Home > CertusBank > Performance and Condition Ratios
CertusBank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6974% | 4,428 |
| Cost of funding earning assets | 0.7052% | 815 |
| Net interest margin | 2.9922% | 5,211 |
| Noninterest income to average assets | 0.0984% | 5,973 |
| Noninterest expense to average assets | 13.8716% | 56 |
| Loan and lease loss provision to assets | -0.3398% | 6,167 |
| Net operating income to assets | -10.9132% | 6,269 |
| Return on assets (ROA) | -8.7198% | 6,267 |
| Pretax return on assets | -8.7198% | 6,267 |
| Return on Equity (ROE) | -233.6128% | 6,269 |
| Retained earnings to average equity (ytd only) | -233.6128% | 6,269 |
| Net charge-offs to loans | 0.8516% | 230 |
| Credit loss provision to net charge-offs | -73.9315% | 5,011 |
| Earnings coverage of net charge-offs (x) | -24.4817% | 4,156 |
| Efficiency ratio | 526.3119% | 6 |
| Assets per employee ($millions) | 3.6547% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,212 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 2.7972% | 571 |
| Noncurrent loans to loans | 5.3128% | 181 |
| Net loans and leases to total assets | 44.2827% | 5,344 |
| Net loans and leases to deposits | 46.0225% | 5,648 |
| Net loans and leases to core deposits | 47.5129% | 5,672 |
| Total domestic deposits to total assets | 96.2198% | 7 |
| Equity capital to assets | 0.0936% | 6,270 |
| Core capital (leverage) ratio | 0.0762% | 6,270 |
| Tier 1 risk-based capital ratio | 0.1687% | 6,270 |
| Total risk-based capital ratio | 0.1687% | 6,270 |
| Memoranda: | ||
| Average total assets | $1,228,436,750 | 576 |
| Average earning assets | $1,034,616,750 | 630 |
| Average equity | $45,852,500 | 1,616 |
| Average total loans | $663,022,750 | 713 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7554% | 4,222 |
| Cost of funding earning assets | 0.7448% | 668 |
| Net interest margin | 3.0106% | 5,201 |
| Noninterest income to average assets | 0.5684% | 2,917 |
| Noninterest expense to average assets | 9.8156% | 81 |
| Loan and lease loss provision to assets | -0.4654% | 6,269 |
| Net operating income to assets | -6.2855% | 6,343 |
| Return on assets (ROA) | -3.1150% | 6,326 |
| Pretax return on assets | -3.1150% | 6,324 |
| Return on Equity (ROE) | -68.8661% | 6,336 |
| Retained earnings to average equity (ytd only) | -68.8661% | 6,334 |
| Net charge-offs to loans | 1.0197% | 202 |
| Credit loss provision to net charge-offs | -81.3881% | 4,871 |
| Earnings coverage of net charge-offs (x) | -11.8061% | 3,848 |
| Efficiency ratio | 317.1986% | 9 |
| Assets per employee ($millions) | 4.1383% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2950% | 84 |
| Loan loss allowance to noncurrent loans | 37.7458% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 6.5878% | 135 |
| Noncurrent loans to loans | 11.3788% | 35 |
| Net loans and leases to total assets | 44.7722% | 5,326 |
| Net loans and leases to deposits | 48.7716% | 5,566 |
| Net loans and leases to core deposits | 51.1081% | 5,571 |
| Total domestic deposits to total assets | 91.7997% | 149 |
| Equity capital to assets | 4.8859% | 6,303 |
| Core capital (leverage) ratio | 4.5369% | 6,309 |
| Tier 1 risk-based capital ratio | 8.6341% | 6,274 |
| Total risk-based capital ratio | 9.9123% | 6,272 |
| Memoranda: | ||
| Average total assets | $1,345,536,000 | 528 |
| Average earning assets | $1,115,672,330 | 578 |
| Average equity | $60,863,000 | 1,255 |
| Average total loans | $754,556,670 | 619 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8167% | 832 |
| Cost of funding earning assets | 0.8272% | 431 |
| Net interest margin | 3.9894% | 1,593 |
| Noninterest income to average assets | 0.8407% | 1,572 |
| Noninterest expense to average assets | 12.9144% | 60 |
| Loan and lease loss provision to assets | 0.7048% | 127 |
| Net operating income to assets | -9.4824% | 6,416 |
| Return on assets (ROA) | -9.4234% | 6,416 |
| Pretax return on assets | -9.4234% | 6,415 |
| Return on Equity (ROE) | -215.5316% | 6,414 |
| Retained earnings to average equity (ytd only) | -215.5316% | 6,414 |
| Net charge-offs to loans | 0.5180% | 481 |
| Credit loss provision to net charge-offs | 226.9439% | 968 |
| Earnings coverage of net charge-offs (x) | -28.2622% | 3,267 |
| Efficiency ratio | 308.8854% | 8 |
| Assets per employee ($millions) | 3.7320% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0009% | 127 |
| Loan loss allowance to noncurrent loans | 58.0337% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 6.0633% | 167 |
| Noncurrent loans to loans | 6.8940% | 132 |
| Net loans and leases to total assets | 59.4078% | 3,743 |
| Net loans and leases to deposits | 63.3838% | 4,444 |
| Net loans and leases to core deposits | 66.2437% | 4,495 |
| Total domestic deposits to total assets | 93.7271% | 35 |
| Equity capital to assets | 3.3855% | 6,399 |
| Core capital (leverage) ratio | 2.6584% | 6,407 |
| Tier 1 risk-based capital ratio | 3.9603% | 6,408 |
| Total risk-based capital ratio | 5.2412% | 6,407 |
| Memoranda: | ||
| Average total assets | $1,424,455,000 | 503 |
| Average earning assets | $1,176,912,000 | 549 |
| Average equity | $62,279,500 | 1,227 |
| Average total loans | $854,024,000 | 546 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 547 |
| Cost of funding earning assets | 0.6704% | 1,264 |
| Net interest margin | 4.5026% | 746 |
| Noninterest income to average assets | 0.6459% | 2,576 |
| Noninterest expense to average assets | 7.5652% | 120 |
| Loan and lease loss provision to assets | 0.6251% | 216 |
| Net operating income to assets | -3.8921% | 6,486 |
| Return on assets (ROA) | -4.4754% | 6,492 |
| Pretax return on assets | -4.4754% | 6,494 |
| Return on Equity (ROE) | -59.6806% | 6,491 |
| Retained earnings to average equity (ytd only) | -59.6806% | 6,490 |
| Net charge-offs to loans | 1.3363% | 190 |
| Credit loss provision to net charge-offs | 75.9851% | 2,951 |
| Earnings coverage of net charge-offs (x) | -3.9712% | 4,875 |
| Efficiency ratio | 172.3757% | 34 |
| Assets per employee ($millions) | 3.4092% | 5,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8106% | 151 |
| Loan loss allowance to noncurrent loans | 76.6971% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 4.7697% | 305 |
| Noncurrent loans to loans | 4.9684% | 299 |
| Net loans and leases to total assets | 55.9606% | 4,342 |
| Net loans and leases to deposits | 60.7879% | 4,832 |
| Net loans and leases to core deposits | 63.0765% | 4,913 |
| Total domestic deposits to total assets | 92.0588% | 143 |
| Equity capital to assets | 5.2809% | 6,451 |
| Core capital (leverage) ratio | 4.6423% | 6,466 |
| Tier 1 risk-based capital ratio | 6.9673% | 6,464 |
| Total risk-based capital ratio | 8.2428% | 6,464 |
| Memoranda: | ||
| Average total assets | $1,564,074,800 | 447 |
| Average earning assets | $1,268,705,200 | 492 |
| Average equity | $117,287,600 | 617 |
| Average total loans | $962,871,800 | 470 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4256% | 356 |
| Cost of funding earning assets | 0.6245% | 1,643 |
| Net interest margin | 4.8011% | 424 |
| Noninterest income to average assets | 1.4474% | 602 |
| Noninterest expense to average assets | 8.1565% | 102 |
| Loan and lease loss provision to assets | 0.5289% | 277 |
| Net operating income to assets | -3.3563% | 6,561 |
| Return on assets (ROA) | -3.2830% | 6,560 |
| Pretax return on assets | -3.2830% | 6,560 |
| Return on Equity (ROE) | -40.9457% | 6,562 |
| Retained earnings to average equity (ytd only) | -40.9457% | 6,559 |
| Net charge-offs to loans | 1.6737% | 129 |
| Credit loss provision to net charge-offs | 50.6814% | 3,088 |
| Earnings coverage of net charge-offs (x) | -2.7092% | 4,586 |
| Efficiency ratio | 149.1125% | 58 |
| Assets per employee ($millions) | 3.0083% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9028% | 396 |
| Loan loss allowance to noncurrent loans | 55.6989% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 6.1051% | 225 |
| Noncurrent loans to loans | 5.2115% | 326 |
| Net loans and leases to total assets | 60.4779% | 3,707 |
| Net loans and leases to deposits | 67.2353% | 4,217 |
| Net loans and leases to core deposits | 69.8588% | 4,333 |
| Total domestic deposits to total assets | 89.9496% | 751 |
| Equity capital to assets | 6.9437% | 6,392 |
| Core capital (leverage) ratio | 6.3723% | 6,445 |
| Tier 1 risk-based capital ratio | 8.6431% | 6,496 |
| Total risk-based capital ratio | 9.9090% | 6,499 |
| Memoranda: | ||
| Average total assets | $1,584,340,500 | 440 |
| Average earning assets | $1,280,971,500 | 490 |
| Average equity | $127,030,250 | 565 |
| Average total loans | $987,894,750 | 456 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4870% | 314 |
| Cost of funding earning assets | 0.5610% | 2,250 |
| Net interest margin | 4.9260% | 329 |
| Noninterest income to average assets | 1.5718% | 505 |
| Noninterest expense to average assets | 8.4190% | 100 |
| Loan and lease loss provision to assets | 0.2611% | 810 |
| Net operating income to assets | -3.1238% | 6,628 |
| Return on assets (ROA) | -3.0146% | 6,627 |
| Pretax return on assets | -3.0146% | 6,624 |
| Return on Equity (ROE) | -36.0365% | 6,622 |
| Retained earnings to average equity (ytd only) | -36.0365% | 6,606 |
| Net charge-offs to loans | 0.3608% | 1,133 |
| Credit loss provision to net charge-offs | 116.0356% | 1,753 |
| Earnings coverage of net charge-offs (x) | -12.7194% | 4,327 |
| Efficiency ratio | 147.5091% | 59 |
| Assets per employee ($millions) | 2.8537% | 5,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2715% | 284 |
| Loan loss allowance to noncurrent loans | 56.8417% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 7.3410% | 165 |
| Noncurrent loans to loans | 5.7554% | 291 |
| Net loans and leases to total assets | 62.6648% | 3,291 |
| Net loans and leases to deposits | 72.4644% | 3,510 |
| Net loans and leases to core deposits | 75.0177% | 3,734 |
| Total domestic deposits to total assets | 86.4767% | 2,774 |
| Equity capital to assets | 7.8801% | 6,221 |
| Core capital (leverage) ratio | 7.4278% | 6,335 |
| Tier 1 risk-based capital ratio | 9.4502% | 6,497 |
| Total risk-based capital ratio | 10.7202% | 6,483 |
| Memoranda: | ||
| Average total assets | $1,596,029,330 | 441 |
| Average earning assets | $1,291,018,000 | 488 |
| Average equity | $133,514,670 | 544 |
| Average total loans | $995,533,330 | 452 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4172% | 335 |
| Cost of funding earning assets | 0.5246% | 2,664 |
| Net interest margin | 4.8926% | 325 |
| Noninterest income to average assets | 1.9795% | 341 |
| Noninterest expense to average assets | 8.0787% | 111 |
| Loan and lease loss provision to assets | 0.2990% | 648 |
| Net operating income to assets | -2.4428% | 6,675 |
| Return on assets (ROA) | -2.2410% | 6,666 |
| Pretax return on assets | -2.2410% | 6,657 |
| Return on Equity (ROE) | -26.0576% | 6,652 |
| Retained earnings to average equity (ytd only) | -26.0576% | 6,594 |
| Net charge-offs to loans | 0.5828% | 634 |
| Credit loss provision to net charge-offs | 83.8082% | 1,857 |
| Earnings coverage of net charge-offs (x) | -6.0097% | 3,583 |
| Efficiency ratio | 132.8850% | 107 |
| Assets per employee ($millions) | 2.4779% | 6,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2502% | 348 |
| Loan loss allowance to noncurrent loans | 47.8644% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 8.5648% | 147 |
| Noncurrent loans to loans | 6.7904% | 237 |
| Net loans and leases to total assets | 61.6872% | 3,286 |
| Net loans and leases to deposits | 69.3056% | 3,694 |
| Net loans and leases to core deposits | 71.4008% | 3,932 |
| Total domestic deposits to total assets | 89.0075% | 1,658 |
| Equity capital to assets | 8.6328% | 5,513 |
| Core capital (leverage) ratio | 8.0842% | 6,055 |
| Tier 1 risk-based capital ratio | 10.6323% | 6,294 |
| Total risk-based capital ratio | 11.9016% | 6,254 |
| Memoranda: | ||
| Average total assets | $1,613,566,500 | 436 |
| Average earning assets | $1,304,507,500 | 480 |
| Average equity | $138,769,500 | 529 |
| Average total loans | $987,674,000 | 454 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 748 |
| Cost of funding earning assets | 0.5957% | 2,706 |
| Net interest margin | 4.5213% | 708 |
| Noninterest income to average assets | 1.0027% | 1,388 |
| Noninterest expense to average assets | 8.4238% | 103 |
| Loan and lease loss provision to assets | 1.5680% | 80 |
| Net operating income to assets | -4.3416% | 6,793 |
| Return on assets (ROA) | -4.3097% | 6,793 |
| Pretax return on assets | -5.3123% | 6,800 |
| Return on Equity (ROE) | -37.5614% | 6,750 |
| Retained earnings to average equity (ytd only) | -37.5614% | 6,747 |
| Net charge-offs to loans | 1.5725% | 294 |
| Credit loss provision to net charge-offs | 185.6777% | 1,230 |
| Earnings coverage of net charge-offs (x) | -4.4805% | 5,381 |
| Efficiency ratio | 176.6767% | 40 |
| Assets per employee ($millions) | 2.4002% | 6,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3662% | 323 |
| Loan loss allowance to noncurrent loans | 39.4927% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 9.0458% | 151 |
| Noncurrent loans to loans | 8.5236% | 167 |
| Net loans and leases to total assets | 56.8138% | 4,218 |
| Net loans and leases to deposits | 64.0218% | 4,503 |
| Net loans and leases to core deposits | 66.2812% | 4,674 |
| Total domestic deposits to total assets | 88.7413% | 1,785 |
| Equity capital to assets | 8.5692% | 5,506 |
| Core capital (leverage) ratio | 8.0421% | 6,104 |
| Tier 1 risk-based capital ratio | 11.4566% | 5,928 |
| Total risk-based capital ratio | 12.7266% | 5,859 |
| Memoranda: | ||
| Average total assets | $1,756,103,600 | 394 |
| Average earning assets | $1,412,811,400 | 436 |
| Average equity | $201,488,800 | 383 |
| Average total loans | $943,060,400 | 452 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0823% | 795 |
| Cost of funding earning assets | 0.6213% | 2,638 |
| Net interest margin | 4.4609% | 787 |
| Noninterest income to average assets | 1.9960% | 420 |
| Noninterest expense to average assets | 8.2488% | 110 |
| Loan and lease loss provision to assets | 0.6555% | 339 |
| Net operating income to assets | -2.0762% | 6,809 |
| Return on assets (ROA) | -2.0106% | 6,808 |
| Pretax return on assets | -3.2236% | 6,849 |
| Return on Equity (ROE) | -16.5494% | 6,747 |
| Retained earnings to average equity (ytd only) | -16.5494% | 6,724 |
| Net charge-offs to loans | 1.0672% | 531 |
| Credit loss provision to net charge-offs | 116.9627% | 2,014 |
| Earnings coverage of net charge-offs (x) | -4.7651% | 5,139 |
| Efficiency ratio | 144.3508% | 88 |
| Assets per employee ($millions) | 2.5904% | 6,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9669% | 568 |
| Loan loss allowance to noncurrent loans | 25.7556% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 10.8918% | 114 |
| Noncurrent loans to loans | 11.5195% | 95 |
| Net loans and leases to total assets | 56.6048% | 4,231 |
| Net loans and leases to deposits | 66.2741% | 4,269 |
| Net loans and leases to core deposits | 68.7310% | 4,464 |
| Total domestic deposits to total assets | 85.4102% | 3,536 |
| Equity capital to assets | 11.2654% | 2,499 |
| Core capital (leverage) ratio | 10.5404% | 2,964 |
| Tier 1 risk-based capital ratio | 16.1579% | 3,102 |
| Total risk-based capital ratio | 17.4253% | 3,054 |
| Memoranda: | ||
| Average total assets | $1,781,088,500 | 391 |
| Average earning assets | $1,430,213,500 | 434 |
| Average equity | $216,381,000 | 356 |
| Average total loans | $935,399,000 | 454 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0556% | 836 |
| Cost of funding earning assets | 0.6581% | 2,422 |
| Net interest margin | 4.3975% | 855 |
| Noninterest income to average assets | 2.2015% | 389 |
| Noninterest expense to average assets | 8.3708% | 110 |
| Loan and lease loss provision to assets | 0.3263% | 1,061 |
| Net operating income to assets | -1.8468% | 6,839 |
| Return on assets (ROA) | -1.7597% | 6,837 |
| Pretax return on assets | -2.8382% | 6,889 |
| Return on Equity (ROE) | -14.1525% | 6,788 |
| Retained earnings to average equity (ytd only) | -14.1525% | 6,744 |
| Net charge-offs to loans | 1.3258% | 429 |
| Credit loss provision to net charge-offs | 48.5980% | 3,243 |
| Earnings coverage of net charge-offs (x) | -3.9441% | 4,813 |
| Efficiency ratio | 142.8407% | 88 |
| Assets per employee ($millions) | 2.7099% | 6,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1084% | 1,618 |
| Loan loss allowance to noncurrent loans | 18.5872% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 11.1645% | 122 |
| Noncurrent loans to loans | 11.3432% | 106 |
| Net loans and leases to total assets | 54.7298% | 4,489 |
| Net loans and leases to deposits | 64.1225% | 4,484 |
| Net loans and leases to core deposits | 66.4844% | 4,643 |
| Total domestic deposits to total assets | 85.3520% | 3,722 |
| Equity capital to assets | 11.5727% | 2,240 |
| Core capital (leverage) ratio | 10.9983% | 2,354 |
| Tier 1 risk-based capital ratio | 18.3855% | 2,180 |
| Total risk-based capital ratio | 19.6420% | 2,143 |
| Memoranda: | ||
| Average total assets | $1,795,407,670 | 381 |
| Average earning assets | $1,437,680,330 | 433 |
| Average equity | $223,239,000 | 341 |
| Average total loans | $909,215,670 | 462 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9279% | 1,010 |
| Cost of funding earning assets | 0.7011% | 2,196 |
| Net interest margin | 4.2268% | 1,124 |
| Noninterest income to average assets | 1.4680% | 718 |
| Noninterest expense to average assets | 7.9994% | 122 |
| Loan and lease loss provision to assets | 0.1184% | 2,751 |
| Net operating income to assets | -2.0381% | 6,928 |
| Return on assets (ROA) | -1.9402% | 6,926 |
| Pretax return on assets | -3.1296% | 6,969 |
| Return on Equity (ROE) | -15.0800% | 6,867 |
| Retained earnings to average equity (ytd only) | -15.0800% | 6,744 |
| Net charge-offs to loans | 2.0957% | 217 |
| Credit loss provision to net charge-offs | 11.7738% | 3,129 |
| Earnings coverage of net charge-offs (x) | -3.1457% | 4,050 |
| Efficiency ratio | 161.1421% | 69 |
| Assets per employee ($millions) | 2.4716% | 6,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0934% | 1,813 |
| Loan loss allowance to noncurrent loans | 15.2998% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 13.2744% | 106 |
| Noncurrent loans to loans | 13.6828% | 99 |
| Net loans and leases to total assets | 51.0552% | 4,833 |
| Net loans and leases to deposits | 60.7561% | 4,711 |
| Net loans and leases to core deposits | 63.2015% | 4,825 |
| Total domestic deposits to total assets | 84.0330% | 4,466 |
| Equity capital to assets | 12.8322% | 1,508 |
| Core capital (leverage) ratio | 11.6326% | 1,796 |
| Tier 1 risk-based capital ratio | 21.2641% | 1,477 |
| Total risk-based capital ratio | 22.5185% | 1,453 |
| Memoranda: | ||
| Average total assets | $1,793,440,500 | 390 |
| Average earning assets | $1,428,695,500 | 439 |
| Average equity | $230,742,000 | 343 |
| Average total loans | $860,830,000 | 480 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4859% | 3,459 |
| Cost of funding earning assets | 0.7589% | 3,022 |
| Net interest margin | 3.7270% | 3,535 |
| Noninterest income to average assets | 2.5960% | 303 |
| Noninterest expense to average assets | 6.5705% | 173 |
| Loan and lease loss provision to assets | 1.1205% | 330 |
| Net operating income to assets | -1.2778% | 6,816 |
| Return on assets (ROA) | -1.1131% | 6,787 |
| Pretax return on assets | -1.8344% | 6,907 |
| Return on Equity (ROE) | -8.1286% | 6,684 |
| Retained earnings to average equity (ytd only) | -8.1286% | 6,579 |
| Net charge-offs to loans | 0.5928% | 1,955 |
| Credit loss provision to net charge-offs | 460.4229% | 524 |
| Earnings coverage of net charge-offs (x) | -3.9910% | 5,894 |
| Efficiency ratio | 114.7622% | 261 |
| Assets per employee ($millions) | 2.7401% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7053% | 917 |
| Loan loss allowance to noncurrent loans | 15.7436% | 6,478 |
| Noncurrent assets plus other real estate owned to assets | 13.5541% | 101 |
| Noncurrent loans to loans | 17.1833% | 51 |
| Net loans and leases to total assets | 42.7916% | 5,918 |
| Net loans and leases to deposits | 51.0361% | 5,882 |
| Net loans and leases to core deposits | 55.2327% | 5,775 |
| Total domestic deposits to total assets | 83.8458% | 4,386 |
| Equity capital to assets | 12.8985% | 1,492 |
| Core capital (leverage) ratio | 12.6304% | 1,263 |
| Tier 1 risk-based capital ratio | 27.6322% | 647 |
| Total risk-based capital ratio | 28.9010% | 634 |
| Memoranda: | ||
| Average total assets | $1,787,858,800 | 387 |
| Average earning assets | $1,440,709,000 | 419 |
| Average equity | $244,814,800 | 317 |
| Average total loans | $733,923,800 | 562 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5244% | 3,539 |
| Cost of funding earning assets | 0.8082% | 2,875 |
| Net interest margin | 3.7162% | 3,724 |
| Noninterest income to average assets | 1.5974% | 583 |
| Noninterest expense to average assets | 6.1325% | 202 |
| Loan and lease loss provision to assets | 0.7601% | 643 |
| Net operating income to assets | -1.4907% | 6,968 |
| Return on assets (ROA) | -1.2722% | 6,943 |
| Pretax return on assets | -1.9573% | 7,026 |
| Return on Equity (ROE) | -9.1550% | 6,848 |
| Retained earnings to average equity (ytd only) | -9.1550% | 6,796 |
| Net charge-offs to loans | 0.4792% | 2,181 |
| Credit loss provision to net charge-offs | 393.5972% | 684 |
| Earnings coverage of net charge-offs (x) | -7.9402% | 5,736 |
| Efficiency ratio | 130.2578% | 147 |
| Assets per employee ($millions) | 3.1124% | 5,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9425% | 2,353 |
| Loan loss allowance to noncurrent loans | 7.6077% | 6,664 |
| Noncurrent assets plus other real estate owned to assets | 16.3910% | 71 |
| Noncurrent loans to loans | 25.5329% | 16 |
| Net loans and leases to total assets | 40.3663% | 6,251 |
| Net loans and leases to deposits | 48.7593% | 6,212 |
| Net loans and leases to core deposits | 52.3284% | 6,164 |
| Total domestic deposits to total assets | 82.7868% | 4,727 |
| Equity capital to assets | 14.0027% | 1,155 |
| Core capital (leverage) ratio | 13.3342% | 1,061 |
| Tier 1 risk-based capital ratio | 32.0900% | 441 |
| Total risk-based capital ratio | 33.3493% | 433 |
| Memoranda: | ||
| Average total assets | $1,779,289,250 | 388 |
| Average earning assets | $1,437,237,500 | 423 |
| Average equity | $247,261,250 | 315 |
| Average total loans | $717,054,250 | 575 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7424% | 2,748 |
| Cost of funding earning assets | 0.8485% | 2,806 |
| Net interest margin | 3.8939% | 2,934 |
| Noninterest income to average assets | 1.3549% | 782 |
| Noninterest expense to average assets | 5.8161% | 236 |
| Loan and lease loss provision to assets | 0.7013% | 783 |
| Net operating income to assets | -1.2927% | 6,978 |
| Return on assets (ROA) | -1.1473% | 6,960 |
| Pretax return on assets | -1.7652% | 7,044 |
| Return on Equity (ROE) | -8.2760% | 6,871 |
| Retained earnings to average equity (ytd only) | -8.2760% | 6,781 |
| Net charge-offs to loans | 0.3064% | 2,806 |
| Credit loss provision to net charge-offs | 571.8412% | 544 |
| Earnings coverage of net charge-offs (x) | -10.4991% | 5,468 |
| Efficiency ratio | 125.2676% | 195 |
| Assets per employee ($millions) | 3.5515% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 3,628 |
| Loan loss allowance to noncurrent loans | 5.5596% | 6,717 |
| Noncurrent assets plus other real estate owned to assets | 16.5699% | 75 |
| Noncurrent loans to loans | 28.6682% | 9 |
| Net loans and leases to total assets | 39.2678% | 6,388 |
| Net loans and leases to deposits | 47.4168% | 6,343 |
| Net loans and leases to core deposits | 50.4896% | 6,318 |
| Total domestic deposits to total assets | 82.8141% | 4,819 |
| Equity capital to assets | 13.8872% | 1,149 |
| Core capital (leverage) ratio | 13.3434% | 1,038 |
| Tier 1 risk-based capital ratio | 37.0574% | 304 |
| Total risk-based capital ratio | 38.3152% | 293 |
| Memoranda: | ||
| Average total assets | $1,806,964,330 | 386 |
| Average earning assets | $1,472,724,000 | 413 |
| Average equity | $250,507,670 | 313 |
| Average total loans | $723,311,330 | 570 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 3,632 |
| Cost of funding earning assets | 0.7393% | 3,950 |
| Net interest margin | 3.8333% | 3,224 |
| Noninterest income to average assets | 1.6443% | 541 |
| Noninterest expense to average assets | 5.3454% | 293 |
| Loan and lease loss provision to assets | 1.2101% | 314 |
| Net operating income to assets | -1.0839% | 7,011 |
| Return on assets (ROA) | -0.9226% | 7,001 |
| Pretax return on assets | -1.5377% | 7,081 |
| Return on Equity (ROE) | -6.6603% | 6,910 |
| Retained earnings to average equity (ytd only) | -6.6603% | 6,700 |
| Net charge-offs to loans | 0.4765% | 1,898 |
| Credit loss provision to net charge-offs | 633.4479% | 539 |
| Earnings coverage of net charge-offs (x) | -3.0344% | 4,644 |
| Efficiency ratio | 108.9953% | 353 |
| Assets per employee ($millions) | 3.6456% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 4,250 |
| Loan loss allowance to noncurrent loans | 5.2478% | 6,782 |
| Noncurrent assets plus other real estate owned to assets | 15.9349% | 91 |
| Noncurrent loans to loans | 28.2173% | 14 |
| Net loans and leases to total assets | 38.7360% | 6,440 |
| Net loans and leases to deposits | 47.7612% | 6,299 |
| Net loans and leases to core deposits | 49.9334% | 6,348 |
| Total domestic deposits to total assets | 81.1035% | 5,576 |
| Equity capital to assets | 13.6926% | 1,147 |
| Core capital (leverage) ratio | 13.5095% | 948 |
| Tier 1 risk-based capital ratio | 40.6281% | 221 |
| Total risk-based capital ratio | 41.8488% | 216 |
| Memoranda: | ||
| Average total assets | $1,827,896,500 | 381 |
| Average earning assets | $1,488,421,500 | 410 |
| Average equity | $253,200,000 | 304 |
| Average total loans | $732,796,000 | 558 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 6,208 |
| Cost of funding earning assets | 0.7167% | 5,422 |
| Net interest margin | 3.4219% | 5,421 |
| Noninterest income to average assets | 8.6871% | 70 |
| Noninterest expense to average assets | 4.5241% | 580 |
| Loan and lease loss provision to assets | 0.4414% | 2,388 |
| Net operating income to assets | 4.0872% | 51 |
| Return on assets (ROA) | 4.0852% | 52 |
| Pretax return on assets | 6.5637% | 47 |
| Return on Equity (ROE) | 29.3360% | 47 |
| Retained earnings to average equity (ytd only) | 29.3360% | 13 |
| Net charge-offs to loans | 0.0657% | 5,649 |
| Credit loss provision to net charge-offs | 1,534.9282% | 144 |
| Earnings coverage of net charge-offs (x) | 243.6818% | 137 |
| Efficiency ratio | 38.1462% | 7,231 |
| Assets per employee ($millions) | 4.0303% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8040% | 6,726 |
| Loan loss allowance to noncurrent loans | 3.4874% | 6,859 |
| Noncurrent assets plus other real estate owned to assets | 13.8515% | 157 |
| Noncurrent loans to loans | 23.0541% | 31 |
| Net loans and leases to total assets | 40.5342% | 6,508 |
| Net loans and leases to deposits | 50.8033% | 6,305 |
| Net loans and leases to core deposits | 53.0631% | 6,364 |
| Total domestic deposits to total assets | 79.7866% | 5,802 |
| Equity capital to assets | 14.0117% | 1,055 |
| Core capital (leverage) ratio | 13.5886% | 932 |
| Tier 1 risk-based capital ratio | 43.4484% | 181 |
| Total risk-based capital ratio | 44.5135% | 182 |
| Memoranda: | ||
| Average total assets | $1,453,410,250 | 461 |
| Average earning assets | $1,208,513,000 | 490 |
| Average equity | $202,393,250 | 348 |
| Average total loans | $636,096,500 | 645 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8992% | 6,730 |
| Cost of funding earning assets | 0.7523% | 5,459 |
| Net interest margin | 3.1469% | 6,295 |
| Noninterest income to average assets | 11.0500% | 59 |
| Noninterest expense to average assets | 3.6131% | 1,684 |
| Loan and lease loss provision to assets | 0.2123% | 3,898 |
| Net operating income to assets | 6.2224% | 33 |
| Return on assets (ROA) | 6.2167% | 34 |
| Pretax return on assets | 9.8677% | 28 |
| Return on Equity (ROE) | 44.7700% | 17 |
| Retained earnings to average equity (ytd only) | 44.7700% | 10 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.8985% | 7,379 |
| Assets per employee ($millions) | 4.4512% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2687% | 7,303 |
| Loan loss allowance to noncurrent loans | 1.3231% | 6,953 |
| Noncurrent assets plus other real estate owned to assets | 13.5463% | 173 |
| Noncurrent loans to loans | 20.3091% | 52 |
| Net loans and leases to total assets | 43.1578% | 6,412 |
| Net loans and leases to deposits | 53.0514% | 6,282 |
| Net loans and leases to core deposits | 56.3494% | 6,290 |
| Total domestic deposits to total assets | 81.3509% | 5,311 |
| Equity capital to assets | 14.1591% | 1,095 |
| Core capital (leverage) ratio | 13.7761% | 964 |
| Tier 1 risk-based capital ratio | 43.4349% | 197 |
| Total risk-based capital ratio | 43.8031% | 206 |
| Memoranda: | ||
| Average total assets | $1,329,308,330 | 499 |
| Average earning assets | $1,120,275,330 | 527 |
| Average equity | $184,586,330 | 384 |
| Average total loans | $599,449,330 | 706 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9505% | 7,349 |
| Cost of funding earning assets | 0.6850% | 6,041 |
| Net interest margin | 2.2655% | 7,290 |
| Noninterest income to average assets | 19.4334% | 37 |
| Noninterest expense to average assets | 2.9846% | 3,700 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 11.0090% | 16 |
| Return on assets (ROA) | 10.9963% | 17 |
| Pretax return on assets | 18.3427% | 12 |
| Return on Equity (ROE) | 80.5211% | 8 |
| Retained earnings to average equity (ytd only) | 80.5211% | 6 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.9131% | 7,490 |
| Assets per employee ($millions) | 4.4931% | 2,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,447 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,014 |
| Noncurrent assets plus other real estate owned to assets | 10.8943% | 319 |
| Noncurrent loans to loans | 13.6327% | 176 |
| Net loans and leases to total assets | 45.3442% | 6,320 |
| Net loans and leases to deposits | 56.7935% | 6,068 |
| Net loans and leases to core deposits | 61.0651% | 5,994 |
| Total domestic deposits to total assets | 79.8404% | 5,872 |
| Equity capital to assets | 13.8398% | 1,153 |
| Core capital (leverage) ratio | 23.9348% | 126 |
| Tier 1 risk-based capital ratio | 37.2000% | 298 |
| Total risk-based capital ratio | 37.2000% | 317 |
| Memoranda: | ||
| Average total assets | $1,083,690,500 | 620 |
| Average earning assets | $915,382,500 | 661 |
| Average equity | $147,993,500 | 479 |
| Average total loans | $505,262,500 | 855 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 5,215 |
| Cost of funding earning assets | 1.3092% | 2,127 |
| Net interest margin | 3.2279% | 5,987 |
| Noninterest income to average assets | 5.6452% | 122 |
| Noninterest expense to average assets | 3.1847% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 3.3401% | 96 |
| Return on assets (ROA) | 3.2539% | 105 |
| Pretax return on assets | 5.2302% | 71 |
| Return on Equity (ROE) | 25.7538% | 149 |
| Retained earnings to average equity (ytd only) | 25.7538% | 94 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9945% | 7,430 |
| Assets per employee ($millions) | 3.6633% | 4,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 11.2360% | 321 |
| Noncurrent loans to loans | 15.8460% | 130 |
| Net loans and leases to total assets | 53.7592% | 5,335 |
| Net loans and leases to deposits | 61.9698% | 5,499 |
| Net loans and leases to core deposits | 62.9653% | 5,828 |
| Total domestic deposits to total assets | 86.7506% | 3,090 |
| Equity capital to assets | 12.6346% | 1,558 |
| Core capital (leverage) ratio | 12.3433% | 1,394 |
| Tier 1 risk-based capital ratio | 32.5514% | 415 |
| Total risk-based capital ratio | 32.5514% | 453 |
| Memoranda: | ||
| Average total assets | $329,698,000 | 1,983 |
| Average earning assets | $296,665,000 | 2,019 |
| Average equity | $41,656,000 | 1,601 |
| Average total loans | $177,243,000 | 2,344 |