Home > Far East National Bank > Performance and Condition Ratios
Far East National Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1306% | 5,722 |
| Cost of funding earning assets | 0.0951% | 5,572 |
| Net interest margin | 1.0355% | 5,717 |
| Noninterest income to average assets | 0.0686% | 5,562 |
| Noninterest expense to average assets | 0.5751% | 5,717 |
| Loan and lease loss provision to assets | 0.0229% | 3,684 |
| Net operating income to assets | 0.2340% | 5,319 |
| Return on assets (ROA) | 0.2340% | 5,335 |
| Pretax return on assets | 0.3822% | 5,215 |
| Return on Equity (ROE) | 0.8624% | 5,449 |
| Retained earnings to average equity (ytd only) | 0.8624% | 5,018 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0643% | 4,608 |
| Assets per employee ($millions) | 9.0343% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0291% | 5,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 64.1705% | 3,373 |
| Net loans and leases to deposits | 97.7625% | 944 |
| Net loans and leases to core deposits | 107.2141% | 1,188 |
| Total domestic deposits to total assets | 65.6392% | 5,593 |
| Equity capital to assets | 31.0643% | 59 |
| Core capital (leverage) ratio | 26.6506% | 86 |
| Tier 1 risk-based capital ratio | 34.0289% | 352 |
| Total risk-based capital ratio | 34.0525% | 382 |
| Memoranda: | ||
| Average total assets | $1,187,002,000 | 633 |
| Average earning assets | $1,044,995,750 | 651 |
| Average equity | $322,020,500 | 320 |
| Average total loans | $844,222,250 | 623 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9145% | 3,506 |
| Cost of funding earning assets | 0.3942% | 3,133 |
| Net interest margin | 3.5204% | 3,322 |
| Noninterest income to average assets | 0.2822% | 4,538 |
| Noninterest expense to average assets | 1.9742% | 5,027 |
| Loan and lease loss provision to assets | -1.2245% | 5,781 |
| Net operating income to assets | 8.1849% | 23 |
| Return on assets (ROA) | 8.1849% | 23 |
| Pretax return on assets | 2.6321% | 166 |
| Return on Equity (ROE) | 31.5389% | 32 |
| Retained earnings to average equity (ytd only) | 31.5389% | 17 |
| Net charge-offs to loans | -0.3351% | 5,654 |
| Credit loss provision to net charge-offs | 499.2637% | 670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3786% | 4,548 |
| Assets per employee ($millions) | 8.5874% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2674% | 390 |
| Loan loss allowance to noncurrent loans | 50,692.1053% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 5,297 |
| Noncurrent loans to loans | 0.0045% | 5,179 |
| Net loans and leases to total assets | 70.0639% | 2,516 |
| Net loans and leases to deposits | 103.8871% | 502 |
| Net loans and leases to core deposits | 115.1753% | 747 |
| Total domestic deposits to total assets | 67.4424% | 5,609 |
| Equity capital to assets | 29.3947% | 59 |
| Core capital (leverage) ratio | 24.4736% | 107 |
| Tier 1 risk-based capital ratio | 27.2499% | 594 |
| Total risk-based capital ratio | 28.5206% | 584 |
| Memoranda: | ||
| Average total assets | $1,218,287,330 | 625 |
| Average earning assets | $1,072,673,330 | 635 |
| Average equity | $316,168,000 | 324 |
| Average total loans | $891,736,000 | 601 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8070% | 3,750 |
| Cost of funding earning assets | 0.4165% | 2,838 |
| Net interest margin | 3.3906% | 3,682 |
| Noninterest income to average assets | 0.2711% | 4,602 |
| Noninterest expense to average assets | 2.1738% | 4,711 |
| Loan and lease loss provision to assets | -0.0612% | 5,727 |
| Net operating income to assets | 1.1120% | 1,821 |
| Return on assets (ROA) | 1.1120% | 1,863 |
| Pretax return on assets | 1.1858% | 2,650 |
| Return on Equity (ROE) | 4.5761% | 4,576 |
| Retained earnings to average equity (ytd only) | 4.5761% | 3,139 |
| Net charge-offs to loans | -0.0828% | 5,387 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9040% | 3,515 |
| Assets per employee ($millions) | 8.3757% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8964% | 199 |
| Loan loss allowance to noncurrent loans | 630,700.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 5,399 |
| Noncurrent loans to loans | 0.0005% | 5,283 |
| Net loans and leases to total assets | 70.6151% | 2,277 |
| Net loans and leases to deposits | 100.1793% | 603 |
| Net loans and leases to core deposits | 112.5113% | 748 |
| Total domestic deposits to total assets | 70.4887% | 5,614 |
| Equity capital to assets | 25.1990% | 101 |
| Core capital (leverage) ratio | 22.0747% | 135 |
| Tier 1 risk-based capital ratio | 26.4676% | 662 |
| Total risk-based capital ratio | 27.7370% | 648 |
| Memoranda: | ||
| Average total assets | $1,234,901,500 | 621 |
| Average earning assets | $1,102,589,500 | 630 |
| Average equity | $300,079,500 | 332 |
| Average total loans | $912,823,000 | 588 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7895% | 3,944 |
| Cost of funding earning assets | 0.5191% | 1,945 |
| Net interest margin | 3.2704% | 4,228 |
| Noninterest income to average assets | 1.0964% | 947 |
| Noninterest expense to average assets | 2.1495% | 4,898 |
| Loan and lease loss provision to assets | -0.2390% | 5,805 |
| Net operating income to assets | 1.9780% | 333 |
| Return on assets (ROA) | 1.9780% | 352 |
| Pretax return on assets | 2.1110% | 394 |
| Return on Equity (ROE) | 9.0607% | 2,389 |
| Retained earnings to average equity (ytd only) | 9.0607% | 577 |
| Net charge-offs to loans | -0.3791% | 5,812 |
| Credit loss provision to net charge-offs | 85.4727% | 2,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4504% | 5,288 |
| Assets per employee ($millions) | 8.4806% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6427% | 269 |
| Loan loss allowance to noncurrent loans | 168,186.6667% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,443 |
| Noncurrent loans to loans | 0.0016% | 5,317 |
| Net loans and leases to total assets | 73.0628% | 2,007 |
| Net loans and leases to deposits | 99.7023% | 685 |
| Net loans and leases to core deposits | 114.5882% | 675 |
| Total domestic deposits to total assets | 73.2809% | 5,488 |
| Equity capital to assets | 23.4533% | 121 |
| Core capital (leverage) ratio | 20.7025% | 175 |
| Tier 1 risk-based capital ratio | 24.1433% | 858 |
| Total risk-based capital ratio | 25.4105% | 828 |
| Memoranda: | ||
| Average total assets | $1,290,001,000 | 575 |
| Average earning assets | $1,153,848,000 | 582 |
| Average equity | $281,610,800 | 334 |
| Average total loans | $951,385,600 | 535 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 3,944 |
| Cost of funding earning assets | 0.5295% | 1,883 |
| Net interest margin | 3.2618% | 4,305 |
| Noninterest income to average assets | 0.2141% | 5,183 |
| Noninterest expense to average assets | 2.1700% | 4,847 |
| Loan and lease loss provision to assets | -0.2546% | 5,889 |
| Net operating income to assets | 1.0975% | 2,006 |
| Return on assets (ROA) | 1.0975% | 2,111 |
| Pretax return on assets | 1.2154% | 2,776 |
| Return on Equity (ROE) | 5.1207% | 4,462 |
| Retained earnings to average equity (ytd only) | 5.1207% | 2,741 |
| Net charge-offs to loans | -0.4202% | 5,876 |
| Credit loss provision to net charge-offs | 82.5100% | 2,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3118% | 2,996 |
| Assets per employee ($millions) | 8.2839% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7677% | 242 |
| Loan loss allowance to noncurrent loans | 17,398.6207% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 5,476 |
| Noncurrent loans to loans | 0.0159% | 5,330 |
| Net loans and leases to total assets | 67.2884% | 2,905 |
| Net loans and leases to deposits | 89.1460% | 1,867 |
| Net loans and leases to core deposits | 102.4965% | 1,446 |
| Total domestic deposits to total assets | 75.4810% | 5,291 |
| Equity capital to assets | 21.5483% | 181 |
| Core capital (leverage) ratio | 18.9829% | 234 |
| Tier 1 risk-based capital ratio | 23.3274% | 965 |
| Total risk-based capital ratio | 24.5952% | 947 |
| Memoranda: | ||
| Average total assets | $1,294,480,500 | 570 |
| Average earning assets | $1,157,491,750 | 583 |
| Average equity | $277,427,250 | 338 |
| Average total loans | $950,570,250 | 533 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6142% | 4,551 |
| Cost of funding earning assets | 0.5287% | 1,876 |
| Net interest margin | 3.0856% | 4,869 |
| Noninterest income to average assets | 0.3062% | 4,597 |
| Noninterest expense to average assets | 2.2011% | 4,843 |
| Loan and lease loss provision to assets | -0.0749% | 5,846 |
| Net operating income to assets | 0.8227% | 3,205 |
| Return on assets (ROA) | 0.8227% | 3,343 |
| Pretax return on assets | 0.9384% | 3,809 |
| Return on Equity (ROE) | 3.8460% | 4,970 |
| Retained earnings to average equity (ytd only) | 3.8460% | 3,443 |
| Net charge-offs to loans | -0.2088% | 5,820 |
| Credit loss provision to net charge-offs | 47.9125% | 2,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8241% | 2,689 |
| Assets per employee ($millions) | 8.1225% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4580% | 380 |
| Loan loss allowance to noncurrent loans | 16,381.8182% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 5,570 |
| Noncurrent loans to loans | 0.0150% | 5,424 |
| Net loans and leases to total assets | 75.1545% | 1,622 |
| Net loans and leases to deposits | 98.8036% | 809 |
| Net loans and leases to core deposits | 114.1685% | 719 |
| Total domestic deposits to total assets | 76.0645% | 5,276 |
| Equity capital to assets | 20.9029% | 187 |
| Core capital (leverage) ratio | 19.2930% | 216 |
| Tier 1 risk-based capital ratio | 20.5574% | 1,335 |
| Total risk-based capital ratio | 21.8220% | 1,313 |
| Memoranda: | ||
| Average total assets | $1,286,927,330 | 573 |
| Average earning assets | $1,150,457,000 | 583 |
| Average equity | $275,296,000 | 336 |
| Average total loans | $963,590,330 | 523 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5920% | 4,634 |
| Cost of funding earning assets | 0.5137% | 1,996 |
| Net interest margin | 3.0784% | 4,925 |
| Noninterest income to average assets | 0.2379% | 5,039 |
| Noninterest expense to average assets | 2.2070% | 4,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5233% | 4,532 |
| Return on assets (ROA) | 0.5233% | 4,638 |
| Pretax return on assets | 0.7783% | 4,275 |
| Return on Equity (ROE) | 2.4171% | 5,396 |
| Retained earnings to average equity (ytd only) | 2.4171% | 4,288 |
| Net charge-offs to loans | -0.2248% | 5,879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9296% | 2,488 |
| Assets per employee ($millions) | 7.4912% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6388% | 335 |
| Loan loss allowance to noncurrent loans | 14,927.8107% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 5,608 |
| Noncurrent loans to loans | 0.0177% | 5,438 |
| Net loans and leases to total assets | 72.6626% | 1,927 |
| Net loans and leases to deposits | 96.3237% | 912 |
| Net loans and leases to core deposits | 111.7743% | 762 |
| Total domestic deposits to total assets | 75.4359% | 5,477 |
| Equity capital to assets | 21.4406% | 167 |
| Core capital (leverage) ratio | 19.9342% | 198 |
| Tier 1 risk-based capital ratio | 21.3872% | 1,247 |
| Total risk-based capital ratio | 22.6531% | 1,226 |
| Memoranda: | ||
| Average total assets | $1,264,346,000 | 578 |
| Average earning assets | $1,128,386,500 | 593 |
| Average equity | $273,721,000 | 334 |
| Average total loans | $932,209,000 | 537 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4145% | 5,122 |
| Cost of funding earning assets | 0.5139% | 2,037 |
| Net interest margin | 2.9006% | 5,337 |
| Noninterest income to average assets | 0.3235% | 4,584 |
| Noninterest expense to average assets | 2.2336% | 4,969 |
| Loan and lease loss provision to assets | -0.4158% | 6,105 |
| Net operating income to assets | 0.7697% | 3,467 |
| Return on assets (ROA) | 0.7846% | 3,477 |
| Pretax return on assets | 1.1182% | 2,970 |
| Return on Equity (ROE) | 3.6924% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.6924% | 3,421 |
| Net charge-offs to loans | -0.7994% | 6,117 |
| Credit loss provision to net charge-offs | 71.8818% | 3,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6283% | 2,173 |
| Assets per employee ($millions) | 7.3394% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7195% | 308 |
| Loan loss allowance to noncurrent loans | 4,427.2401% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 5,502 |
| Noncurrent loans to loans | 0.0614% | 5,273 |
| Net loans and leases to total assets | 70.8250% | 2,240 |
| Net loans and leases to deposits | 94.4380% | 1,161 |
| Net loans and leases to core deposits | 108.4467% | 947 |
| Total domestic deposits to total assets | 74.9963% | 5,555 |
| Equity capital to assets | 21.8634% | 150 |
| Core capital (leverage) ratio | 19.6519% | 211 |
| Tier 1 risk-based capital ratio | 23.1801% | 994 |
| Total risk-based capital ratio | 24.4490% | 978 |
| Memoranda: | ||
| Average total assets | $1,264,147,200 | 562 |
| Average earning assets | $1,129,356,000 | 571 |
| Average equity | $268,605,200 | 329 |
| Average total loans | $914,720,600 | 518 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2987% | 5,410 |
| Cost of funding earning assets | 0.5114% | 2,110 |
| Net interest margin | 2.7873% | 5,608 |
| Noninterest income to average assets | 0.3661% | 4,313 |
| Noninterest expense to average assets | 2.1838% | 5,091 |
| Loan and lease loss provision to assets | -0.5526% | 6,221 |
| Net operating income to assets | 0.7736% | 3,560 |
| Return on assets (ROA) | 0.7916% | 3,558 |
| Pretax return on assets | 1.2538% | 2,584 |
| Return on Equity (ROE) | 3.7523% | 5,124 |
| Retained earnings to average equity (ytd only) | 3.7523% | 3,801 |
| Net charge-offs to loans | -1.0047% | 6,207 |
| Credit loss provision to net charge-offs | 76.1188% | 2,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4416% | 2,169 |
| Assets per employee ($millions) | 6.2818% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7157% | 331 |
| Loan loss allowance to noncurrent loans | 4,141.5825% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 5,587 |
| Noncurrent loans to loans | 0.0656% | 5,353 |
| Net loans and leases to total assets | 68.7703% | 2,572 |
| Net loans and leases to deposits | 91.4730% | 1,467 |
| Net loans and leases to core deposits | 108.3336% | 964 |
| Total domestic deposits to total assets | 72.6024% | 5,821 |
| Equity capital to assets | 21.1154% | 193 |
| Core capital (leverage) ratio | 19.1583% | 235 |
| Tier 1 risk-based capital ratio | 21.8996% | 1,207 |
| Total risk-based capital ratio | 23.1673% | 1,185 |
| Memoranda: | ||
| Average total assets | $1,268,259,250 | 566 |
| Average earning assets | $1,133,338,000 | 569 |
| Average equity | $267,559,250 | 337 |
| Average total loans | $916,304,000 | 523 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3128% | 5,416 |
| Cost of funding earning assets | 0.4991% | 2,259 |
| Net interest margin | 2.8137% | 5,585 |
| Noninterest income to average assets | 0.3667% | 4,319 |
| Noninterest expense to average assets | 2.2205% | 5,057 |
| Loan and lease loss provision to assets | -0.8317% | 6,316 |
| Net operating income to assets | 0.9379% | 2,702 |
| Return on assets (ROA) | 0.9555% | 2,718 |
| Pretax return on assets | 1.5204% | 1,590 |
| Return on Equity (ROE) | 4.5305% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.5305% | 3,147 |
| Net charge-offs to loans | -1.3951% | 6,284 |
| Credit loss provision to net charge-offs | 81.9202% | 2,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0566% | 2,193 |
| Assets per employee ($millions) | 5.8768% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7202% | 365 |
| Loan loss allowance to noncurrent loans | 3,749.9222% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 5,644 |
| Noncurrent loans to loans | 0.0725% | 5,439 |
| Net loans and leases to total assets | 71.2279% | 2,124 |
| Net loans and leases to deposits | 99.7572% | 681 |
| Net loans and leases to core deposits | 120.9956% | 442 |
| Total domestic deposits to total assets | 68.9785% | 6,078 |
| Equity capital to assets | 22.2051% | 146 |
| Core capital (leverage) ratio | 20.0357% | 204 |
| Tier 1 risk-based capital ratio | 22.3133% | 1,159 |
| Total risk-based capital ratio | 23.5809% | 1,139 |
| Memoranda: | ||
| Average total assets | $1,263,848,000 | 563 |
| Average earning assets | $1,129,670,000 | 570 |
| Average equity | $266,548,330 | 337 |
| Average total loans | $919,776,330 | 517 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2355% | 5,586 |
| Cost of funding earning assets | 0.5040% | 2,250 |
| Net interest margin | 2.7315% | 5,765 |
| Noninterest income to average assets | 0.3506% | 4,393 |
| Noninterest expense to average assets | 2.1571% | 5,254 |
| Loan and lease loss provision to assets | -1.6292% | 6,403 |
| Net operating income to assets | 1.4326% | 979 |
| Return on assets (ROA) | 1.4668% | 966 |
| Pretax return on assets | 2.3272% | 310 |
| Return on Equity (ROE) | 7.1316% | 3,435 |
| Retained earnings to average equity (ytd only) | 7.1316% | 1,955 |
| Net charge-offs to loans | -2.5646% | 6,364 |
| Credit loss provision to net charge-offs | 87.5416% | 1,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9886% | 2,342 |
| Assets per employee ($millions) | 6.1112% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5954% | 466 |
| Loan loss allowance to noncurrent loans | 3,419.9134% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 5,708 |
| Noncurrent loans to loans | 0.0759% | 5,469 |
| Net loans and leases to total assets | 71.6985% | 1,856 |
| Net loans and leases to deposits | 100.5241% | 535 |
| Net loans and leases to core deposits | 121.2155% | 381 |
| Total domestic deposits to total assets | 69.0450% | 6,166 |
| Equity capital to assets | 21.5918% | 165 |
| Core capital (leverage) ratio | 18.9661% | 243 |
| Tier 1 risk-based capital ratio | 21.8389% | 1,268 |
| Total risk-based capital ratio | 23.1064% | 1,240 |
| Memoranda: | ||
| Average total assets | $1,290,458,500 | 546 |
| Average earning assets | $1,158,032,500 | 555 |
| Average equity | $265,412,000 | 337 |
| Average total loans | $936,456,500 | 501 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2069% | 5,830 |
| Cost of funding earning assets | 0.5021% | 2,659 |
| Net interest margin | 2.7048% | 5,931 |
| Noninterest income to average assets | 0.5047% | 3,465 |
| Noninterest expense to average assets | 2.0512% | 5,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6168% | 4,290 |
| Return on assets (ROA) | 0.6247% | 4,360 |
| Pretax return on assets | 0.8847% | 3,950 |
| Return on Equity (ROE) | 2.8174% | 5,535 |
| Retained earnings to average equity (ytd only) | 2.8174% | 4,236 |
| Net charge-offs to loans | -0.3582% | 6,354 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1327% | 3,509 |
| Assets per employee ($millions) | 6.5066% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3915% | 630 |
| Loan loss allowance to noncurrent loans | 3,097.4359% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 5,795 |
| Noncurrent loans to loans | 0.0772% | 5,577 |
| Net loans and leases to total assets | 69.8917% | 2,254 |
| Net loans and leases to deposits | 91.3116% | 1,361 |
| Net loans and leases to core deposits | 118.3167% | 452 |
| Total domestic deposits to total assets | 74.5177% | 5,904 |
| Equity capital to assets | 19.6190% | 241 |
| Core capital (leverage) ratio | 16.3226% | 438 |
| Tier 1 risk-based capital ratio | 20.8626% | 1,431 |
| Total risk-based capital ratio | 22.1287% | 1,406 |
| Memoranda: | ||
| Average total assets | $1,371,191,000 | 502 |
| Average earning assets | $1,226,873,200 | 507 |
| Average equity | $304,038,200 | 295 |
| Average total loans | $973,880,400 | 467 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2086% | 5,893 |
| Cost of funding earning assets | 0.4984% | 2,788 |
| Net interest margin | 2.7102% | 5,992 |
| Noninterest income to average assets | 0.2904% | 5,122 |
| Noninterest expense to average assets | 2.0932% | 5,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3492% | 5,427 |
| Return on assets (ROA) | 0.3489% | 5,500 |
| Pretax return on assets | 0.6183% | 4,970 |
| Return on Equity (ROE) | 1.5305% | 5,942 |
| Retained earnings to average equity (ytd only) | 1.5305% | 5,279 |
| Net charge-offs to loans | -0.2967% | 6,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1820% | 2,323 |
| Assets per employee ($millions) | 6.8493% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0698% | 1,133 |
| Loan loss allowance to noncurrent loans | 2,404.3333% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 5,894 |
| Noncurrent loans to loans | 0.0861% | 5,686 |
| Net loans and leases to total assets | 73.2739% | 1,632 |
| Net loans and leases to deposits | 99.2658% | 654 |
| Net loans and leases to core deposits | 115.8426% | 513 |
| Total domestic deposits to total assets | 71.9524% | 6,174 |
| Equity capital to assets | 22.0316% | 160 |
| Core capital (leverage) ratio | 18.1700% | 295 |
| Tier 1 risk-based capital ratio | 23.1662% | 1,094 |
| Total risk-based capital ratio | 24.4289% | 1,076 |
| Memoranda: | ||
| Average total assets | $1,378,901,000 | 503 |
| Average earning assets | $1,232,121,500 | 507 |
| Average equity | $314,306,750 | 281 |
| Average total loans | $977,414,000 | 461 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2473% | 5,875 |
| Cost of funding earning assets | 0.4755% | 3,062 |
| Net interest margin | 2.7719% | 5,960 |
| Noninterest income to average assets | 0.1008% | 6,280 |
| Noninterest expense to average assets | 2.1664% | 5,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2205% | 5,777 |
| Return on assets (ROA) | 0.2198% | 5,842 |
| Pretax return on assets | 0.4015% | 5,558 |
| Return on Equity (ROE) | 0.9537% | 6,063 |
| Retained earnings to average equity (ytd only) | 0.9537% | 5,375 |
| Net charge-offs to loans | -0.3635% | 6,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3305% | 1,467 |
| Assets per employee ($millions) | 6.8619% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0985% | 1,175 |
| Loan loss allowance to noncurrent loans | 1,319.1661% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 5,125 |
| Noncurrent loans to loans | 0.1591% | 5,535 |
| Net loans and leases to total assets | 69.2941% | 2,187 |
| Net loans and leases to deposits | 92.1403% | 1,132 |
| Net loans and leases to core deposits | 112.2044% | 592 |
| Total domestic deposits to total assets | 73.6285% | 6,142 |
| Equity capital to assets | 21.4218% | 162 |
| Core capital (leverage) ratio | 18.2136% | 285 |
| Tier 1 risk-based capital ratio | 23.3539% | 1,067 |
| Total risk-based capital ratio | 24.6167% | 1,048 |
| Memoranda: | ||
| Average total assets | $1,372,783,000 | 505 |
| Average earning assets | $1,222,357,330 | 509 |
| Average equity | $316,463,330 | 275 |
| Average total loans | $954,731,330 | 462 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2048% | 5,995 |
| Cost of funding earning assets | 0.4484% | 3,446 |
| Net interest margin | 2.7564% | 6,024 |
| Noninterest income to average assets | 0.2631% | 5,255 |
| Noninterest expense to average assets | 2.1805% | 5,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3677% | 5,243 |
| Return on assets (ROA) | 0.3662% | 5,315 |
| Pretax return on assets | 0.5363% | 5,059 |
| Return on Equity (ROE) | 1.5313% | 5,916 |
| Retained earnings to average equity (ytd only) | 1.5313% | 4,996 |
| Net charge-offs to loans | -0.4216% | 6,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1990% | 2,181 |
| Assets per employee ($millions) | 6.6065% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1822% | 1,193 |
| Loan loss allowance to noncurrent loans | 1,223.2795% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 5,160 |
| Noncurrent loans to loans | 0.1784% | 5,560 |
| Net loans and leases to total assets | 67.0025% | 2,397 |
| Net loans and leases to deposits | 91.6104% | 983 |
| Net loans and leases to core deposits | 117.3471% | 374 |
| Total domestic deposits to total assets | 71.1553% | 6,398 |
| Equity capital to assets | 23.5995% | 117 |
| Core capital (leverage) ratio | 20.1454% | 198 |
| Tier 1 risk-based capital ratio | 26.2353% | 771 |
| Total risk-based capital ratio | 27.4987% | 759 |
| Memoranda: | ||
| Average total assets | $1,345,537,000 | 513 |
| Average earning assets | $1,198,830,500 | 518 |
| Average equity | $321,821,000 | 266 |
| Average total loans | $926,989,000 | 473 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4510% | 5,730 |
| Cost of funding earning assets | 0.3821% | 4,822 |
| Net interest margin | 3.0689% | 5,406 |
| Noninterest income to average assets | 0.3133% | 5,100 |
| Noninterest expense to average assets | 2.5315% | 4,668 |
| Loan and lease loss provision to assets | -0.3913% | 6,713 |
| Net operating income to assets | 0.5790% | 4,363 |
| Return on assets (ROA) | 0.5738% | 4,501 |
| Pretax return on assets | 0.8567% | 3,932 |
| Return on Equity (ROE) | 2.1859% | 5,771 |
| Retained earnings to average equity (ytd only) | 2.1859% | 4,692 |
| Net charge-offs to loans | -0.2593% | 6,652 |
| Credit loss provision to net charge-offs | 237.9930% | 964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2512% | 1,599 |
| Assets per employee ($millions) | 6.2138% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1220% | 1,295 |
| Loan loss allowance to noncurrent loans | 1,484.6682% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 5,317 |
| Noncurrent loans to loans | 0.1429% | 5,770 |
| Net loans and leases to total assets | 67.8325% | 2,383 |
| Net loans and leases to deposits | 94.5736% | 833 |
| Net loans and leases to core deposits | 122.0444% | 299 |
| Total domestic deposits to total assets | 69.2505% | 6,552 |
| Equity capital to assets | 24.2464% | 107 |
| Core capital (leverage) ratio | 20.4229% | 178 |
| Tier 1 risk-based capital ratio | 26.1915% | 759 |
| Total risk-based capital ratio | 27.4449% | 734 |
| Memoranda: | ||
| Average total assets | $1,218,289,000 | 538 |
| Average earning assets | $1,068,418,200 | 556 |
| Average equity | $319,780,400 | 261 |
| Average total loans | $772,374,400 | 545 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5071% | 5,674 |
| Cost of funding earning assets | 0.3684% | 5,110 |
| Net interest margin | 3.1387% | 5,205 |
| Noninterest income to average assets | 0.3182% | 5,150 |
| Noninterest expense to average assets | 2.5645% | 4,501 |
| Loan and lease loss provision to assets | -0.5332% | 6,836 |
| Net operating income to assets | 0.6771% | 3,968 |
| Return on assets (ROA) | 0.6696% | 4,156 |
| Pretax return on assets | 1.0195% | 3,425 |
| Return on Equity (ROE) | 2.4980% | 5,782 |
| Retained earnings to average equity (ytd only) | 2.4980% | 4,821 |
| Net charge-offs to loans | -0.8181% | 6,816 |
| Credit loss provision to net charge-offs | 105.5346% | 2,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7485% | 1,635 |
| Assets per employee ($millions) | 6.0960% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3493% | 1,109 |
| Loan loss allowance to noncurrent loans | 432.7230% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 4,642 |
| Noncurrent loans to loans | 0.5429% | 4,837 |
| Net loans and leases to total assets | 69.0583% | 2,133 |
| Net loans and leases to deposits | 97.1973% | 611 |
| Net loans and leases to core deposits | 120.1315% | 321 |
| Total domestic deposits to total assets | 69.3450% | 6,625 |
| Equity capital to assets | 24.2007% | 102 |
| Core capital (leverage) ratio | 22.3529% | 126 |
| Tier 1 risk-based capital ratio | 25.6106% | 816 |
| Total risk-based capital ratio | 26.8759% | 804 |
| Memoranda: | ||
| Average total assets | $1,191,977,500 | 552 |
| Average earning assets | $1,042,053,750 | 570 |
| Average equity | $319,498,000 | 259 |
| Average total loans | $736,155,250 | 572 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6993% | 5,145 |
| Cost of funding earning assets | 0.3784% | 5,157 |
| Net interest margin | 3.3209% | 4,483 |
| Noninterest income to average assets | 0.3243% | 5,108 |
| Noninterest expense to average assets | 2.6678% | 4,149 |
| Loan and lease loss provision to assets | -0.8302% | 6,907 |
| Net operating income to assets | 0.8776% | 2,925 |
| Return on assets (ROA) | 0.8685% | 3,107 |
| Pretax return on assets | 1.3553% | 2,101 |
| Return on Equity (ROE) | 3.1238% | 5,578 |
| Retained earnings to average equity (ytd only) | 3.1238% | 4,331 |
| Net charge-offs to loans | -0.7278% | 6,850 |
| Credit loss provision to net charge-offs | 195.6094% | 1,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1867% | 1,734 |
| Assets per employee ($millions) | 5.3998% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7855% | 721 |
| Loan loss allowance to noncurrent loans | 251.5232% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.9261% | 3,930 |
| Noncurrent loans to loans | 1.1075% | 3,717 |
| Net loans and leases to total assets | 59.8160% | 3,686 |
| Net loans and leases to deposits | 89.9198% | 1,151 |
| Net loans and leases to core deposits | 103.5649% | 859 |
| Total domestic deposits to total assets | 63.9556% | 6,798 |
| Equity capital to assets | 27.5455% | 70 |
| Core capital (leverage) ratio | 23.4868% | 99 |
| Tier 1 risk-based capital ratio | 30.8263% | 485 |
| Total risk-based capital ratio | 32.0945% | 478 |
| Memoranda: | ||
| Average total assets | $1,148,360,000 | 571 |
| Average earning assets | $996,834,670 | 603 |
| Average equity | $319,286,000 | 262 |
| Average total loans | $669,706,330 | 625 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7885% | 4,860 |
| Cost of funding earning assets | 0.3769% | 5,311 |
| Net interest margin | 3.4116% | 4,076 |
| Noninterest income to average assets | 0.2298% | 5,819 |
| Noninterest expense to average assets | 2.6478% | 4,250 |
| Loan and lease loss provision to assets | -1.6696% | 7,007 |
| Net operating income to assets | 1.3343% | 1,198 |
| Return on assets (ROA) | 1.3124% | 1,355 |
| Pretax return on assets | 2.1659% | 444 |
| Return on Equity (ROE) | 4.6979% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.6979% | 3,419 |
| Net charge-offs to loans | -1.4452% | 6,944 |
| Credit loss provision to net charge-offs | 203.8050% | 1,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3058% | 1,856 |
| Assets per employee ($millions) | 5.2800% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0370% | 637 |
| Loan loss allowance to noncurrent loans | 196.3117% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 1.4882% | 3,030 |
| Noncurrent loans to loans | 1.5470% | 3,230 |
| Net loans and leases to total assets | 54.9200% | 4,259 |
| Net loans and leases to deposits | 77.4909% | 2,420 |
| Net loans and leases to core deposits | 88.3663% | 1,865 |
| Total domestic deposits to total assets | 68.5286% | 6,792 |
| Equity capital to assets | 27.8487% | 73 |
| Core capital (leverage) ratio | 23.7793% | 97 |
| Tier 1 risk-based capital ratio | 32.3945% | 435 |
| Total risk-based capital ratio | 33.6643% | 427 |
| Memoranda: | ||
| Average total assets | $1,142,062,000 | 580 |
| Average earning assets | $987,089,500 | 613 |
| Average equity | $319,033,500 | 266 |
| Average total loans | $647,392,000 | 647 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 5,364 |
| Cost of funding earning assets | 0.4600% | 5,502 |
| Net interest margin | 3.5251% | 4,396 |
| Noninterest income to average assets | 0.5496% | 3,582 |
| Noninterest expense to average assets | 2.9958% | 3,292 |
| Loan and lease loss provision to assets | -2.5793% | 7,081 |
| Net operating income to assets | 2.1939% | 258 |
| Return on assets (ROA) | 2.2167% | 274 |
| Pretax return on assets | 3.1914% | 122 |
| Return on Equity (ROE) | 8.8501% | 2,701 |
| Retained earnings to average equity (ytd only) | 8.8501% | 866 |
| Net charge-offs to loans | 1.0204% | 1,057 |
| Credit loss provision to net charge-offs | -420.6682% | 6,492 |
| Earnings coverage of net charge-offs (x) | 0.9444% | 4,997 |
| Efficiency ratio | 83.8016% | 1,652 |
| Assets per employee ($millions) | 5.1271% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4578% | 441 |
| Loan loss allowance to noncurrent loans | 156.8113% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 1.9972% | 2,456 |
| Noncurrent loans to loans | 2.2051% | 2,456 |
| Net loans and leases to total assets | 54.7713% | 4,493 |
| Net loans and leases to deposits | 77.2554% | 2,618 |
| Net loans and leases to core deposits | 88.4772% | 2,033 |
| Total domestic deposits to total assets | 68.3620% | 6,844 |
| Equity capital to assets | 28.0224% | 70 |
| Core capital (leverage) ratio | 23.7943% | 103 |
| Tier 1 risk-based capital ratio | 31.1518% | 466 |
| Total risk-based capital ratio | 32.4246% | 452 |
| Memoranda: | ||
| Average total assets | $1,205,734,600 | 544 |
| Average earning assets | $1,034,763,400 | 569 |
| Average equity | $301,995,800 | 270 |
| Average total loans | $724,502,400 | 569 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0353% | 5,421 |
| Cost of funding earning assets | 0.4897% | 5,509 |
| Net interest margin | 3.5457% | 4,456 |
| Noninterest income to average assets | 0.5376% | 3,688 |
| Noninterest expense to average assets | 3.0503% | 3,057 |
| Loan and lease loss provision to assets | -3.3880% | 7,180 |
| Net operating income to assets | 2.7287% | 135 |
| Return on assets (ROA) | 2.7694% | 135 |
| Pretax return on assets | 3.9744% | 81 |
| Return on Equity (ROE) | 11.3698% | 1,833 |
| Retained earnings to average equity (ytd only) | 11.3698% | 635 |
| Net charge-offs to loans | 1.2882% | 737 |
| Credit loss provision to net charge-offs | -432.1245% | 6,425 |
| Earnings coverage of net charge-offs (x) | 0.6738% | 4,987 |
| Efficiency ratio | 85.2385% | 1,454 |
| Assets per employee ($millions) | 4.3804% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4402% | 492 |
| Loan loss allowance to noncurrent loans | 124.5639% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 2.3889% | 2,232 |
| Noncurrent loans to loans | 2.7618% | 2,045 |
| Net loans and leases to total assets | 55.6921% | 4,500 |
| Net loans and leases to deposits | 79.8719% | 2,407 |
| Net loans and leases to core deposits | 91.6847% | 1,812 |
| Total domestic deposits to total assets | 67.2009% | 6,945 |
| Equity capital to assets | 28.0235% | 75 |
| Core capital (leverage) ratio | 23.1135% | 119 |
| Tier 1 risk-based capital ratio | 30.1447% | 523 |
| Total risk-based capital ratio | 31.4168% | 511 |
| Memoranda: | ||
| Average total assets | $1,223,898,000 | 538 |
| Average earning assets | $1,049,671,250 | 566 |
| Average equity | $298,115,500 | 273 |
| Average total loans | $744,920,250 | 550 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 5,583 |
| Cost of funding earning assets | 0.5248% | 5,457 |
| Net interest margin | 3.4973% | 4,677 |
| Noninterest income to average assets | 0.5717% | 3,436 |
| Noninterest expense to average assets | 3.0857% | 2,971 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3355% | 5,480 |
| Return on assets (ROA) | 0.4240% | 5,363 |
| Pretax return on assets | 0.6109% | 5,098 |
| Return on Equity (ROE) | 1.8231% | 6,095 |
| Retained earnings to average equity (ytd only) | 1.8231% | 5,284 |
| Net charge-offs to loans | -0.0247% | 6,476 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4741% | 1,385 |
| Assets per employee ($millions) | 4.3491% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5522% | 29 |
| Loan loss allowance to noncurrent loans | 144.6508% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 4.0576% | 1,251 |
| Noncurrent loans to loans | 5.9123% | 756 |
| Net loans and leases to total assets | 56.2138% | 4,433 |
| Net loans and leases to deposits | 77.6410% | 2,729 |
| Net loans and leases to core deposits | 89.4568% | 2,036 |
| Total domestic deposits to total assets | 70.0754% | 6,902 |
| Equity capital to assets | 25.3626% | 100 |
| Core capital (leverage) ratio | 19.1428% | 236 |
| Tier 1 risk-based capital ratio | 25.5654% | 848 |
| Total risk-based capital ratio | 26.8961% | 828 |
| Memoranda: | ||
| Average total assets | $1,255,152,000 | 531 |
| Average earning assets | $1,075,458,670 | 557 |
| Average equity | $291,919,330 | 275 |
| Average total loans | $775,953,670 | 517 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 5,538 |
| Cost of funding earning assets | 0.5740% | 5,325 |
| Net interest margin | 3.5030% | 4,682 |
| Noninterest income to average assets | 0.1098% | 6,696 |
| Noninterest expense to average assets | 2.9527% | 3,438 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1378% | 6,151 |
| Return on assets (ROA) | 0.1383% | 6,276 |
| Pretax return on assets | 0.1671% | 6,260 |
| Return on Equity (ROE) | 0.6196% | 6,417 |
| Retained earnings to average equity (ytd only) | 0.6196% | 5,809 |
| Net charge-offs to loans | -0.0084% | 5,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6613% | 789 |
| Assets per employee ($millions) | 4.4360% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2578% | 28 |
| Loan loss allowance to noncurrent loans | 140.1366% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 4.1690% | 1,308 |
| Noncurrent loans to loans | 5.8927% | 860 |
| Net loans and leases to total assets | 55.7195% | 4,435 |
| Net loans and leases to deposits | 75.3087% | 2,923 |
| Net loans and leases to core deposits | 86.2280% | 2,267 |
| Total domestic deposits to total assets | 71.8111% | 6,889 |
| Equity capital to assets | 24.0418% | 109 |
| Core capital (leverage) ratio | 17.1912% | 342 |
| Tier 1 risk-based capital ratio | 23.5171% | 1,065 |
| Total risk-based capital ratio | 24.8414% | 1,039 |
| Memoranda: | ||
| Average total assets | $1,304,302,000 | 516 |
| Average earning assets | $1,120,527,500 | 537 |
| Average equity | $291,175,000 | 272 |
| Average total loans | $808,366,500 | 501 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8333% | 6,692 |
| Cost of funding earning assets | 0.9963% | 3,407 |
| Net interest margin | 2.8370% | 6,778 |
| Noninterest income to average assets | -0.4153% | 7,238 |
| Noninterest expense to average assets | 3.3326% | 2,411 |
| Loan and lease loss provision to assets | 1.4940% | 497 |
| Net operating income to assets | -4.7317% | 7,292 |
| Return on assets (ROA) | -4.7182% | 7,296 |
| Pretax return on assets | -2.7848% | 7,161 |
| Return on Equity (ROE) | -22.4466% | 7,014 |
| Retained earnings to average equity (ytd only) | -22.4466% | 7,000 |
| Net charge-offs to loans | 4.3412% | 119 |
| Credit loss provision to net charge-offs | 53.6982% | 5,326 |
| Earnings coverage of net charge-offs (x) | -0.4688% | 6,068 |
| Efficiency ratio | 164.3010% | 106 |
| Assets per employee ($millions) | 5.1193% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8906% | 51 |
| Loan loss allowance to noncurrent loans | 108.4768% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 4.5528% | 1,201 |
| Noncurrent loans to loans | 6.3522% | 758 |
| Net loans and leases to total assets | 58.7084% | 4,247 |
| Net loans and leases to deposits | 75.8595% | 3,196 |
| Net loans and leases to core deposits | 85.9027% | 2,645 |
| Total domestic deposits to total assets | 75.4090% | 6,548 |
| Equity capital to assets | 20.8359% | 191 |
| Core capital (leverage) ratio | 15.2988% | 560 |
| Tier 1 risk-based capital ratio | 20.0995% | 1,619 |
| Total risk-based capital ratio | 21.4108% | 1,572 |
| Memoranda: | ||
| Average total assets | $1,562,343,200 | 425 |
| Average earning assets | $1,345,708,600 | 444 |
| Average equity | $328,401,000 | 246 |
| Average total loans | $1,001,268,000 | 419 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6641% | 6,965 |
| Cost of funding earning assets | 1.0436% | 3,364 |
| Net interest margin | 2.6204% | 7,057 |
| Noninterest income to average assets | 0.0575% | 6,927 |
| Noninterest expense to average assets | 2.8904% | 3,973 |
| Loan and lease loss provision to assets | 1.1923% | 658 |
| Net operating income to assets | -1.7705% | 7,096 |
| Return on assets (ROA) | -1.7542% | 7,108 |
| Pretax return on assets | -1.7542% | 7,073 |
| Return on Equity (ROE) | -8.3298% | 6,829 |
| Retained earnings to average equity (ytd only) | -8.3298% | 6,781 |
| Net charge-offs to loans | 4.7352% | 109 |
| Credit loss provision to net charge-offs | 39.1525% | 5,270 |
| Earnings coverage of net charge-offs (x) | -0.1899% | 5,714 |
| Efficiency ratio | 125.0072% | 261 |
| Assets per employee ($millions) | 5.8288% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5516% | 130 |
| Loan loss allowance to noncurrent loans | 64.8473% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 6.5692% | 783 |
| Noncurrent loans to loans | 8.5610% | 490 |
| Net loans and leases to total assets | 63.5411% | 3,406 |
| Net loans and leases to deposits | 99.8659% | 478 |
| Net loans and leases to core deposits | 118.2323% | 435 |
| Total domestic deposits to total assets | 61.8366% | 7,279 |
| Equity capital to assets | 21.9333% | 170 |
| Core capital (leverage) ratio | 16.0508% | 499 |
| Tier 1 risk-based capital ratio | 19.2278% | 1,871 |
| Total risk-based capital ratio | 20.5255% | 1,828 |
| Memoranda: | ||
| Average total assets | $1,603,536,250 | 413 |
| Average earning assets | $1,379,744,250 | 434 |
| Average equity | $337,702,250 | 243 |
| Average total loans | $1,031,281,750 | 413 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7059% | 7,011 |
| Cost of funding earning assets | 1.0721% | 3,455 |
| Net interest margin | 2.6338% | 7,093 |
| Noninterest income to average assets | -0.0702% | 7,271 |
| Noninterest expense to average assets | 3.0530% | 3,421 |
| Loan and lease loss provision to assets | 0.0421% | 5,783 |
| Net operating income to assets | -0.9011% | 6,910 |
| Return on assets (ROA) | -0.8995% | 6,913 |
| Pretax return on assets | -0.8995% | 6,861 |
| Return on Equity (ROE) | -4.3291% | 6,665 |
| Retained earnings to average equity (ytd only) | -4.3291% | 6,505 |
| Net charge-offs to loans | 2.4768% | 481 |
| Credit loss provision to net charge-offs | 2.6827% | 5,315 |
| Earnings coverage of net charge-offs (x) | -0.5474% | 5,539 |
| Efficiency ratio | 139.1513% | 205 |
| Assets per employee ($millions) | 5.7384% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3730% | 81 |
| Loan loss allowance to noncurrent loans | 52.7510% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 9.3344% | 443 |
| Noncurrent loans to loans | 12.0812% | 249 |
| Net loans and leases to total assets | 63.7833% | 3,514 |
| Net loans and leases to deposits | 93.2894% | 923 |
| Net loans and leases to core deposits | 109.1200% | 752 |
| Total domestic deposits to total assets | 66.7983% | 7,241 |
| Equity capital to assets | 22.6337% | 161 |
| Core capital (leverage) ratio | 16.6751% | 434 |
| Tier 1 risk-based capital ratio | 19.9501% | 1,615 |
| Total risk-based capital ratio | 21.2561% | 1,585 |
| Memoranda: | ||
| Average total assets | $1,615,400,670 | 417 |
| Average earning assets | $1,388,690,000 | 441 |
| Average equity | $335,635,670 | 245 |
| Average total loans | $1,023,425,670 | 424 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7241% | 7,044 |
| Cost of funding earning assets | 1.0938% | 3,566 |
| Net interest margin | 2.6303% | 7,099 |
| Noninterest income to average assets | 0.2024% | 6,278 |
| Noninterest expense to average assets | 3.5196% | 1,950 |
| Loan and lease loss provision to assets | 0.8176% | 1,023 |
| Net operating income to assets | -1.8761% | 7,265 |
| Return on assets (ROA) | -1.8756% | 7,263 |
| Pretax return on assets | -1.8756% | 7,230 |
| Return on Equity (ROE) | -9.4340% | 7,013 |
| Retained earnings to average equity (ytd only) | -9.4340% | 6,840 |
| Net charge-offs to loans | 3.2141% | 327 |
| Credit loss provision to net charge-offs | 41.6667% | 3,911 |
| Earnings coverage of net charge-offs (x) | -0.5394% | 4,805 |
| Efficiency ratio | 143.0078% | 200 |
| Assets per employee ($millions) | 6.1034% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0647% | 61 |
| Loan loss allowance to noncurrent loans | 51.8774% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 10.3003% | 387 |
| Noncurrent loans to loans | 13.6182% | 200 |
| Net loans and leases to total assets | 61.9525% | 3,866 |
| Net loans and leases to deposits | 90.8796% | 1,137 |
| Net loans and leases to core deposits | 112.7762% | 636 |
| Total domestic deposits to total assets | 66.5173% | 7,315 |
| Equity capital to assets | 20.7588% | 219 |
| Core capital (leverage) ratio | 15.2470% | 615 |
| Tier 1 risk-based capital ratio | 18.6059% | 1,923 |
| Total risk-based capital ratio | 19.9207% | 1,855 |
| Memoranda: | ||
| Average total assets | $1,634,067,000 | 417 |
| Average earning assets | $1,403,196,000 | 437 |
| Average equity | $324,866,000 | 245 |
| Average total loans | $997,610,000 | 439 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2451% | 6,866 |
| Cost of funding earning assets | 1.4781% | 2,770 |
| Net interest margin | 2.7670% | 7,066 |
| Noninterest income to average assets | 0.0788% | 6,993 |
| Noninterest expense to average assets | 2.4123% | 6,065 |
| Loan and lease loss provision to assets | 4.1695% | 144 |
| Net operating income to assets | -2.3172% | 7,143 |
| Return on assets (ROA) | -2.2683% | 7,146 |
| Pretax return on assets | -4.0132% | 7,438 |
| Return on Equity (ROE) | -15.3076% | 6,924 |
| Retained earnings to average equity (ytd only) | -15.3076% | 6,888 |
| Net charge-offs to loans | 4.8902% | 190 |
| Credit loss provision to net charge-offs | 133.2603% | 2,938 |
| Earnings coverage of net charge-offs (x) | 0.0256% | 6,101 |
| Efficiency ratio | 96.7914% | 935 |
| Assets per employee ($millions) | 6.0027% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8161% | 29 |
| Loan loss allowance to noncurrent loans | 78.8913% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 7.3398% | 725 |
| Noncurrent loans to loans | 11.1750% | 344 |
| Net loans and leases to total assets | 50.6552% | 6,091 |
| Net loans and leases to deposits | 69.3029% | 4,910 |
| Net loans and leases to core deposits | 87.6491% | 3,099 |
| Total domestic deposits to total assets | 71.5870% | 7,124 |
| Equity capital to assets | 19.0206% | 318 |
| Core capital (leverage) ratio | 13.4800% | 977 |
| Tier 1 risk-based capital ratio | 19.1218% | 1,688 |
| Total risk-based capital ratio | 20.4484% | 1,642 |
| Memoranda: | ||
| Average total assets | $1,780,776,200 | 383 |
| Average earning assets | $1,553,184,800 | 398 |
| Average equity | $263,882,800 | 286 |
| Average total loans | $1,139,382,000 | 392 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 7,003 |
| Cost of funding earning assets | 1.5670% | 2,568 |
| Net interest margin | 2.7027% | 7,229 |
| Noninterest income to average assets | 0.1341% | 6,882 |
| Noninterest expense to average assets | 2.3513% | 6,170 |
| Loan and lease loss provision to assets | 4.9816% | 89 |
| Net operating income to assets | -2.7527% | 7,400 |
| Return on assets (ROA) | -2.6888% | 7,408 |
| Pretax return on assets | -4.7311% | 7,618 |
| Return on Equity (ROE) | -19.3965% | 7,207 |
| Retained earnings to average equity (ytd only) | -19.3965% | 7,189 |
| Net charge-offs to loans | 5.2703% | 157 |
| Credit loss provision to net charge-offs | 143.4318% | 2,740 |
| Earnings coverage of net charge-offs (x) | 0.0434% | 5,986 |
| Efficiency ratio | 93.9809% | 999 |
| Assets per employee ($millions) | 5.8834% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9084% | 40 |
| Loan loss allowance to noncurrent loans | 56.8880% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 9.8842% | 418 |
| Noncurrent loans to loans | 13.9018% | 191 |
| Net loans and leases to total assets | 59.1849% | 5,066 |
| Net loans and leases to deposits | 79.5437% | 3,536 |
| Net loans and leases to core deposits | 114.4746% | 815 |
| Total domestic deposits to total assets | 72.4993% | 7,084 |
| Equity capital to assets | 17.6910% | 443 |
| Core capital (leverage) ratio | 11.7325% | 1,801 |
| Tier 1 risk-based capital ratio | 15.7000% | 2,903 |
| Total risk-based capital ratio | 17.0217% | 2,828 |
| Memoranda: | ||
| Average total assets | $1,813,284,000 | 379 |
| Average earning assets | $1,588,544,500 | 382 |
| Average equity | $251,358,250 | 297 |
| Average total loans | $1,194,968,500 | 378 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2104% | 7,162 |
| Cost of funding earning assets | 1.5918% | 2,705 |
| Net interest margin | 2.6185% | 7,333 |
| Noninterest income to average assets | 0.1218% | 6,993 |
| Noninterest expense to average assets | 2.3279% | 6,281 |
| Loan and lease loss provision to assets | 5.1481% | 97 |
| Net operating income to assets | -2.8841% | 7,490 |
| Return on assets (ROA) | -2.7921% | 7,487 |
| Pretax return on assets | -4.9031% | 7,677 |
| Return on Equity (ROE) | -21.8950% | 7,316 |
| Retained earnings to average equity (ytd only) | -21.8950% | 7,301 |
| Net charge-offs to loans | 7.0087% | 85 |
| Credit loss provision to net charge-offs | 110.6651% | 3,668 |
| Earnings coverage of net charge-offs (x) | 0.0218% | 5,696 |
| Efficiency ratio | 95.8317% | 974 |
| Assets per employee ($millions) | 5.9942% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7172% | 119 |
| Loan loss allowance to noncurrent loans | 34.7226% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 12.8864% | 228 |
| Noncurrent loans to loans | 16.4653% | 138 |
| Net loans and leases to total assets | 66.2711% | 3,775 |
| Net loans and leases to deposits | 91.7532% | 1,570 |
| Net loans and leases to core deposits | 149.1880% | 217 |
| Total domestic deposits to total assets | 70.2690% | 7,312 |
| Equity capital to assets | 15.4728% | 774 |
| Core capital (leverage) ratio | 9.8139% | 3,384 |
| Tier 1 risk-based capital ratio | 12.6439% | 4,739 |
| Total risk-based capital ratio | 13.9414% | 4,668 |
| Memoranda: | ||
| Average total assets | $1,874,480,330 | 371 |
| Average earning assets | $1,651,679,000 | 373 |
| Average equity | $239,041,000 | 302 |
| Average total loans | $1,244,170,000 | 364 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0983% | 7,378 |
| Cost of funding earning assets | 1.5915% | 3,010 |
| Net interest margin | 2.5069% | 7,470 |
| Noninterest income to average assets | 0.2507% | 6,146 |
| Noninterest expense to average assets | 2.0888% | 6,973 |
| Loan and lease loss provision to assets | 4.4983% | 182 |
| Net operating income to assets | -2.3407% | 7,526 |
| Return on assets (ROA) | -2.2835% | 7,525 |
| Pretax return on assets | -4.0191% | 7,692 |
| Return on Equity (ROE) | -19.6740% | 7,430 |
| Retained earnings to average equity (ytd only) | -19.6740% | 7,360 |
| Net charge-offs to loans | 8.5725% | 77 |
| Credit loss provision to net charge-offs | 81.0712% | 3,852 |
| Earnings coverage of net charge-offs (x) | 0.0702% | 4,973 |
| Efficiency ratio | 84.2741% | 1,998 |
| Assets per employee ($millions) | 6.8253% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5383% | 248 |
| Loan loss allowance to noncurrent loans | 35.1084% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 10.0720% | 392 |
| Noncurrent loans to loans | 12.9266% | 254 |
| Net loans and leases to total assets | 64.0131% | 4,325 |
| Net loans and leases to deposits | 87.4512% | 2,323 |
| Net loans and leases to core deposits | 154.8511% | 210 |
| Total domestic deposits to total assets | 71.1897% | 7,330 |
| Equity capital to assets | 13.3695% | 1,378 |
| Core capital (leverage) ratio | 9.1026% | 4,370 |
| Tier 1 risk-based capital ratio | 11.8383% | 5,363 |
| Total risk-based capital ratio | 13.1223% | 5,273 |
| Memoranda: | ||
| Average total assets | $1,978,532,000 | 360 |
| Average earning assets | $1,758,381,500 | 365 |
| Average equity | $229,643,500 | 311 |
| Average total loans | $1,280,609,000 | 372 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5489% | 7,339 |
| Cost of funding earning assets | 2.1060% | 2,428 |
| Net interest margin | 2.4429% | 7,478 |
| Noninterest income to average assets | 0.1724% | 6,844 |
| Noninterest expense to average assets | 2.1943% | 7,006 |
| Loan and lease loss provision to assets | 4.1980% | 296 |
| Net operating income to assets | -2.1445% | 7,143 |
| Return on assets (ROA) | -2.1458% | 7,141 |
| Pretax return on assets | -3.9961% | 7,523 |
| Return on Equity (ROE) | -20.9590% | 7,170 |
| Retained earnings to average equity (ytd only) | -20.9590% | 7,142 |
| Net charge-offs to loans | 3.9924% | 418 |
| Credit loss provision to net charge-offs | 159.5710% | 2,807 |
| Earnings coverage of net charge-offs (x) | 0.0775% | 6,083 |
| Efficiency ratio | 91.4994% | 1,602 |
| Assets per employee ($millions) | 7.4290% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7839% | 196 |
| Loan loss allowance to noncurrent loans | 69.3846% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 5.6905% | 1,018 |
| Noncurrent loans to loans | 6.8947% | 824 |
| Net loans and leases to total assets | 59.6260% | 5,393 |
| Net loans and leases to deposits | 79.0619% | 4,162 |
| Net loans and leases to core deposits | 114.9253% | 2,421 |
| Total domestic deposits to total assets | 73.9264% | 7,025 |
| Equity capital to assets | 10.0162% | 3,737 |
| Core capital (leverage) ratio | 7.5517% | 6,737 |
| Tier 1 risk-based capital ratio | 9.9375% | 6,929 |
| Total risk-based capital ratio | 11.2235% | 6,874 |
| Memoranda: | ||
| Average total assets | $2,076,884,400 | 343 |
| Average earning assets | $1,892,333,200 | 336 |
| Average equity | $212,634,000 | 337 |
| Average total loans | $1,368,576,600 | 361 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6115% | 7,404 |
| Cost of funding earning assets | 2.2247% | 2,290 |
| Net interest margin | 2.3868% | 7,577 |
| Noninterest income to average assets | 0.2606% | 6,367 |
| Noninterest expense to average assets | 2.1015% | 7,196 |
| Loan and lease loss provision to assets | 3.8227% | 324 |
| Net operating income to assets | -1.8081% | 7,238 |
| Return on assets (ROA) | -1.8098% | 7,238 |
| Pretax return on assets | -3.4824% | 7,610 |
| Return on Equity (ROE) | -17.5820% | 7,294 |
| Retained earnings to average equity (ytd only) | -17.5820% | 7,256 |
| Net charge-offs to loans | 3.3660% | 456 |
| Credit loss provision to net charge-offs | 170.2262% | 2,737 |
| Earnings coverage of net charge-offs (x) | 0.1528% | 5,879 |
| Efficiency ratio | 85.9661% | 2,067 |
| Assets per employee ($millions) | 6.8256% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0618% | 284 |
| Loan loss allowance to noncurrent loans | 64.8973% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 4.9867% | 1,177 |
| Noncurrent loans to loans | 6.2588% | 934 |
| Net loans and leases to total assets | 64.3749% | 4,781 |
| Net loans and leases to deposits | 86.0270% | 3,311 |
| Net loans and leases to core deposits | 135.9282% | 1,107 |
| Total domestic deposits to total assets | 72.6428% | 7,131 |
| Equity capital to assets | 11.3011% | 2,748 |
| Core capital (leverage) ratio | 9.0869% | 4,516 |
| Tier 1 risk-based capital ratio | 11.4600% | 5,471 |
| Total risk-based capital ratio | 12.7390% | 5,387 |
| Memoranda: | ||
| Average total assets | $2,076,077,500 | 353 |
| Average earning assets | $1,899,713,750 | 346 |
| Average equity | $213,705,500 | 348 |
| Average total loans | $1,385,070,250 | 371 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 7,514 |
| Cost of funding earning assets | 2.3598% | 2,124 |
| Net interest margin | 2.2541% | 7,712 |
| Noninterest income to average assets | 0.2124% | 6,783 |
| Noninterest expense to average assets | 2.1224% | 7,232 |
| Loan and lease loss provision to assets | 3.6625% | 370 |
| Net operating income to assets | -1.9509% | 7,417 |
| Return on assets (ROA) | -1.9838% | 7,422 |
| Pretax return on assets | -3.5514% | 7,686 |
| Return on Equity (ROE) | -19.8865% | 7,495 |
| Retained earnings to average equity (ytd only) | -19.8865% | 7,448 |
| Net charge-offs to loans | 2.4779% | 703 |
| Credit loss provision to net charge-offs | 221.9566% | 2,067 |
| Earnings coverage of net charge-offs (x) | 0.0985% | 5,579 |
| Efficiency ratio | 92.8854% | 1,578 |
| Assets per employee ($millions) | 6.6922% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7737% | 306 |
| Loan loss allowance to noncurrent loans | 73.6537% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 4.1498% | 1,397 |
| Noncurrent loans to loans | 5.1236% | 1,178 |
| Net loans and leases to total assets | 65.7853% | 4,613 |
| Net loans and leases to deposits | 89.5826% | 2,888 |
| Net loans and leases to core deposits | 137.2779% | 1,143 |
| Total domestic deposits to total assets | 71.7566% | 7,269 |
| Equity capital to assets | 11.7445% | 2,357 |
| Core capital (leverage) ratio | 9.1997% | 4,309 |
| Tier 1 risk-based capital ratio | 12.0679% | 4,857 |
| Total risk-based capital ratio | 13.3436% | 4,758 |
| Memoranda: | ||
| Average total assets | $2,103,740,330 | 358 |
| Average earning assets | $1,934,343,670 | 347 |
| Average equity | $209,860,670 | 358 |
| Average total loans | $1,400,970,330 | 380 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5793% | 7,637 |
| Cost of funding earning assets | 2.5003% | 1,915 |
| Net interest margin | 2.0790% | 7,864 |
| Noninterest income to average assets | 0.1503% | 7,225 |
| Noninterest expense to average assets | 1.8745% | 7,598 |
| Loan and lease loss provision to assets | 2.6424% | 426 |
| Net operating income to assets | -1.3172% | 7,421 |
| Return on assets (ROA) | -1.3109% | 7,431 |
| Pretax return on assets | -2.4356% | 7,650 |
| Return on Equity (ROE) | -14.2955% | 7,578 |
| Retained earnings to average equity (ytd only) | -14.2955% | 7,399 |
| Net charge-offs to loans | 2.5417% | 544 |
| Credit loss provision to net charge-offs | 158.0254% | 2,672 |
| Earnings coverage of net charge-offs (x) | 0.1178% | 4,885 |
| Efficiency ratio | 90.4898% | 1,685 |
| Assets per employee ($millions) | 6.2035% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4766% | 785 |
| Loan loss allowance to noncurrent loans | 63.4690% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 3.0861% | 1,829 |
| Noncurrent loans to loans | 3.9021% | 1,565 |
| Net loans and leases to total assets | 65.2003% | 4,768 |
| Net loans and leases to deposits | 85.9121% | 3,646 |
| Net loans and leases to core deposits | 148.6665% | 753 |
| Total domestic deposits to total assets | 74.0661% | 6,881 |
| Equity capital to assets | 9.2580% | 4,997 |
| Core capital (leverage) ratio | 7.3066% | 7,374 |
| Tier 1 risk-based capital ratio | 9.8341% | 7,103 |
| Total risk-based capital ratio | 11.0956% | 6,996 |
| Memoranda: | ||
| Average total assets | $2,168,504,000 | 346 |
| Average earning assets | $2,003,882,500 | 342 |
| Average equity | $198,860,000 | 368 |
| Average total loans | $1,426,618,500 | 379 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1862% | 4,586 |
| Cost of funding earning assets | 2.9205% | 2,172 |
| Net interest margin | 3.2657% | 6,157 |
| Noninterest income to average assets | -0.8704% | 8,289 |
| Noninterest expense to average assets | 1.9730% | 7,492 |
| Loan and lease loss provision to assets | 1.4044% | 988 |
| Net operating income to assets | -0.6286% | 7,023 |
| Return on assets (ROA) | -0.5909% | 6,888 |
| Pretax return on assets | -1.1790% | 7,106 |
| Return on Equity (ROE) | -5.8391% | 6,952 |
| Retained earnings to average equity (ytd only) | -5.8391% | 6,646 |
| Net charge-offs to loans | 0.8217% | 1,524 |
| Credit loss provision to net charge-offs | 255.5633% | 1,824 |
| Earnings coverage of net charge-offs (x) | 0.3029% | 6,055 |
| Efficiency ratio | 92.2210% | 1,369 |
| Assets per employee ($millions) | 6.3475% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0686% | 1,119 |
| Loan loss allowance to noncurrent loans | 62.2108% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 2.4827% | 1,961 |
| Noncurrent loans to loans | 3.3251% | 1,558 |
| Net loans and leases to total assets | 63.4314% | 5,383 |
| Net loans and leases to deposits | 82.8090% | 4,600 |
| Net loans and leases to core deposits | 138.6119% | 1,337 |
| Total domestic deposits to total assets | 74.7878% | 6,500 |
| Equity capital to assets | 9.0869% | 5,245 |
| Core capital (leverage) ratio | 8.1620% | 6,237 |
| Tier 1 risk-based capital ratio | 10.3032% | 6,414 |
| Total risk-based capital ratio | 11.5600% | 6,283 |
| Memoranda: | ||
| Average total assets | $2,093,393,400 | 345 |
| Average earning assets | $1,929,336,800 | 339 |
| Average equity | $211,848,600 | 355 |
| Average total loans | $1,400,099,200 | 375 |