400 | 618 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4000% | 5,602 |
| Cost of funding earning assets | 1.1365% | 2,720 |
| Net interest margin | 3.2636% | 5,972 |
| Noninterest income to average assets | 0.9284% | 1,550 |
| Noninterest expense to average assets | 3.8364% | 1,255 |
| Loan and lease loss provision to assets | 1.2578% | 605 |
| Net operating income to assets | -1.1766% | 6,949 |
| Return on assets (ROA) | -1.1902% | 6,976 |
| Pretax return on assets | -1.3415% | 6,980 |
| Return on Equity (ROE) | -17.7044% | 7,065 |
| Retained earnings to average equity (ytd only) | -17.7044% | 7,048 |
| Net charge-offs to loans | 3.5118% | 218 |
| Credit loss provision to net charge-offs | 54.7052% | 4,934 |
| Earnings coverage of net charge-offs (x) | -0.0298% | 5,621 |
| Efficiency ratio | 99.1570% | 689 |
| Assets per employee ($millions) | 3.6051% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6657% | 501 |
| Loan loss allowance to noncurrent loans | 51.6368% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 7.7609% | 585 |
| Noncurrent loans to loans | 7.0991% | 694 |
| Net loans and leases to total assets | 60.9132% | 3,960 |
| Net loans and leases to deposits | 70.8726% | 4,157 |
| Net loans and leases to core deposits | 80.3920% | 3,582 |
| Total domestic deposits to total assets | 85.9475% | 3,245 |
| Equity capital to assets | 6.6183% | 7,118 |
| Core capital (leverage) ratio | 5.8543% | 7,154 |
| Tier 1 risk-based capital ratio | 8.2509% | 7,172 |
| Total risk-based capital ratio | 9.5256% | 7,170 |
| Memoranda: | ||
| Average total assets | $1,049,423,250 | 633 |
| Average earning assets | $913,090,000 | 657 |
| Average equity | $70,549,250 | 964 |
| Average total loans | $687,070,000 | 603 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 5,530 |
| Cost of funding earning assets | 1.1844% | 2,682 |
| Net interest margin | 3.2644% | 5,958 |
| Noninterest income to average assets | 0.9038% | 1,634 |
| Noninterest expense to average assets | 3.3789% | 2,321 |
| Loan and lease loss provision to assets | 1.4098% | 516 |
| Net operating income to assets | -0.9243% | 6,920 |
| Return on assets (ROA) | -0.9444% | 6,933 |
| Pretax return on assets | -1.0641% | 6,916 |
| Return on Equity (ROE) | -13.9796% | 7,036 |
| Retained earnings to average equity (ytd only) | -13.9796% | 7,003 |
| Net charge-offs to loans | 4.1622% | 189 |
| Credit loss provision to net charge-offs | 51.1841% | 4,550 |
| Earnings coverage of net charge-offs (x) | 0.1337% | 5,200 |
| Efficiency ratio | 87.4686% | 1,464 |
| Assets per employee ($millions) | 3.5258% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6145% | 553 |
| Loan loss allowance to noncurrent loans | 48.6741% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 8.4067% | 525 |
| Noncurrent loans to loans | 7.4259% | 649 |
| Net loans and leases to total assets | 63.7457% | 3,518 |
| Net loans and leases to deposits | 74.7828% | 3,676 |
| Net loans and leases to core deposits | 82.7718% | 3,393 |
| Total domestic deposits to total assets | 85.2411% | 3,758 |
| Equity capital to assets | 6.8933% | 7,127 |
| Core capital (leverage) ratio | 6.0164% | 7,187 |
| Tier 1 risk-based capital ratio | 8.3459% | 7,228 |
| Total risk-based capital ratio | 9.6200% | 7,228 |
| Memoranda: | ||
| Average total assets | $1,063,954,000 | 631 |
| Average earning assets | $926,732,000 | 652 |
| Average equity | $71,876,000 | 939 |
| Average total loans | $704,094,000 | 601 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4155% | 5,638 |
| Cost of funding earning assets | 1.2237% | 2,662 |
| Net interest margin | 3.1918% | 6,093 |
| Noninterest income to average assets | 0.9042% | 1,648 |
| Noninterest expense to average assets | 3.1608% | 3,023 |
| Loan and lease loss provision to assets | 1.5647% | 397 |
| Net operating income to assets | -0.9659% | 7,034 |
| Return on assets (ROA) | -1.1016% | 7,079 |
| Pretax return on assets | -1.1712% | 7,049 |
| Return on Equity (ROE) | -16.4635% | 7,173 |
| Retained earnings to average equity (ytd only) | -16.4635% | 7,078 |
| Net charge-offs to loans | 3.7108% | 264 |
| Credit loss provision to net charge-offs | 63.6990% | 3,472 |
| Earnings coverage of net charge-offs (x) | 0.2190% | 4,448 |
| Efficiency ratio | 82.6996% | 2,123 |
| Assets per employee ($millions) | 3.7180% | 4,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0626% | 408 |
| Loan loss allowance to noncurrent loans | 45.7929% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 8.6015% | 526 |
| Noncurrent loans to loans | 8.8717% | 513 |
| Net loans and leases to total assets | 64.1523% | 3,411 |
| Net loans and leases to deposits | 74.2379% | 3,724 |
| Net loans and leases to core deposits | 83.1892% | 3,282 |
| Total domestic deposits to total assets | 86.4145% | 3,284 |
| Equity capital to assets | 6.6847% | 7,169 |
| Core capital (leverage) ratio | 5.9979% | 7,250 |
| Tier 1 risk-based capital ratio | 8.1637% | 7,285 |
| Total risk-based capital ratio | 9.4433% | 7,285 |
| Memoranda: | ||
| Average total assets | $1,086,450,500 | 625 |
| Average earning assets | $951,193,000 | 644 |
| Average equity | $72,694,000 | 932 |
| Average total loans | $719,190,000 | 595 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 6,059 |
| Cost of funding earning assets | 1.5991% | 2,072 |
| Net interest margin | 3.0190% | 6,703 |
| Noninterest income to average assets | 0.7162% | 2,746 |
| Noninterest expense to average assets | 4.1904% | 912 |
| Loan and lease loss provision to assets | 2.8408% | 355 |
| Net operating income to assets | -5.0199% | 7,537 |
| Return on assets (ROA) | -5.2104% | 7,556 |
| Pretax return on assets | -3.8890% | 7,421 |
| Return on Equity (ROE) | -54.1258% | 7,443 |
| Retained earnings to average equity (ytd only) | -54.1258% | 7,441 |
| Net charge-offs to loans | 5.4828% | 131 |
| Credit loss provision to net charge-offs | 78.6399% | 5,607 |
| Earnings coverage of net charge-offs (x) | -0.2374% | 6,310 |
| Efficiency ratio | 83.5161% | 1,981 |
| Assets per employee ($millions) | 3.7744% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3622% | 293 |
| Loan loss allowance to noncurrent loans | 45.2166% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 8.6427% | 538 |
| Noncurrent loans to loans | 9.6474% | 446 |
| Net loans and leases to total assets | 62.6836% | 4,132 |
| Net loans and leases to deposits | 73.9554% | 4,198 |
| Net loans and leases to core deposits | 83.5021% | 3,664 |
| Total domestic deposits to total assets | 84.7587% | 3,968 |
| Equity capital to assets | 6.6970% | 7,208 |
| Core capital (leverage) ratio | 5.9566% | 7,307 |
| Tier 1 risk-based capital ratio | 8.4075% | 7,311 |
| Total risk-based capital ratio | 9.6903% | 7,316 |
| Memoranda: | ||
| Average total assets | $1,217,960,000 | 552 |
| Average earning assets | $1,055,587,200 | 571 |
| Average equity | $117,245,400 | 575 |
| Average total loans | $802,473,200 | 547 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6264% | 6,266 |
| Cost of funding earning assets | 1.6828% | 1,954 |
| Net interest margin | 2.9436% | 6,939 |
| Noninterest income to average assets | 0.7536% | 2,485 |
| Noninterest expense to average assets | 2.8210% | 4,398 |
| Loan and lease loss provision to assets | 2.5823% | 392 |
| Net operating income to assets | -2.4240% | 7,330 |
| Return on assets (ROA) | -2.6496% | 7,400 |
| Pretax return on assets | -2.3305% | 7,277 |
| Return on Equity (ROE) | -25.7898% | 7,326 |
| Retained earnings to average equity (ytd only) | -25.7898% | 7,317 |
| Net charge-offs to loans | 3.5126% | 380 |
| Credit loss provision to net charge-offs | 111.4495% | 3,799 |
| Earnings coverage of net charge-offs (x) | 0.2060% | 5,806 |
| Efficiency ratio | 82.3964% | 2,019 |
| Assets per employee ($millions) | 4.0531% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6715% | 120 |
| Loan loss allowance to noncurrent loans | 45.9027% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 10.1430% | 398 |
| Noncurrent loans to loans | 12.3554% | 265 |
| Net loans and leases to total assets | 61.3979% | 4,651 |
| Net loans and leases to deposits | 75.0923% | 4,333 |
| Net loans and leases to core deposits | 83.2324% | 4,062 |
| Total domestic deposits to total assets | 81.7632% | 5,093 |
| Equity capital to assets | 9.7181% | 4,519 |
| Core capital (leverage) ratio | 6.5233% | 7,328 |
| Tier 1 risk-based capital ratio | 9.1213% | 7,342 |
| Total risk-based capital ratio | 10.4197% | 7,345 |
| Memoranda: | ||
| Average total assets | $1,246,920,750 | 534 |
| Average earning assets | $1,077,938,000 | 558 |
| Average equity | $128,104,500 | 519 |
| Average total loans | $822,502,000 | 534 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7149% | 6,094 |
| Cost of funding earning assets | 1.7480% | 1,876 |
| Net interest margin | 2.9670% | 6,906 |
| Noninterest income to average assets | 0.7065% | 2,669 |
| Noninterest expense to average assets | 2.7897% | 4,531 |
| Loan and lease loss provision to assets | 2.6598% | 406 |
| Net operating income to assets | -1.2617% | 7,056 |
| Return on assets (ROA) | -1.5145% | 7,167 |
| Pretax return on assets | -2.5707% | 7,384 |
| Return on Equity (ROE) | -14.5000% | 7,128 |
| Retained earnings to average equity (ytd only) | -14.5000% | 7,087 |
| Net charge-offs to loans | 3.6668% | 385 |
| Credit loss provision to net charge-offs | 109.5198% | 3,725 |
| Earnings coverage of net charge-offs (x) | 0.1993% | 5,526 |
| Efficiency ratio | 82.0393% | 2,163 |
| Assets per employee ($millions) | 4.1271% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3456% | 141 |
| Loan loss allowance to noncurrent loans | 53.9380% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 7.7560% | 647 |
| Noncurrent loans to loans | 9.9107% | 448 |
| Net loans and leases to total assets | 61.4244% | 4,798 |
| Net loans and leases to deposits | 75.3050% | 4,459 |
| Net loans and leases to core deposits | 81.9486% | 4,425 |
| Total domestic deposits to total assets | 81.5674% | 5,172 |
| Equity capital to assets | 10.5917% | 3,293 |
| Core capital (leverage) ratio | 6.8626% | 7,256 |
| Tier 1 risk-based capital ratio | 9.8231% | 7,118 |
| Total risk-based capital ratio | 11.1182% | 7,076 |
| Memoranda: | ||
| Average total assets | $1,270,762,000 | 527 |
| Average earning assets | $1,099,573,670 | 547 |
| Average equity | $132,730,670 | 502 |
| Average total loans | $841,649,670 | 525 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7320% | 6,138 |
| Cost of funding earning assets | 1.7729% | 2,003 |
| Net interest margin | 2.9592% | 6,925 |
| Noninterest income to average assets | 0.3696% | 5,188 |
| Noninterest expense to average assets | 2.6634% | 5,091 |
| Loan and lease loss provision to assets | 2.8873% | 351 |
| Net operating income to assets | -1.5256% | 7,342 |
| Return on assets (ROA) | -1.8426% | 7,426 |
| Pretax return on assets | -3.1152% | 7,609 |
| Return on Equity (ROE) | -17.7589% | 7,390 |
| Retained earnings to average equity (ytd only) | -17.7589% | 7,304 |
| Net charge-offs to loans | 3.8859% | 347 |
| Credit loss provision to net charge-offs | 111.1243% | 3,110 |
| Earnings coverage of net charge-offs (x) | 0.1029% | 4,940 |
| Efficiency ratio | 87.3143% | 1,654 |
| Assets per employee ($millions) | 4.1658% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9425% | 184 |
| Loan loss allowance to noncurrent loans | 52.7939% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 7.3645% | 704 |
| Noncurrent loans to loans | 9.3619% | 486 |
| Net loans and leases to total assets | 62.7242% | 4,609 |
| Net loans and leases to deposits | 76.5490% | 4,310 |
| Net loans and leases to core deposits | 85.1585% | 4,018 |
| Total domestic deposits to total assets | 81.9400% | 5,098 |
| Equity capital to assets | 10.3507% | 3,408 |
| Core capital (leverage) ratio | 7.2299% | 7,083 |
| Tier 1 risk-based capital ratio | 9.6798% | 7,219 |
| Total risk-based capital ratio | 10.9575% | 7,199 |
| Memoranda: | ||
| Average total assets | $1,295,327,000 | 533 |
| Average earning assets | $1,121,132,000 | 553 |
| Average equity | $134,400,000 | 503 |
| Average total loans | $866,095,500 | 534 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3946% | 4,725 |
| Cost of funding earning assets | 1.9658% | 3,121 |
| Net interest margin | 3.4287% | 5,257 |
| Noninterest income to average assets | 0.9336% | 1,817 |
| Noninterest expense to average assets | 3.3700% | 2,776 |
| Loan and lease loss provision to assets | 3.8768% | 365 |
| Net operating income to assets | -2.1379% | 7,141 |
| Return on assets (ROA) | -2.7269% | 7,339 |
| Pretax return on assets | -4.2457% | 7,582 |
| Return on Equity (ROE) | -25.4693% | 7,300 |
| Retained earnings to average equity (ytd only) | -27.2085% | 7,319 |
| Net charge-offs to loans | 2.7523% | 816 |
| Credit loss provision to net charge-offs | 198.9793% | 1,973 |
| Earnings coverage of net charge-offs (x) | 0.2830% | 5,830 |
| Efficiency ratio | 66.9668% | 5,193 |
| Assets per employee ($millions) | 4.2872% | 3,289 |
| Cash dividends to net income (ytd only)* | -6.8285% | 7,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6196% | 226 |
| Loan loss allowance to noncurrent loans | 50.8629% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 7.3917% | 663 |
| Noncurrent loans to loans | 9.0825% | 492 |
| Net loans and leases to total assets | 64.5956% | 4,468 |
| Net loans and leases to deposits | 79.8100% | 4,034 |
| Net loans and leases to core deposits | 102.7161% | 3,720 |
| Total domestic deposits to total assets | 80.9367% | 5,361 |
| Equity capital to assets | 10.4004% | 3,285 |
| Core capital (leverage) ratio | 7.5985% | 6,685 |
| Tier 1 risk-based capital ratio | 9.8464% | 6,987 |
| Total risk-based capital ratio | 11.1315% | 6,942 |
| Memoranda: | ||
| Average total assets | $1,342,593,200 | 504 |
| Average earning assets | $1,169,881,600 | 520 |
| Average equity | $143,745,600 | 472 |
| Average total loans | $950,401,000 | 505 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4615% | 4,621 |
| Cost of funding earning assets | 2.0005% | 3,358 |
| Net interest margin | 3.4610% | 5,024 |
| Noninterest income to average assets | 0.9580% | 1,745 |
| Noninterest expense to average assets | 3.4297% | 2,480 |
| Loan and lease loss provision to assets | 2.9401% | 509 |
| Net operating income to assets | -1.6051% | 7,158 |
| Return on assets (ROA) | -2.1870% | 7,374 |
| Pretax return on assets | -3.2608% | 7,563 |
| Return on Equity (ROE) | -20.2864% | 7,382 |
| Retained earnings to average equity (ytd only) | -22.5744% | 7,425 |
| Net charge-offs to loans | 2.3245% | 809 |
| Credit loss provision to net charge-offs | 176.8277% | 2,613 |
| Earnings coverage of net charge-offs (x) | 0.3295% | 5,697 |
| Efficiency ratio | 62.3307% | 6,053 |
| Assets per employee ($millions) | 4.2871% | 3,223 |
| Cash dividends to net income (ytd only)* | -11.2785% | 7,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0341% | 653 |
| Loan loss allowance to noncurrent loans | 36.6581% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 6.7688% | 723 |
| Noncurrent loans to loans | 8.2769% | 574 |
| Net loans and leases to total assets | 67.0306% | 4,178 |
| Net loans and leases to deposits | 83.0174% | 3,830 |
| Net loans and leases to core deposits | 108.0452% | 3,467 |
| Total domestic deposits to total assets | 80.7428% | 5,179 |
| Equity capital to assets | 10.6117% | 3,388 |
| Core capital (leverage) ratio | 8.6916% | 5,144 |
| Tier 1 risk-based capital ratio | 10.7818% | 6,183 |
| Total risk-based capital ratio | 12.0493% | 6,121 |
| Memoranda: | ||
| Average total assets | $1,351,344,500 | 516 |
| Average earning assets | $1,178,964,250 | 529 |
| Average equity | $145,683,500 | 470 |
| Average total loans | $966,613,000 | 507 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5556% | 4,312 |
| Cost of funding earning assets | 2.0418% | 3,564 |
| Net interest margin | 3.5138% | 4,739 |
| Noninterest income to average assets | 0.9729% | 1,682 |
| Noninterest expense to average assets | 3.8572% | 1,563 |
| Loan and lease loss provision to assets | 2.2542% | 711 |
| Net operating income to assets | -1.4860% | 7,238 |
| Return on assets (ROA) | -2.0877% | 7,446 |
| Pretax return on assets | -2.9005% | 7,548 |
| Return on Equity (ROE) | -19.2666% | 7,483 |
| Retained earnings to average equity (ytd only) | -22.6661% | 7,536 |
| Net charge-offs to loans | 0.6974% | 2,309 |
| Credit loss provision to net charge-offs | 446.9471% | 1,043 |
| Earnings coverage of net charge-offs (x) | 0.3757% | 5,306 |
| Efficiency ratio | 61.6043% | 6,298 |
| Assets per employee ($millions) | 4.2507% | 3,201 |
| Cash dividends to net income (ytd only)* | -17.6442% | 7,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8184% | 665 |
| Loan loss allowance to noncurrent loans | 40.0441% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 6.1673% | 777 |
| Noncurrent loans to loans | 7.0381% | 689 |
| Net loans and leases to total assets | 70.8331% | 3,506 |
| Net loans and leases to deposits | 87.5203% | 3,257 |
| Net loans and leases to core deposits | 107.5151% | 3,662 |
| Total domestic deposits to total assets | 80.9334% | 5,103 |
| Equity capital to assets | 10.3597% | 3,553 |
| Core capital (leverage) ratio | 8.6821% | 5,121 |
| Tier 1 risk-based capital ratio | 10.6467% | 6,234 |
| Total risk-based capital ratio | 11.9121% | 6,158 |
| Memoranda: | ||
| Average total assets | $1,357,363,670 | 526 |
| Average earning assets | $1,187,385,000 | 536 |
| Average equity | $147,083,330 | 475 |
| Average total loans | $981,592,330 | 514 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6105% | 4,292 |
| Cost of funding earning assets | 2.0449% | 3,900 |
| Net interest margin | 3.5656% | 4,461 |
| Noninterest income to average assets | 0.9112% | 1,807 |
| Noninterest expense to average assets | 2.4340% | 6,080 |
| Loan and lease loss provision to assets | 0.6471% | 1,959 |
| Net operating income to assets | 0.7142% | 3,481 |
| Return on assets (ROA) | 0.4549% | 4,807 |
| Pretax return on assets | 0.6086% | 4,730 |
| Return on Equity (ROE) | 4.1123% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.1123% | 3,612 |
| Net charge-offs to loans | 0.4996% | 2,212 |
| Credit loss provision to net charge-offs | 179.8069% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.4497% | 2,882 |
| Efficiency ratio | 57.3438% | 6,778 |
| Assets per employee ($millions) | 4.4494% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6240% | 2,423 |
| Loan loss allowance to noncurrent loans | 103.9745% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 2.0623% | 2,804 |
| Noncurrent loans to loans | 1.5619% | 3,940 |
| Net loans and leases to total assets | 70.9991% | 3,467 |
| Net loans and leases to deposits | 88.8113% | 3,140 |
| Net loans and leases to core deposits | 115.6790% | 2,832 |
| Total domestic deposits to total assets | 79.9438% | 5,393 |
| Equity capital to assets | 11.1919% | 2,819 |
| Core capital (leverage) ratio | 9.1894% | 4,422 |
| Tier 1 risk-based capital ratio | 10.7113% | 6,176 |
| Total risk-based capital ratio | 11.9628% | 6,080 |
| Memoranda: | ||
| Average total assets | $1,381,443,500 | 516 |
| Average earning assets | $1,210,448,500 | 530 |
| Average equity | $152,810,000 | 457 |
| Average total loans | $995,266,500 | 513 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1007% | 5,040 |
| Cost of funding earning assets | 2.6291% | 3,534 |
| Net interest margin | 3.4716% | 5,395 |
| Noninterest income to average assets | 1.0913% | 1,321 |
| Noninterest expense to average assets | 2.4705% | 6,132 |
| Loan and lease loss provision to assets | 0.5900% | 2,464 |
| Net operating income to assets | 0.7308% | 3,753 |
| Return on assets (ROA) | 0.6371% | 4,007 |
| Pretax return on assets | 0.9387% | 3,591 |
| Return on Equity (ROE) | 5.7046% | 4,066 |
| Retained earnings to average equity (ytd only) | 0.1301% | 5,156 |
| Net charge-offs to loans | 0.3852% | 2,896 |
| Credit loss provision to net charge-offs | 211.6261% | 2,284 |
| Earnings coverage of net charge-offs (x) | 5.9775% | 3,477 |
| Efficiency ratio | 55.1173% | 7,138 |
| Assets per employee ($millions) | 4.6103% | 2,463 |
| Cash dividends to net income (ytd only)* | 97.7200% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 2,726 |
| Loan loss allowance to noncurrent loans | 145.5515% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 1.6494% | 2,942 |
| Noncurrent loans to loans | 1.0270% | 4,534 |
| Net loans and leases to total assets | 70.8473% | 3,827 |
| Net loans and leases to deposits | 94.2362% | 2,724 |
| Net loans and leases to core deposits | 125.4316% | 2,214 |
| Total domestic deposits to total assets | 75.1806% | 6,413 |
| Equity capital to assets | 10.9342% | 3,095 |
| Core capital (leverage) ratio | 9.3880% | 4,174 |
| Tier 1 risk-based capital ratio | 11.4764% | 5,260 |
| Total risk-based capital ratio | 12.7259% | 5,154 |
| Memoranda: | ||
| Average total assets | $1,369,871,000 | 504 |
| Average earning assets | $1,201,763,800 | 517 |
| Average equity | $152,999,000 | 460 |
| Average total loans | $991,446,800 | 497 |