Home > Community & Southern Bank > Performance and Condition Ratios
Community & Southern Bank, Performance and Condition Ratios
| 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 | 4.7220% | 1,002 |
| Cost of funding earning assets | 0.5144% | 1,986 |
| Net interest margin | 4.2076% | 1,096 |
| Noninterest income to average assets | 0.7448% | 1,951 |
| Noninterest expense to average assets | 2.3079% | 4,589 |
| Loan and lease loss provision to assets | 0.3410% | 479 |
| Net operating income to assets | 1.2544% | 1,407 |
| Return on assets (ROA) | 1.2544% | 1,528 |
| Pretax return on assets | 1.9639% | 612 |
| Return on Equity (ROE) | 10.8231% | 1,708 |
| Retained earnings to average equity (ytd only) | 10.8231% | 458 |
| Net charge-offs to loans | 0.3797% | 605 |
| Credit loss provision to net charge-offs | 116.4425% | 1,905 |
| Earnings coverage of net charge-offs (x) | 7.8710% | 2,578 |
| Efficiency ratio | 47.5991% | 5,690 |
| Assets per employee ($millions) | 7.6530% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 2,490 |
| Loan loss allowance to noncurrent loans | 203.1774% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.6969% | 2,890 |
| Noncurrent loans to loans | 0.6690% | 3,065 |
| Net loans and leases to total assets | 77.9111% | 1,221 |
| Net loans and leases to deposits | 93.3160% | 1,365 |
| Net loans and leases to core deposits | 98.3321% | 1,777 |
| Total domestic deposits to total assets | 83.4918% | 3,468 |
| Equity capital to assets | 12.2904% | 1,912 |
| Core capital (leverage) ratio | 10.8927% | 2,538 |
| Tier 1 risk-based capital ratio | 11.7925% | 4,978 |
| Total risk-based capital ratio | 13.0377% | 4,862 |
| Memoranda: | ||
| Average total assets | $4,062,460,330 | 232 |
| Average earning assets | $3,734,563,000 | 227 |
| Average equity | $470,825,670 | 233 |
| Average total loans | $3,132,655,330 | 222 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7723% | 906 |
| Cost of funding earning assets | 0.5326% | 1,852 |
| Net interest margin | 4.2397% | 1,015 |
| Noninterest income to average assets | 1.0084% | 1,059 |
| Noninterest expense to average assets | 2.5102% | 4,040 |
| Loan and lease loss provision to assets | 0.2864% | 570 |
| Net operating income to assets | 1.3409% | 1,147 |
| Return on assets (ROA) | 1.3409% | 1,228 |
| Pretax return on assets | 2.1079% | 455 |
| Return on Equity (ROE) | 11.9154% | 1,339 |
| Retained earnings to average equity (ytd only) | 11.9154% | 518 |
| Net charge-offs to loans | 0.5632% | 390 |
| Credit loss provision to net charge-offs | 66.7195% | 1,924 |
| Earnings coverage of net charge-offs (x) | 5.5783% | 2,321 |
| Efficiency ratio | 48.8714% | 5,685 |
| Assets per employee ($millions) | 7.1645% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 3,019 |
| Loan loss allowance to noncurrent loans | 130.7561% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.9441% | 2,347 |
| Noncurrent loans to loans | 0.9764% | 2,432 |
| Net loans and leases to total assets | 75.9071% | 1,408 |
| Net loans and leases to deposits | 86.3348% | 2,030 |
| Net loans and leases to core deposits | 92.9839% | 2,089 |
| Total domestic deposits to total assets | 87.9219% | 1,686 |
| Equity capital to assets | 11.6008% | 2,348 |
| Core capital (leverage) ratio | 10.2180% | 3,297 |
| Tier 1 risk-based capital ratio | 11.1915% | 5,399 |
| Total risk-based capital ratio | 12.3713% | 5,347 |
| Memoranda: | ||
| Average total assets | $4,119,208,000 | 231 |
| Average earning assets | $3,785,261,000 | 227 |
| Average equity | $463,567,500 | 233 |
| Average total loans | $3,139,443,500 | 218 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7278% | 1,052 |
| Cost of funding earning assets | 0.5292% | 1,933 |
| Net interest margin | 4.1986% | 1,179 |
| Noninterest income to average assets | 0.6235% | 2,597 |
| Noninterest expense to average assets | 3.2547% | 1,824 |
| Loan and lease loss provision to assets | 0.2602% | 721 |
| Net operating income to assets | 0.6247% | 4,164 |
| Return on assets (ROA) | 0.6371% | 4,183 |
| Pretax return on assets | 0.9506% | 3,655 |
| Return on Equity (ROE) | 5.6477% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.6477% | 1,985 |
| Net charge-offs to loans | 0.2286% | 1,301 |
| Credit loss provision to net charge-offs | 154.8569% | 1,723 |
| Earnings coverage of net charge-offs (x) | 7.0945% | 3,118 |
| Efficiency ratio | 70.9936% | 3,071 |
| Assets per employee ($millions) | 7.0303% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 2,815 |
| Loan loss allowance to noncurrent loans | 100.2760% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.1896% | 1,823 |
| Noncurrent loans to loans | 1.3112% | 1,799 |
| Net loans and leases to total assets | 74.5634% | 1,637 |
| Net loans and leases to deposits | 84.2230% | 2,333 |
| Net loans and leases to core deposits | 91.3748% | 2,287 |
| Total domestic deposits to total assets | 88.5309% | 1,366 |
| Equity capital to assets | 10.9151% | 2,913 |
| Core capital (leverage) ratio | 9.6883% | 3,924 |
| Tier 1 risk-based capital ratio | 10.6512% | 5,701 |
| Total risk-based capital ratio | 11.8795% | 5,631 |
| Memoranda: | ||
| Average total assets | $3,804,286,200 | 234 |
| Average earning assets | $3,464,308,400 | 231 |
| Average equity | $429,182,600 | 235 |
| Average total loans | $2,797,167,200 | 223 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6296% | 1,261 |
| Cost of funding earning assets | 0.5090% | 2,128 |
| Net interest margin | 4.1206% | 1,353 |
| Noninterest income to average assets | 0.5951% | 2,769 |
| Noninterest expense to average assets | 2.9853% | 2,571 |
| Loan and lease loss provision to assets | 0.3575% | 371 |
| Net operating income to assets | 0.6646% | 4,055 |
| Return on assets (ROA) | 0.6679% | 4,159 |
| Pretax return on assets | 0.9990% | 3,620 |
| Return on Equity (ROE) | 5.8670% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.8670% | 2,327 |
| Net charge-offs to loans | 0.1157% | 1,970 |
| Credit loss provision to net charge-offs | 423.4794% | 729 |
| Earnings coverage of net charge-offs (x) | 16.0106% | 2,144 |
| Efficiency ratio | 66.6197% | 3,781 |
| Assets per employee ($millions) | 7.1935% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5837% | 1,845 |
| Loan loss allowance to noncurrent loans | 102.5483% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.3622% | 1,701 |
| Noncurrent loans to loans | 1.5443% | 1,618 |
| Net loans and leases to total assets | 73.3553% | 1,848 |
| Net loans and leases to deposits | 89.7851% | 1,679 |
| Net loans and leases to core deposits | 100.1664% | 1,498 |
| Total domestic deposits to total assets | 81.7010% | 4,254 |
| Equity capital to assets | 11.3618% | 2,631 |
| Core capital (leverage) ratio | 10.5660% | 2,964 |
| Tier 1 risk-based capital ratio | 11.6290% | 5,306 |
| Total risk-based capital ratio | 12.8818% | 5,231 |
| Memoranda: | ||
| Average total assets | $3,713,118,500 | 242 |
| Average earning assets | $3,371,707,000 | 240 |
| Average equity | $422,716,750 | 239 |
| Average total loans | $2,708,976,250 | 232 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 1,260 |
| Cost of funding earning assets | 0.4891% | 2,360 |
| Net interest margin | 4.1206% | 1,303 |
| Noninterest income to average assets | 0.5660% | 2,939 |
| Noninterest expense to average assets | 2.9738% | 2,635 |
| Loan and lease loss provision to assets | 0.4808% | 212 |
| Net operating income to assets | 0.5878% | 4,404 |
| Return on assets (ROA) | 0.5878% | 4,497 |
| Pretax return on assets | 0.8501% | 4,130 |
| Return on Equity (ROE) | 5.1600% | 4,544 |
| Retained earnings to average equity (ytd only) | 5.1600% | 2,759 |
| Net charge-offs to loans | 0.0310% | 3,040 |
| Credit loss provision to net charge-offs | 2,144.0389% | 184 |
| Earnings coverage of net charge-offs (x) | 59.3504% | 845 |
| Efficiency ratio | 66.8619% | 3,857 |
| Assets per employee ($millions) | 6.6924% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6621% | 1,708 |
| Loan loss allowance to noncurrent loans | 102.6010% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.4825% | 1,665 |
| Noncurrent loans to loans | 1.6199% | 1,616 |
| Net loans and leases to total assets | 72.3361% | 1,928 |
| Net loans and leases to deposits | 89.0969% | 1,706 |
| Net loans and leases to core deposits | 99.2255% | 1,553 |
| Total domestic deposits to total assets | 81.1881% | 4,553 |
| Equity capital to assets | 11.2844% | 2,584 |
| Core capital (leverage) ratio | 10.6829% | 2,750 |
| Tier 1 risk-based capital ratio | 11.3862% | 5,534 |
| Total risk-based capital ratio | 12.6402% | 5,457 |
| Memoranda: | ||
| Average total assets | $3,665,585,330 | 246 |
| Average earning assets | $3,325,896,670 | 243 |
| Average equity | $417,596,000 | 242 |
| Average total loans | $2,654,005,670 | 236 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 913 |
| Cost of funding earning assets | 0.5008% | 2,269 |
| Net interest margin | 4.2664% | 947 |
| Noninterest income to average assets | 0.7291% | 2,028 |
| Noninterest expense to average assets | 3.1287% | 2,181 |
| Loan and lease loss provision to assets | 0.5105% | 200 |
| Net operating income to assets | 0.6905% | 3,844 |
| Return on assets (ROA) | 0.6905% | 3,972 |
| Pretax return on assets | 0.9543% | 3,672 |
| Return on Equity (ROE) | 6.0625% | 4,001 |
| Retained earnings to average equity (ytd only) | 6.0625% | 2,460 |
| Net charge-offs to loans | 0.1428% | 1,394 |
| Credit loss provision to net charge-offs | 495.6130% | 562 |
| Earnings coverage of net charge-offs (x) | 14.2216% | 1,682 |
| Efficiency ratio | 65.9142% | 4,174 |
| Assets per employee ($millions) | 6.1830% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6199% | 1,974 |
| Loan loss allowance to noncurrent loans | 82.1540% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 1.6991% | 1,476 |
| Noncurrent loans to loans | 1.9717% | 1,329 |
| Net loans and leases to total assets | 71.7674% | 1,845 |
| Net loans and leases to deposits | 87.2916% | 1,700 |
| Net loans and leases to core deposits | 94.5710% | 1,724 |
| Total domestic deposits to total assets | 82.2156% | 4,452 |
| Equity capital to assets | 11.3462% | 2,602 |
| Core capital (leverage) ratio | 10.7804% | 2,649 |
| Tier 1 risk-based capital ratio | 11.9054% | 5,303 |
| Total risk-based capital ratio | 13.1581% | 5,193 |
| Memoranda: | ||
| Average total assets | $3,452,432,500 | 255 |
| Average earning assets | $3,127,109,500 | 253 |
| Average equity | $393,239,500 | 254 |
| Average total loans | $2,490,849,000 | 244 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3682% | 404 |
| Cost of funding earning assets | 0.5061% | 2,611 |
| Net interest margin | 4.8621% | 384 |
| Noninterest income to average assets | 0.6226% | 2,722 |
| Noninterest expense to average assets | 4.4704% | 475 |
| Loan and lease loss provision to assets | 0.3578% | 527 |
| Net operating income to assets | 0.1697% | 5,826 |
| Return on assets (ROA) | 0.2110% | 5,805 |
| Pretax return on assets | 0.1673% | 5,919 |
| Return on Equity (ROE) | 1.7681% | 5,827 |
| Retained earnings to average equity (ytd only) | 1.7681% | 4,932 |
| Net charge-offs to loans | 0.1912% | 2,134 |
| Credit loss provision to net charge-offs | 273.9387% | 931 |
| Earnings coverage of net charge-offs (x) | 3.7040% | 3,825 |
| Efficiency ratio | 88.3336% | 963 |
| Assets per employee ($millions) | 5.8808% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5638% | 2,217 |
| Loan loss allowance to noncurrent loans | 85.1241% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.7328% | 1,536 |
| Noncurrent loans to loans | 1.8370% | 1,555 |
| Net loans and leases to total assets | 70.2058% | 2,203 |
| Net loans and leases to deposits | 82.8301% | 2,360 |
| Net loans and leases to core deposits | 89.4391% | 2,338 |
| Total domestic deposits to total assets | 84.7588% | 3,388 |
| Equity capital to assets | 11.4356% | 2,487 |
| Core capital (leverage) ratio | 10.4707% | 2,981 |
| Tier 1 risk-based capital ratio | 13.4723% | 4,430 |
| Total risk-based capital ratio | 14.7262% | 4,367 |
| Memoranda: | ||
| Average total assets | $3,246,349,200 | 254 |
| Average earning assets | $2,892,146,600 | 255 |
| Average equity | $387,360,200 | 239 |
| Average total loans | $2,218,012,200 | 250 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3647% | 401 |
| Cost of funding earning assets | 0.4833% | 2,924 |
| Net interest margin | 4.8813% | 356 |
| Noninterest income to average assets | 0.7211% | 2,219 |
| Noninterest expense to average assets | 4.5257% | 450 |
| Loan and lease loss provision to assets | 0.3419% | 523 |
| Net operating income to assets | 0.2014% | 5,847 |
| Return on assets (ROA) | 0.2102% | 5,882 |
| Pretax return on assets | 0.1902% | 5,965 |
| Return on Equity (ROE) | 1.7425% | 5,895 |
| Retained earnings to average equity (ytd only) | 1.7425% | 5,179 |
| Net charge-offs to loans | 0.2723% | 1,442 |
| Credit loss provision to net charge-offs | 185.8983% | 1,351 |
| Earnings coverage of net charge-offs (x) | 2.8454% | 3,811 |
| Efficiency ratio | 87.8777% | 1,015 |
| Assets per employee ($millions) | 5.6021% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 2,956 |
| Loan loss allowance to noncurrent loans | 83.7137% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 2.0020% | 1,434 |
| Noncurrent loans to loans | 1.7286% | 1,878 |
| Net loans and leases to total assets | 69.6861% | 2,245 |
| Net loans and leases to deposits | 83.1045% | 2,275 |
| Net loans and leases to core deposits | 90.0419% | 2,221 |
| Total domestic deposits to total assets | 83.8536% | 3,814 |
| Equity capital to assets | 11.5077% | 2,478 |
| Core capital (leverage) ratio | 10.7345% | 2,781 |
| Tier 1 risk-based capital ratio | 13.7959% | 4,361 |
| Total risk-based capital ratio | 15.0489% | 4,288 |
| Memoranda: | ||
| Average total assets | $3,208,164,250 | 254 |
| Average earning assets | $2,844,394,500 | 256 |
| Average equity | $387,023,750 | 237 |
| Average total loans | $2,166,448,250 | 251 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6666% | 233 |
| Cost of funding earning assets | 0.4884% | 2,939 |
| Net interest margin | 5.1782% | 210 |
| Noninterest income to average assets | 0.6668% | 2,447 |
| Noninterest expense to average assets | 4.8720% | 335 |
| Loan and lease loss provision to assets | 0.2594% | 820 |
| Net operating income to assets | 0.0759% | 6,091 |
| Return on assets (ROA) | 0.0796% | 6,107 |
| Pretax return on assets | 0.1130% | 6,074 |
| Return on Equity (ROE) | 0.6414% | 6,118 |
| Retained earnings to average equity (ytd only) | 0.6414% | 5,476 |
| Net charge-offs to loans | -0.0653% | 5,988 |
| Credit loss provision to net charge-offs | -594.1985% | 5,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2990% | 817 |
| Assets per employee ($millions) | 5.5877% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6515% | 2,287 |
| Loan loss allowance to noncurrent loans | 97.1773% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 2.2892% | 1,310 |
| Noncurrent loans to loans | 1.6995% | 2,041 |
| Net loans and leases to total assets | 68.3492% | 2,363 |
| Net loans and leases to deposits | 83.5088% | 2,083 |
| Net loans and leases to core deposits | 90.5621% | 2,071 |
| Total domestic deposits to total assets | 81.8467% | 4,699 |
| Equity capital to assets | 11.8368% | 2,113 |
| Core capital (leverage) ratio | 10.9313% | 2,493 |
| Tier 1 risk-based capital ratio | 14.6449% | 3,840 |
| Total risk-based capital ratio | 15.9006% | 3,786 |
| Memoranda: | ||
| Average total assets | $3,001,039,000 | 264 |
| Average earning assets | $2,649,813,330 | 269 |
| Average equity | $372,609,000 | 245 |
| Average total loans | $2,005,206,000 | 263 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1717% | 116 |
| Cost of funding earning assets | 0.5086% | 2,812 |
| Net interest margin | 5.6631% | 104 |
| Noninterest income to average assets | 0.7695% | 1,875 |
| Noninterest expense to average assets | 5.4727% | 245 |
| Loan and lease loss provision to assets | 0.1865% | 1,280 |
| Net operating income to assets | 0.0500% | 6,127 |
| Return on assets (ROA) | 0.0487% | 6,152 |
| Pretax return on assets | 0.0652% | 6,129 |
| Return on Equity (ROE) | 0.3825% | 6,163 |
| Retained earnings to average equity (ytd only) | 0.3825% | 5,419 |
| Net charge-offs to loans | 0.0463% | 2,738 |
| Credit loss provision to net charge-offs | 617.9245% | 455 |
| Earnings coverage of net charge-offs (x) | 8.3962% | 2,028 |
| Efficiency ratio | 94.0157% | 751 |
| Assets per employee ($millions) | 5.3101% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 2,451 |
| Loan loss allowance to noncurrent loans | 86.3676% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 2.7295% | 1,113 |
| Noncurrent loans to loans | 1.9304% | 1,949 |
| Net loans and leases to total assets | 66.2933% | 2,512 |
| Net loans and leases to deposits | 81.9040% | 2,052 |
| Net loans and leases to core deposits | 86.0040% | 2,318 |
| Total domestic deposits to total assets | 80.9402% | 5,253 |
| Equity capital to assets | 12.7426% | 1,436 |
| Core capital (leverage) ratio | 12.1677% | 1,558 |
| Tier 1 risk-based capital ratio | 16.5461% | 2,875 |
| Total risk-based capital ratio | 17.8027% | 2,845 |
| Memoranda: | ||
| Average total assets | $2,809,724,000 | 277 |
| Average earning assets | $2,459,232,500 | 275 |
| Average equity | $357,601,000 | 250 |
| Average total loans | $1,830,978,000 | 276 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2082% | 124 |
| Cost of funding earning assets | 0.6189% | 2,490 |
| Net interest margin | 5.5893% | 115 |
| Noninterest income to average assets | 0.6517% | 2,799 |
| Noninterest expense to average assets | 4.7202% | 435 |
| Loan and lease loss provision to assets | -0.0104% | 6,275 |
| Net operating income to assets | 0.4250% | 5,056 |
| Return on assets (ROA) | 0.4989% | 4,875 |
| Pretax return on assets | 0.6511% | 4,698 |
| Return on Equity (ROE) | 3.7471% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.7471% | 3,552 |
| Net charge-offs to loans | -0.0164% | 6,103 |
| Credit loss provision to net charge-offs | 103.7736% | 2,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9920% | 1,216 |
| Assets per employee ($millions) | 5.3127% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 2,301 |
| Loan loss allowance to noncurrent loans | 75.3523% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 3.1484% | 979 |
| Noncurrent loans to loans | 2.2964% | 1,680 |
| Net loans and leases to total assets | 61.8183% | 3,394 |
| Net loans and leases to deposits | 75.4443% | 3,037 |
| Net loans and leases to core deposits | 79.4224% | 3,194 |
| Total domestic deposits to total assets | 81.9390% | 4,896 |
| Equity capital to assets | 12.7119% | 1,417 |
| Core capital (leverage) ratio | 12.2505% | 1,468 |
| Tier 1 risk-based capital ratio | 17.6311% | 2,369 |
| Total risk-based capital ratio | 18.8895% | 2,342 |
| Memoranda: | ||
| Average total assets | $2,638,371,600 | 283 |
| Average earning assets | $2,177,597,400 | 299 |
| Average equity | $351,260,000 | 241 |
| Average total loans | $1,619,537,000 | 295 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3809% | 105 |
| Cost of funding earning assets | 0.6378% | 2,473 |
| Net interest margin | 5.7431% | 102 |
| Noninterest income to average assets | 0.6309% | 2,985 |
| Noninterest expense to average assets | 4.7039% | 437 |
| Loan and lease loss provision to assets | -0.1188% | 6,648 |
| Net operating income to assets | 0.4832% | 4,877 |
| Return on assets (ROA) | 0.5560% | 4,703 |
| Pretax return on assets | 0.8236% | 4,207 |
| Return on Equity (ROE) | 4.1257% | 5,157 |
| Retained earnings to average equity (ytd only) | 4.1257% | 3,745 |
| Net charge-offs to loans | -0.1097% | 6,514 |
| Credit loss provision to net charge-offs | 177.5134% | 1,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0747% | 1,250 |
| Assets per employee ($millions) | 5.2259% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7351% | 2,504 |
| Loan loss allowance to noncurrent loans | 54.3983% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 4.5168% | 669 |
| Noncurrent loans to loans | 3.1896% | 1,232 |
| Net loans and leases to total assets | 62.6365% | 3,235 |
| Net loans and leases to deposits | 81.6468% | 2,180 |
| Net loans and leases to core deposits | 85.4459% | 2,472 |
| Total domestic deposits to total assets | 76.7164% | 6,085 |
| Equity capital to assets | 13.2937% | 1,201 |
| Core capital (leverage) ratio | 13.0717% | 1,178 |
| Tier 1 risk-based capital ratio | 18.3117% | 2,211 |
| Total risk-based capital ratio | 19.5710% | 2,167 |
| Memoranda: | ||
| Average total assets | $2,596,688,000 | 288 |
| Average earning assets | $2,111,875,250 | 311 |
| Average equity | $349,929,500 | 243 |
| Average total loans | $1,583,270,250 | 302 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4103% | 104 |
| Cost of funding earning assets | 0.6639% | 2,368 |
| Net interest margin | 5.7464% | 103 |
| Noninterest income to average assets | 0.7116% | 2,584 |
| Noninterest expense to average assets | 4.3017% | 627 |
| Loan and lease loss provision to assets | 0.5914% | 432 |
| Net operating income to assets | 0.2986% | 5,603 |
| Return on assets (ROA) | 0.4104% | 5,342 |
| Pretax return on assets | 0.5930% | 5,040 |
| Return on Equity (ROE) | 3.0312% | 5,612 |
| Retained earnings to average equity (ytd only) | 3.0312% | 4,389 |
| Net charge-offs to loans | 0.0043% | 4,825 |
| Credit loss provision to net charge-offs | 23,048.4848% | 13 |
| Earnings coverage of net charge-offs (x) | 398.4242% | 123 |
| Efficiency ratio | 79.1412% | 2,278 |
| Assets per employee ($millions) | 4.9655% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3140% | 1,235 |
| Loan loss allowance to noncurrent loans | 63.7414% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 5.5391% | 525 |
| Noncurrent loans to loans | 3.6303% | 1,133 |
| Net loans and leases to total assets | 62.5624% | 3,189 |
| Net loans and leases to deposits | 78.2866% | 2,533 |
| Net loans and leases to core deposits | 81.4872% | 2,860 |
| Total domestic deposits to total assets | 79.9146% | 5,622 |
| Equity capital to assets | 13.5863% | 1,089 |
| Core capital (leverage) ratio | 12.9627% | 1,181 |
| Tier 1 risk-based capital ratio | 19.4449% | 1,870 |
| Total risk-based capital ratio | 20.7074% | 1,844 |
| Memoranda: | ||
| Average total assets | $2,572,104,330 | 292 |
| Average earning assets | $2,064,528,000 | 314 |
| Average equity | $348,239,670 | 245 |
| Average total loans | $1,543,625,330 | 303 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4481% | 98 |
| Cost of funding earning assets | 0.7178% | 2,077 |
| Net interest margin | 5.7302% | 100 |
| Noninterest income to average assets | 1.1555% | 1,123 |
| Noninterest expense to average assets | 4.3633% | 598 |
| Loan and lease loss provision to assets | 0.9322% | 207 |
| Net operating income to assets | 0.2728% | 5,655 |
| Return on assets (ROA) | 0.4749% | 4,962 |
| Pretax return on assets | 0.6763% | 4,671 |
| Return on Equity (ROE) | 3.5141% | 5,331 |
| Retained earnings to average equity (ytd only) | 3.5141% | 4,133 |
| Net charge-offs to loans | 0.3223% | 1,671 |
| Credit loss provision to net charge-offs | 498.6689% | 542 |
| Earnings coverage of net charge-offs (x) | 7.0599% | 2,123 |
| Efficiency ratio | 75.2292% | 3,053 |
| Assets per employee ($millions) | 4.6095% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2851% | 1,436 |
| Loan loss allowance to noncurrent loans | 43.4938% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 7.0081% | 399 |
| Noncurrent loans to loans | 5.2539% | 712 |
| Net loans and leases to total assets | 59.0658% | 3,595 |
| Net loans and leases to deposits | 73.1678% | 3,026 |
| Net loans and leases to core deposits | 75.8964% | 3,336 |
| Total domestic deposits to total assets | 80.7265% | 5,565 |
| Equity capital to assets | 13.6363% | 1,166 |
| Core capital (leverage) ratio | 12.6180% | 1,287 |
| Tier 1 risk-based capital ratio | 21.2908% | 1,471 |
| Total risk-based capital ratio | 22.5540% | 1,444 |
| Memoranda: | ||
| Average total assets | $2,572,098,500 | 294 |
| Average earning assets | $2,032,235,000 | 324 |
| Average equity | $347,631,500 | 249 |
| Average total loans | $1,491,790,500 | 312 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8183% | 51 |
| Cost of funding earning assets | 0.9034% | 1,916 |
| Net interest margin | 6.9150% | 54 |
| Noninterest income to average assets | 1.0905% | 1,301 |
| Noninterest expense to average assets | 5.2603% | 317 |
| Loan and lease loss provision to assets | 0.4997% | 1,192 |
| Net operating income to assets | 0.5120% | 4,636 |
| Return on assets (ROA) | 0.5730% | 4,626 |
| Pretax return on assets | 0.5774% | 5,064 |
| Return on Equity (ROE) | 3.9535% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.9535% | 3,419 |
| Net charge-offs to loans | 2.0511% | 354 |
| Credit loss provision to net charge-offs | 48.7421% | 4,730 |
| Earnings coverage of net charge-offs (x) | 0.9904% | 4,974 |
| Efficiency ratio | 82.3610% | 1,823 |
| Assets per employee ($millions) | 4.5769% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1253% | 1,698 |
| Loan loss allowance to noncurrent loans | 30.4406% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 8.6301% | 304 |
| Noncurrent loans to loans | 6.9819% | 457 |
| Net loans and leases to total assets | 54.3958% | 4,568 |
| Net loans and leases to deposits | 67.7288% | 4,023 |
| Net loans and leases to core deposits | 70.3397% | 4,259 |
| Total domestic deposits to total assets | 80.3141% | 5,587 |
| Equity capital to assets | 13.3959% | 1,273 |
| Core capital (leverage) ratio | 12.6299% | 1,264 |
| Tier 1 risk-based capital ratio | 22.7735% | 1,144 |
| Total risk-based capital ratio | 24.0572% | 1,126 |
| Memoranda: | ||
| Average total assets | $2,333,836,200 | 313 |
| Average earning assets | $1,750,040,200 | 358 |
| Average equity | $338,285,800 | 256 |
| Average total loans | $1,166,601,400 | 374 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7837% | 53 |
| Cost of funding earning assets | 0.9380% | 1,933 |
| Net interest margin | 6.8457% | 58 |
| Noninterest income to average assets | 1.7232% | 527 |
| Noninterest expense to average assets | 5.2686% | 308 |
| Loan and lease loss provision to assets | 0.8653% | 527 |
| Net operating income to assets | 0.6223% | 4,283 |
| Return on assets (ROA) | 0.7028% | 4,143 |
| Pretax return on assets | 0.7416% | 4,700 |
| Return on Equity (ROE) | 4.7459% | 4,947 |
| Retained earnings to average equity (ytd only) | 4.7459% | 3,562 |
| Net charge-offs to loans | 2.3463% | 272 |
| Credit loss provision to net charge-offs | 76.2087% | 3,728 |
| Earnings coverage of net charge-offs (x) | 1.3406% | 4,627 |
| Efficiency ratio | 76.2273% | 2,643 |
| Assets per employee ($millions) | 3.9884% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8672% | 831 |
| Loan loss allowance to noncurrent loans | 36.9694% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 9.8248% | 254 |
| Noncurrent loans to loans | 7.7555% | 422 |
| Net loans and leases to total assets | 51.5161% | 5,114 |
| Net loans and leases to deposits | 64.5498% | 4,656 |
| Net loans and leases to core deposits | 67.0159% | 4,839 |
| Total domestic deposits to total assets | 79.8083% | 5,708 |
| Equity capital to assets | 13.7278% | 1,261 |
| Core capital (leverage) ratio | 13.0167% | 1,188 |
| Tier 1 risk-based capital ratio | 25.4768% | 867 |
| Total risk-based capital ratio | 26.7759% | 851 |
| Memoranda: | ||
| Average total assets | $2,270,811,000 | 319 |
| Average earning assets | $1,681,019,500 | 371 |
| Average equity | $336,254,750 | 257 |
| Average total loans | $1,098,955,250 | 394 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1195% | 45 |
| Cost of funding earning assets | 0.9683% | 1,942 |
| Net interest margin | 7.1512% | 49 |
| Noninterest income to average assets | 1.2341% | 935 |
| Noninterest expense to average assets | 5.4424% | 285 |
| Loan and lease loss provision to assets | 0.6333% | 916 |
| Net operating income to assets | 0.3086% | 5,586 |
| Return on assets (ROA) | 0.4098% | 5,414 |
| Pretax return on assets | 0.5300% | 5,366 |
| Return on Equity (ROE) | 2.6926% | 5,810 |
| Retained earnings to average equity (ytd only) | 2.6926% | 4,829 |
| Net charge-offs to loans | 0.0515% | 4,686 |
| Credit loss provision to net charge-offs | 2,636.8821% | 116 |
| Earnings coverage of net charge-offs (x) | 42.9620% | 831 |
| Efficiency ratio | 82.6161% | 1,797 |
| Assets per employee ($millions) | 3.7475% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5196% | 228 |
| Loan loss allowance to noncurrent loans | 39.2923% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 11.6581% | 190 |
| Noncurrent loans to loans | 11.5024% | 188 |
| Net loans and leases to total assets | 47.1194% | 5,707 |
| Net loans and leases to deposits | 60.6882% | 5,174 |
| Net loans and leases to core deposits | 62.9772% | 5,300 |
| Total domestic deposits to total assets | 77.6419% | 6,222 |
| Equity capital to assets | 15.1346% | 752 |
| Core capital (leverage) ratio | 14.4076% | 714 |
| Tier 1 risk-based capital ratio | 31.1793% | 473 |
| Total risk-based capital ratio | 32.5013% | 464 |
| Memoranda: | ||
| Average total assets | $2,190,191,000 | 326 |
| Average earning assets | $1,604,879,670 | 384 |
| Average equity | $333,361,330 | 257 |
| Average total loans | $1,021,060,670 | 416 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4488% | 45 |
| Cost of funding earning assets | 1.0207% | 1,864 |
| Net interest margin | 7.4281% | 48 |
| Noninterest income to average assets | 0.3985% | 4,685 |
| Noninterest expense to average assets | 4.8283% | 413 |
| Loan and lease loss provision to assets | 0.0585% | 4,682 |
| Net operating income to assets | 0.6035% | 4,330 |
| Return on assets (ROA) | 0.6035% | 4,547 |
| Pretax return on assets | 0.8923% | 4,055 |
| Return on Equity (ROE) | 3.9535% | 5,315 |
| Retained earnings to average equity (ytd only) | 3.9535% | 4,212 |
| Net charge-offs to loans | 0.0134% | 4,511 |
| Credit loss provision to net charge-offs | 963.6364% | 365 |
| Earnings coverage of net charge-offs (x) | 156.7273% | 234 |
| Efficiency ratio | 81.9168% | 1,942 |
| Assets per employee ($millions) | 3.5978% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2878% | 293 |
| Loan loss allowance to noncurrent loans | 29.2037% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 12.7203% | 177 |
| Noncurrent loans to loans | 14.6825% | 129 |
| Net loans and leases to total assets | 44.5621% | 5,952 |
| Net loans and leases to deposits | 57.9382% | 5,381 |
| Net loans and leases to core deposits | 60.4755% | 5,486 |
| Total domestic deposits to total assets | 76.9132% | 6,413 |
| Equity capital to assets | 15.5040% | 659 |
| Core capital (leverage) ratio | 14.2858% | 733 |
| Tier 1 risk-based capital ratio | 36.0428% | 312 |
| Total risk-based capital ratio | 37.3596% | 303 |
| Memoranda: | ||
| Average total assets | $2,176,023,500 | 323 |
| Average earning assets | $1,576,167,500 | 388 |
| Average equity | $332,159,000 | 252 |
| Average total loans | $984,171,500 | 426 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2507% | 78 |
| Cost of funding earning assets | 1.3604% | 1,198 |
| Net interest margin | 5.8903% | 102 |
| Noninterest income to average assets | 0.8012% | 2,052 |
| Noninterest expense to average assets | 3.8295% | 1,290 |
| Loan and lease loss provision to assets | 0.5469% | 1,910 |
| Net operating income to assets | 0.3632% | 5,017 |
| Return on assets (ROA) | 0.4389% | 4,903 |
| Pretax return on assets | 0.5580% | 4,811 |
| Return on Equity (ROE) | 3.1126% | 5,238 |
| Retained earnings to average equity (ytd only) | 3.1126% | 4,014 |
| Net charge-offs to loans | 0.3254% | 3,762 |
| Credit loss provision to net charge-offs | 417.8944% | 550 |
| Earnings coverage of net charge-offs (x) | 7.7107% | 2,285 |
| Efficiency ratio | 77.2516% | 2,704 |
| Assets per employee ($millions) | 3.7882% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4442% | 265 |
| Loan loss allowance to noncurrent loans | 24.3897% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 13.8163% | 161 |
| Noncurrent loans to loans | 18.2215% | 72 |
| Net loans and leases to total assets | 41.9667% | 6,392 |
| Net loans and leases to deposits | 54.4586% | 6,024 |
| Net loans and leases to core deposits | 56.6453% | 6,114 |
| Total domestic deposits to total assets | 77.0617% | 6,331 |
| Equity capital to assets | 15.0287% | 776 |
| Core capital (leverage) ratio | 13.9829% | 828 |
| Tier 1 risk-based capital ratio | 38.3448% | 265 |
| Total risk-based capital ratio | 39.6664% | 256 |
| Memoranda: | ||
| Average total assets | $2,271,517,200 | 311 |
| Average earning assets | $1,556,981,600 | 387 |
| Average equity | $320,278,400 | 251 |
| Average total loans | $913,656,200 | 461 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8578% | 121 |
| Cost of funding earning assets | 1.4290% | 1,115 |
| Net interest margin | 5.4288% | 195 |
| Noninterest income to average assets | 0.9573% | 1,460 |
| Noninterest expense to average assets | 3.7172% | 1,460 |
| Loan and lease loss provision to assets | 0.5675% | 1,726 |
| Net operating income to assets | 0.2508% | 5,569 |
| Return on assets (ROA) | 0.3406% | 5,422 |
| Pretax return on assets | 0.4821% | 5,218 |
| Return on Equity (ROE) | 2.4545% | 5,635 |
| Retained earnings to average equity (ytd only) | 2.4545% | 4,893 |
| Net charge-offs to loans | 0.3790% | 3,214 |
| Credit loss provision to net charge-offs | 380.6011% | 746 |
| Earnings coverage of net charge-offs (x) | 6.1905% | 2,601 |
| Efficiency ratio | 78.3029% | 2,507 |
| Assets per employee ($millions) | 4.0039% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3570% | 298 |
| Loan loss allowance to noncurrent loans | 18.1681% | 6,737 |
| Noncurrent assets plus other real estate owned to assets | 15.6553% | 116 |
| Noncurrent loans to loans | 23.9817% | 32 |
| Net loans and leases to total assets | 40.3454% | 6,603 |
| Net loans and leases to deposits | 52.8757% | 6,303 |
| Net loans and leases to core deposits | 54.9617% | 6,394 |
| Total domestic deposits to total assets | 76.3024% | 6,490 |
| Equity capital to assets | 14.7491% | 917 |
| Core capital (leverage) ratio | 13.5020% | 1,046 |
| Tier 1 risk-based capital ratio | 41.8268% | 215 |
| Total risk-based capital ratio | 43.1407% | 213 |
| Memoranda: | ||
| Average total assets | $2,291,058,750 | 306 |
| Average earning assets | $1,554,230,250 | 388 |
| Average equity | $317,939,750 | 250 |
| Average total loans | $901,248,500 | 469 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3656% | 251 |
| Cost of funding earning assets | 1.4836% | 1,057 |
| Net interest margin | 4.8819% | 509 |
| Noninterest income to average assets | 1.0729% | 1,139 |
| Noninterest expense to average assets | 3.6990% | 1,530 |
| Loan and lease loss provision to assets | 0.3313% | 2,794 |
| Net operating income to assets | 0.2467% | 5,574 |
| Return on assets (ROA) | 0.3726% | 5,215 |
| Pretax return on assets | 0.5428% | 4,926 |
| Return on Equity (ROE) | 2.7395% | 5,507 |
| Retained earnings to average equity (ytd only) | 2.7395% | 4,543 |
| Net charge-offs to loans | 0.4222% | 2,872 |
| Credit loss provision to net charge-offs | 204.1445% | 1,481 |
| Earnings coverage of net charge-offs (x) | 4.2620% | 2,912 |
| Efficiency ratio | 82.3618% | 2,053 |
| Assets per employee ($millions) | 3.7618% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8854% | 448 |
| Loan loss allowance to noncurrent loans | 14.6167% | 6,871 |
| Noncurrent assets plus other real estate owned to assets | 15.7855% | 127 |
| Noncurrent loans to loans | 26.5821% | 25 |
| Net loans and leases to total assets | 38.7088% | 6,823 |
| Net loans and leases to deposits | 49.8882% | 6,605 |
| Net loans and leases to core deposits | 51.9511% | 6,667 |
| Total domestic deposits to total assets | 77.5911% | 6,361 |
| Equity capital to assets | 14.2965% | 994 |
| Core capital (leverage) ratio | 13.0379% | 1,147 |
| Tier 1 risk-based capital ratio | 46.5161% | 167 |
| Total risk-based capital ratio | 47.8427% | 165 |
| Memoranda: | ||
| Average total assets | $2,319,353,670 | 309 |
| Average earning assets | $1,576,257,000 | 385 |
| Average equity | $315,456,000 | 252 |
| Average total loans | $891,452,000 | 479 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2894% | 290 |
| Cost of funding earning assets | 1.5173% | 1,101 |
| Net interest margin | 4.7721% | 605 |
| Noninterest income to average assets | 1.1587% | 965 |
| Noninterest expense to average assets | 3.4696% | 2,085 |
| Loan and lease loss provision to assets | 0.3128% | 2,669 |
| Net operating income to assets | 0.4398% | 4,767 |
| Return on assets (ROA) | 0.4597% | 4,747 |
| Pretax return on assets | 0.6950% | 4,319 |
| Return on Equity (ROE) | 3.4646% | 5,162 |
| Retained earnings to average equity (ytd only) | 3.4646% | 4,111 |
| Net charge-offs to loans | 0.5094% | 2,205 |
| Credit loss provision to net charge-offs | 163.5231% | 1,772 |
| Earnings coverage of net charge-offs (x) | 5.1112% | 2,331 |
| Efficiency ratio | 76.3364% | 3,104 |
| Assets per employee ($millions) | 3.8219% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8758% | 460 |
| Loan loss allowance to noncurrent loans | 13.0092% | 6,960 |
| Noncurrent assets plus other real estate owned to assets | 16.1198% | 131 |
| Noncurrent loans to loans | 29.7931% | 12 |
| Net loans and leases to total assets | 35.8934% | 7,007 |
| Net loans and leases to deposits | 45.7335% | 6,868 |
| Net loans and leases to core deposits | 47.6903% | 6,888 |
| Total domestic deposits to total assets | 78.4837% | 6,302 |
| Equity capital to assets | 13.3352% | 1,248 |
| Core capital (leverage) ratio | 12.8285% | 1,188 |
| Tier 1 risk-based capital ratio | 55.1212% | 127 |
| Total risk-based capital ratio | 56.4579% | 124 |
| Memoranda: | ||
| Average total assets | $2,350,481,500 | 307 |
| Average earning assets | $1,619,748,500 | 378 |
| Average equity | $311,840,500 | 252 |
| Average total loans | $882,670,500 | 496 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5619% | 6,210 |
| Cost of funding earning assets | 1.4108% | 3,195 |
| Net interest margin | 3.1511% | 6,387 |
| Noninterest income to average assets | 2.6125% | 275 |
| Noninterest expense to average assets | 2.9194% | 4,145 |
| Loan and lease loss provision to assets | 1.5801% | 917 |
| Net operating income to assets | 0.7863% | 2,862 |
| Return on assets (ROA) | 0.7969% | 2,955 |
| Pretax return on assets | 0.6037% | 4,312 |
| Return on Equity (ROE) | 6.1902% | 3,524 |
| Retained earnings to average equity (ytd only) | 6.1902% | 1,720 |
| Net charge-offs to loans | 0.1244% | 5,649 |
| Credit loss provision to net charge-offs | 2,970.8262% | 79 |
| Earnings coverage of net charge-offs (x) | 40.8589% | 571 |
| Efficiency ratio | 55.9641% | 6,599 |
| Assets per employee ($millions) | 3.6439% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7642% | 488 |
| Loan loss allowance to noncurrent loans | 12.1784% | 7,056 |
| Noncurrent assets plus other real estate owned to assets | 15.9043% | 136 |
| Noncurrent loans to loans | 30.9086% | 9 |
| Net loans and leases to total assets | 36.3440% | 7,145 |
| Net loans and leases to deposits | 46.3049% | 7,031 |
| Net loans and leases to core deposits | 47.8978% | 7,078 |
| Total domestic deposits to total assets | 78.4885% | 6,217 |
| Equity capital to assets | 13.1987% | 1,301 |
| Core capital (leverage) ratio | 11.9361% | 1,599 |
| Tier 1 risk-based capital ratio | 61.4115% | 100 |
| Total risk-based capital ratio | 62.7338% | 99 |
| Memoranda: | ||
| Average total assets | $2,184,687,250 | 327 |
| Average earning assets | $1,719,424,750 | 363 |
| Average equity | $281,249,000 | 267 |
| Average total loans | $934,325,500 | 479 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 7,076 |
| Cost of funding earning assets | 0.9758% | 6,054 |
| Net interest margin | 3.2353% | 6,230 |
| Noninterest income to average assets | 4.5265% | 153 |
| Noninterest expense to average assets | 1.8798% | 7,236 |
| Loan and lease loss provision to assets | 0.0095% | 6,927 |
| Net operating income to assets | 3.2187% | 69 |
| Return on assets (ROA) | 3.2190% | 72 |
| Pretax return on assets | 5.2928% | 48 |
| Return on Equity (ROE) | 25.2382% | 118 |
| Retained earnings to average equity (ytd only) | 25.2382% | 30 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.3213% | 7,707 |
| Assets per employee ($millions) | 3.9767% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0134% | 7,686 |
| Loan loss allowance to noncurrent loans | 0.0509% | 7,256 |
| Noncurrent assets plus other real estate owned to assets | 18.9925% | 73 |
| Noncurrent loans to loans | 26.3414% | 25 |
| Net loans and leases to total assets | 44.1915% | 6,826 |
| Net loans and leases to deposits | 56.2027% | 6,608 |
| Net loans and leases to core deposits | 57.8066% | 6,740 |
| Total domestic deposits to total assets | 78.6287% | 6,111 |
| Equity capital to assets | 13.6681% | 1,287 |
| Core capital (leverage) ratio | 12.5462% | 1,386 |
| Tier 1 risk-based capital ratio | 68.2943% | 86 |
| Total risk-based capital ratio | 68.3261% | 87 |
| Memoranda: | ||
| Average total assets | $2,130,698,670 | 331 |
| Average earning assets | $1,748,693,670 | 353 |
| Average equity | $271,756,000 | 271 |
| Average total loans | $950,358,330 | 471 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5703% | 7,584 |
| Cost of funding earning assets | 1.0924% | 5,714 |
| Net interest margin | 2.4778% | 7,432 |
| Noninterest income to average assets | 1.1317% | 1,024 |
| Noninterest expense to average assets | 1.7214% | 7,486 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9237% | 2,457 |
| Return on assets (ROA) | 0.9239% | 2,557 |
| Pretax return on assets | 1.4848% | 1,598 |
| Return on Equity (ROE) | 7.6095% | 3,054 |
| Retained earnings to average equity (ytd only) | 7.6095% | 1,593 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6939% | 6,913 |
| Assets per employee ($millions) | 4.3658% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,760 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,334 |
| Noncurrent assets plus other real estate owned to assets | 19.6249% | 60 |
| Noncurrent loans to loans | 29.7480% | 17 |
| Net loans and leases to total assets | 43.7011% | 6,944 |
| Net loans and leases to deposits | 54.4399% | 6,829 |
| Net loans and leases to core deposits | 55.8755% | 6,944 |
| Total domestic deposits to total assets | 80.2740% | 5,642 |
| Equity capital to assets | 12.6574% | 1,707 |
| Core capital (leverage) ratio | 11.7534% | 1,772 |
| Tier 1 risk-based capital ratio | 65.8476% | 95 |
| Total risk-based capital ratio | 65.8476% | 96 |
| Memoranda: | ||
| Average total assets | $1,913,558,000 | 362 |
| Average earning assets | $1,601,725,500 | 383 |
| Average equity | $232,342,000 | 307 |
| Average total loans | $858,710,500 | 518 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6022% | 7,889 |
| Cost of funding earning assets | 0.7248% | 7,282 |
| Net interest margin | 0.8774% | 7,886 |
| Noninterest income to average assets | 0.2774% | 5,928 |
| Noninterest expense to average assets | 0.9236% | 7,882 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0655% | 6,118 |
| Return on assets (ROA) | 0.0660% | 6,223 |
| Pretax return on assets | 0.1075% | 6,111 |
| Return on Equity (ROE) | 0.5669% | 6,246 |
| Retained earnings to average equity (ytd only) | 0.5669% | 5,600 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6428% | 1,457 |
| Assets per employee ($millions) | 4.6210% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,860 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,410 |
| Noncurrent assets plus other real estate owned to assets | 16.5139% | 103 |
| Noncurrent loans to loans | 20.4412% | 71 |
| Net loans and leases to total assets | 46.0105% | 6,828 |
| Net loans and leases to deposits | 55.9428% | 6,777 |
| Net loans and leases to core deposits | 57.3700% | 6,913 |
| Total domestic deposits to total assets | 82.2457% | 4,959 |
| Equity capital to assets | 11.6432% | 2,270 |
| Core capital (leverage) ratio | 11.0314% | 2,211 |
| Tier 1 risk-based capital ratio | 41.9024% | 225 |
| Total risk-based capital ratio | 41.9024% | 236 |
| Memoranda: | ||
| Average total assets | $1,945,456,000 | 369 |
| Average earning assets | $1,669,472,000 | 388 |
| Average equity | $226,514,000 | 314 |
| Average total loans | $895,115,000 | 523 |