Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 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 | 4.5232% | 1,466 |
| Cost of funding earning assets | 0.4351% | 2,897 |
| Net interest margin | 4.0881% | 1,382 |
| Noninterest income to average assets | 1.0760% | 1,034 |
| Noninterest expense to average assets | 2.7525% | 3,400 |
| Loan and lease loss provision to assets | 0.2259% | 835 |
| Net operating income to assets | 1.1247% | 1,860 |
| Return on assets (ROA) | 1.3112% | 1,344 |
| Pretax return on assets | 2.0355% | 561 |
| Return on Equity (ROE) | 9.6166% | 2,248 |
| Retained earnings to average equity (ytd only) | -9.2454% | 6,161 |
| Net charge-offs to loans | -0.0701% | 5,663 |
| Credit loss provision to net charge-offs | -546.2687% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2253% | 5,311 |
| Assets per employee ($millions) | 4.1668% | 3,536 |
| Cash dividends to net income (ytd only)* | 196.1400% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1669% | 6,254 |
| Loan loss allowance to noncurrent loans | 32.1129% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 4,533 |
| Noncurrent loans to loans | 0.5197% | 3,898 |
| Net loans and leases to total assets | 60.1915% | 3,802 |
| Net loans and leases to deposits | 74.0319% | 3,486 |
| Net loans and leases to core deposits | 91.0318% | 2,239 |
| Total domestic deposits to total assets | 81.3048% | 4,515 |
| Equity capital to assets | 15.5998% | 587 |
| Core capital (leverage) ratio | 10.0964% | 3,468 |
| Tier 1 risk-based capital ratio | 15.7557% | 2,975 |
| Total risk-based capital ratio | 15.9216% | 3,470 |
| Memoranda: | ||
| Average total assets | $1,944,192,330 | 394 |
| Average earning assets | $1,734,211,670 | 394 |
| Average equity | $265,082,000 | 338 |
| Average total loans | $1,147,687,670 | 434 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0872% | 2,887 |
| Cost of funding earning assets | 0.4694% | 2,571 |
| Net interest margin | 3.6178% | 2,937 |
| Noninterest income to average assets | 1.0037% | 1,116 |
| Noninterest expense to average assets | 2.5982% | 3,933 |
| Loan and lease loss provision to assets | 0.1967% | 944 |
| Net operating income to assets | 0.9510% | 2,501 |
| Return on assets (ROA) | 1.3197% | 1,298 |
| Pretax return on assets | 2.0537% | 534 |
| Return on Equity (ROE) | 10.4034% | 1,831 |
| Retained earnings to average equity (ytd only) | -29.6899% | 6,338 |
| Net charge-offs to loans | -0.1400% | 5,958 |
| Credit loss provision to net charge-offs | -240.5473% | 4,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1038% | 5,083 |
| Assets per employee ($millions) | 4.2396% | 3,485 |
| Cash dividends to net income (ytd only)* | 385.3862% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0586% | 6,349 |
| Loan loss allowance to noncurrent loans | 12.7925% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 4,790 |
| Noncurrent loans to loans | 0.4579% | 4,211 |
| Net loans and leases to total assets | 56.6269% | 4,132 |
| Net loans and leases to deposits | 72.6147% | 3,478 |
| Net loans and leases to core deposits | 90.0654% | 2,120 |
| Total domestic deposits to total assets | 77.9827% | 5,452 |
| Equity capital to assets | 14.5997% | 804 |
| Core capital (leverage) ratio | 9.6352% | 4,104 |
| Tier 1 risk-based capital ratio | 15.4268% | 3,183 |
| Total risk-based capital ratio | 15.4857% | 3,785 |
| Memoranda: | ||
| Average total assets | $1,966,247,000 | 385 |
| Average earning assets | $1,776,566,000 | 390 |
| Average equity | $249,418,000 | 354 |
| Average total loans | $1,148,731,500 | 431 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 2,827 |
| Cost of funding earning assets | 0.5393% | 2,294 |
| Net interest margin | 3.6973% | 3,018 |
| Noninterest income to average assets | 1.0613% | 1,078 |
| Noninterest expense to average assets | 2.7080% | 3,831 |
| Loan and lease loss provision to assets | 0.0785% | 2,913 |
| Net operating income to assets | 1.1315% | 1,856 |
| Return on assets (ROA) | 1.1597% | 1,795 |
| Pretax return on assets | 1.7702% | 849 |
| Return on Equity (ROE) | 11.5347% | 1,546 |
| Retained earnings to average equity (ytd only) | 5.3410% | 2,377 |
| Net charge-offs to loans | 0.2022% | 2,048 |
| Credit loss provision to net charge-offs | 65.5546% | 3,171 |
| Earnings coverage of net charge-offs (x) | 15.0780% | 2,112 |
| Efficiency ratio | 59.7381% | 5,256 |
| Assets per employee ($millions) | 4.0568% | 3,818 |
| Cash dividends to net income (ytd only)* | 53.6961% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 3,330 |
| Loan loss allowance to noncurrent loans | 355.7549% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 4,949 |
| Noncurrent loans to loans | 0.3704% | 4,543 |
| Net loans and leases to total assets | 59.4703% | 3,851 |
| Net loans and leases to deposits | 76.2885% | 3,172 |
| Net loans and leases to core deposits | 96.3333% | 1,689 |
| Total domestic deposits to total assets | 77.9545% | 5,446 |
| Equity capital to assets | 10.6840% | 3,257 |
| Core capital (leverage) ratio | 10.4364% | 3,014 |
| Tier 1 risk-based capital ratio | 16.4019% | 2,762 |
| Total risk-based capital ratio | 17.6520% | 2,703 |
| Memoranda: | ||
| Average total assets | $1,926,968,800 | 381 |
| Average earning assets | $1,799,497,600 | 370 |
| Average equity | $193,746,200 | 414 |
| Average total loans | $1,141,702,000 | 412 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2476% | 2,816 |
| Cost of funding earning assets | 0.5469% | 2,319 |
| Net interest margin | 3.7007% | 3,020 |
| Noninterest income to average assets | 1.1074% | 990 |
| Noninterest expense to average assets | 2.6927% | 3,849 |
| Loan and lease loss provision to assets | 0.0742% | 2,857 |
| Net operating income to assets | 1.1644% | 1,809 |
| Return on assets (ROA) | 1.2002% | 1,749 |
| Pretax return on assets | 1.8526% | 799 |
| Return on Equity (ROE) | 12.1262% | 1,449 |
| Retained earnings to average equity (ytd only) | 5.1391% | 2,993 |
| Net charge-offs to loans | 0.1880% | 1,962 |
| Credit loss provision to net charge-offs | 66.8953% | 2,817 |
| Earnings coverage of net charge-offs (x) | 16.8735% | 1,940 |
| Efficiency ratio | 58.7422% | 5,345 |
| Assets per employee ($millions) | 4.1484% | 3,566 |
| Cash dividends to net income (ytd only)* | 57.6203% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 3,435 |
| Loan loss allowance to noncurrent loans | 257.1689% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 4,751 |
| Noncurrent loans to loans | 0.5221% | 4,369 |
| Net loans and leases to total assets | 59.1656% | 3,911 |
| Net loans and leases to deposits | 74.4390% | 3,383 |
| Net loans and leases to core deposits | 95.1472% | 1,743 |
| Total domestic deposits to total assets | 79.4820% | 5,230 |
| Equity capital to assets | 10.2443% | 3,867 |
| Core capital (leverage) ratio | 10.1415% | 3,480 |
| Tier 1 risk-based capital ratio | 16.0296% | 3,044 |
| Total risk-based capital ratio | 17.2798% | 2,997 |
| Memoranda: | ||
| Average total assets | $1,927,976,500 | 376 |
| Average earning assets | $1,801,027,500 | 365 |
| Average equity | $190,821,000 | 415 |
| Average total loans | $1,137,416,000 | 412 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 2,840 |
| Cost of funding earning assets | 0.5503% | 2,346 |
| Net interest margin | 3.6810% | 3,026 |
| Noninterest income to average assets | 1.0818% | 1,018 |
| Noninterest expense to average assets | 2.6466% | 4,068 |
| Loan and lease loss provision to assets | 0.0592% | 3,087 |
| Net operating income to assets | 1.1745% | 1,672 |
| Return on assets (ROA) | 1.2276% | 1,568 |
| Pretax return on assets | 1.8965% | 693 |
| Return on Equity (ROE) | 12.5501% | 1,300 |
| Retained earnings to average equity (ytd only) | 9.3680% | 858 |
| Net charge-offs to loans | 0.1362% | 2,306 |
| Credit loss provision to net charge-offs | 74.1558% | 2,400 |
| Earnings coverage of net charge-offs (x) | 23.4571% | 1,469 |
| Efficiency ratio | 58.2901% | 5,520 |
| Assets per employee ($millions) | 3.8746% | 4,120 |
| Cash dividends to net income (ytd only)* | 25.3550% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 3,466 |
| Loan loss allowance to noncurrent loans | 236.7910% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 4,331 |
| Noncurrent loans to loans | 0.5812% | 4,279 |
| Net loans and leases to total assets | 58.5636% | 3,914 |
| Net loans and leases to deposits | 73.0997% | 3,440 |
| Net loans and leases to core deposits | 94.3782% | 1,742 |
| Total domestic deposits to total assets | 80.1147% | 5,207 |
| Equity capital to assets | 10.1957% | 3,831 |
| Core capital (leverage) ratio | 10.2939% | 3,224 |
| Tier 1 risk-based capital ratio | 16.1206% | 3,025 |
| Total risk-based capital ratio | 17.3712% | 2,971 |
| Memoranda: | ||
| Average total assets | $1,927,628,670 | 375 |
| Average earning assets | $1,800,763,670 | 364 |
| Average equity | $188,556,330 | 420 |
| Average total loans | $1,130,938,330 | 411 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1979% | 2,884 |
| Cost of funding earning assets | 0.5603% | 2,342 |
| Net interest margin | 3.6376% | 3,108 |
| Noninterest income to average assets | 1.0129% | 1,106 |
| Noninterest expense to average assets | 2.5620% | 4,407 |
| Loan and lease loss provision to assets | 0.0346% | 3,361 |
| Net operating income to assets | 1.1652% | 1,579 |
| Return on assets (ROA) | 1.2615% | 1,369 |
| Pretax return on assets | 1.9683% | 570 |
| Return on Equity (ROE) | 13.1785% | 1,119 |
| Retained earnings to average equity (ytd only) | 6.6523% | 2,211 |
| Net charge-offs to loans | 0.0782% | 2,368 |
| Credit loss provision to net charge-offs | 75.7991% | 1,950 |
| Earnings coverage of net charge-offs (x) | 40.6164% | 866 |
| Efficiency ratio | 57.7790% | 5,669 |
| Assets per employee ($millions) | 3.8471% | 4,237 |
| Cash dividends to net income (ytd only)* | 49.5213% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4182% | 3,509 |
| Loan loss allowance to noncurrent loans | 245.8314% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.5530% | 4,495 |
| Noncurrent loans to loans | 0.5769% | 4,434 |
| Net loans and leases to total assets | 57.7449% | 3,890 |
| Net loans and leases to deposits | 69.9310% | 3,608 |
| Net loans and leases to core deposits | 89.3806% | 1,970 |
| Total domestic deposits to total assets | 82.5741% | 4,763 |
| Equity capital to assets | 9.7305% | 4,194 |
| Core capital (leverage) ratio | 10.0705% | 3,469 |
| Tier 1 risk-based capital ratio | 15.9319% | 3,199 |
| Total risk-based capital ratio | 17.1829% | 3,157 |
| Memoranda: | ||
| Average total assets | $1,920,844,000 | 380 |
| Average earning assets | $1,796,144,000 | 364 |
| Average equity | $183,875,500 | 423 |
| Average total loans | $1,120,057,500 | 409 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2477% | 3,159 |
| Cost of funding earning assets | 0.6939% | 1,866 |
| Net interest margin | 3.5538% | 3,662 |
| Noninterest income to average assets | 1.1109% | 1,137 |
| Noninterest expense to average assets | 2.8729% | 3,451 |
| Loan and lease loss provision to assets | 0.0537% | 4,067 |
| Net operating income to assets | 1.0008% | 2,320 |
| Return on assets (ROA) | 1.0218% | 2,299 |
| Pretax return on assets | 1.5332% | 1,344 |
| Return on Equity (ROE) | 10.1884% | 2,033 |
| Retained earnings to average equity (ytd only) | 7.9957% | 1,061 |
| Net charge-offs to loans | 0.0650% | 4,300 |
| Credit loss provision to net charge-offs | 145.1709% | 1,606 |
| Earnings coverage of net charge-offs (x) | 42.0386% | 909 |
| Efficiency ratio | 64.6219% | 4,794 |
| Assets per employee ($millions) | 3.8210% | 4,220 |
| Cash dividends to net income (ytd only)* | 21.5216% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 3,440 |
| Loan loss allowance to noncurrent loans | 237.2120% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 4,236 |
| Noncurrent loans to loans | 0.6095% | 4,453 |
| Net loans and leases to total assets | 57.2048% | 4,167 |
| Net loans and leases to deposits | 70.3843% | 3,734 |
| Net loans and leases to core deposits | 88.5954% | 2,178 |
| Total domestic deposits to total assets | 81.2750% | 5,101 |
| Equity capital to assets | 9.4137% | 4,534 |
| Core capital (leverage) ratio | 10.0150% | 3,544 |
| Tier 1 risk-based capital ratio | 15.7578% | 3,220 |
| Total risk-based capital ratio | 17.0089% | 3,178 |
| Memoranda: | ||
| Average total assets | $1,818,911,000 | 380 |
| Average earning assets | $1,697,945,000 | 371 |
| Average equity | $182,424,000 | 420 |
| Average total loans | $1,035,794,200 | 421 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 3,291 |
| Cost of funding earning assets | 0.7187% | 1,819 |
| Net interest margin | 3.5069% | 3,854 |
| Noninterest income to average assets | 1.1714% | 1,069 |
| Noninterest expense to average assets | 2.8912% | 3,331 |
| Loan and lease loss provision to assets | 0.0913% | 3,241 |
| Net operating income to assets | 0.9755% | 2,485 |
| Return on assets (ROA) | 1.0009% | 2,458 |
| Pretax return on assets | 1.4999% | 1,607 |
| Return on Equity (ROE) | 9.8188% | 2,255 |
| Retained earnings to average equity (ytd only) | 6.9041% | 1,921 |
| Net charge-offs to loans | 0.1255% | 3,272 |
| Credit loss provision to net charge-offs | 128.4222% | 1,839 |
| Earnings coverage of net charge-offs (x) | 21.8526% | 1,530 |
| Efficiency ratio | 64.8016% | 4,676 |
| Assets per employee ($millions) | 3.7224% | 4,410 |
| Cash dividends to net income (ytd only)* | 29.6846% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4761% | 3,559 |
| Loan loss allowance to noncurrent loans | 220.0686% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.8081% | 4,084 |
| Noncurrent loans to loans | 0.6707% | 4,524 |
| Net loans and leases to total assets | 57.1521% | 4,150 |
| Net loans and leases to deposits | 70.5556% | 3,708 |
| Net loans and leases to core deposits | 86.9703% | 2,286 |
| Total domestic deposits to total assets | 81.0029% | 5,211 |
| Equity capital to assets | 9.3911% | 4,687 |
| Core capital (leverage) ratio | 10.1630% | 3,455 |
| Tier 1 risk-based capital ratio | 15.5294% | 3,456 |
| Total risk-based capital ratio | 16.7807% | 3,415 |
| Memoranda: | ||
| Average total assets | $1,795,064,250 | 385 |
| Average earning assets | $1,675,386,250 | 374 |
| Average equity | $182,978,250 | 418 |
| Average total loans | $1,016,959,250 | 426 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 3,283 |
| Cost of funding earning assets | 0.7519% | 1,695 |
| Net interest margin | 3.4672% | 3,938 |
| Noninterest income to average assets | 1.1924% | 1,069 |
| Noninterest expense to average assets | 2.8884% | 3,366 |
| Loan and lease loss provision to assets | 0.0522% | 3,939 |
| Net operating income to assets | 0.9949% | 2,350 |
| Return on assets (ROA) | 1.0258% | 2,334 |
| Pretax return on assets | 1.5346% | 1,527 |
| Return on Equity (ROE) | 9.7918% | 2,280 |
| Retained earnings to average equity (ytd only) | 9.7918% | 892 |
| Net charge-offs to loans | 0.0901% | 3,467 |
| Credit loss provision to net charge-offs | 103.1250% | 2,147 |
| Earnings coverage of net charge-offs (x) | 30.4241% | 1,134 |
| Efficiency ratio | 64.9737% | 4,712 |
| Assets per employee ($millions) | 3.5957% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 3,337 |
| Loan loss allowance to noncurrent loans | 213.5951% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.8641% | 4,083 |
| Noncurrent loans to loans | 0.7280% | 4,468 |
| Net loans and leases to total assets | 55.2140% | 4,416 |
| Net loans and leases to deposits | 66.2017% | 4,245 |
| Net loans and leases to core deposits | 80.8999% | 2,925 |
| Total domestic deposits to total assets | 83.4028% | 4,547 |
| Equity capital to assets | 10.0588% | 3,842 |
| Core capital (leverage) ratio | 10.3138% | 3,084 |
| Tier 1 risk-based capital ratio | 16.4294% | 2,969 |
| Total risk-based capital ratio | 17.6815% | 2,926 |
| Memoranda: | ||
| Average total assets | $1,769,300,330 | 391 |
| Average earning assets | $1,651,655,670 | 378 |
| Average equity | $185,359,330 | 412 |
| Average total loans | $993,905,000 | 428 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 3,344 |
| Cost of funding earning assets | 0.7726% | 1,692 |
| Net interest margin | 3.4190% | 4,049 |
| Noninterest income to average assets | 1.1634% | 1,107 |
| Noninterest expense to average assets | 2.9119% | 3,299 |
| Loan and lease loss provision to assets | 0.0565% | 3,694 |
| Net operating income to assets | 0.9318% | 2,512 |
| Return on assets (ROA) | 0.9529% | 2,568 |
| Pretax return on assets | 1.4206% | 1,797 |
| Return on Equity (ROE) | 8.9119% | 2,522 |
| Retained earnings to average equity (ytd only) | 8.9119% | 1,408 |
| Net charge-offs to loans | 0.1094% | 2,782 |
| Credit loss provision to net charge-offs | 91.8216% | 1,993 |
| Earnings coverage of net charge-offs (x) | 23.5056% | 1,103 |
| Efficiency ratio | 66.6264% | 4,551 |
| Assets per employee ($millions) | 3.5482% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6078% | 3,370 |
| Loan loss allowance to noncurrent loans | 124.4111% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.1292% | 3,681 |
| Noncurrent loans to loans | 1.2924% | 3,621 |
| Net loans and leases to total assets | 54.7249% | 4,288 |
| Net loans and leases to deposits | 64.4355% | 4,264 |
| Net loans and leases to core deposits | 77.9730% | 3,065 |
| Total domestic deposits to total assets | 84.9297% | 4,076 |
| Equity capital to assets | 10.6850% | 3,339 |
| Core capital (leverage) ratio | 10.1536% | 3,211 |
| Tier 1 risk-based capital ratio | 16.7307% | 2,892 |
| Total risk-based capital ratio | 17.9875% | 2,860 |
| Memoranda: | ||
| Average total assets | $1,749,627,000 | 399 |
| Average earning assets | $1,634,492,000 | 389 |
| Average equity | $187,075,000 | 417 |
| Average total loans | $983,657,000 | 434 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 3,309 |
| Cost of funding earning assets | 0.9973% | 1,376 |
| Net interest margin | 3.5259% | 4,394 |
| Noninterest income to average assets | 1.0627% | 1,372 |
| Noninterest expense to average assets | 2.8994% | 3,645 |
| Loan and lease loss provision to assets | 0.0908% | 4,552 |
| Net operating income to assets | 1.0231% | 2,240 |
| Return on assets (ROA) | 1.0421% | 2,359 |
| Pretax return on assets | 1.3854% | 2,088 |
| Return on Equity (ROE) | 9.9657% | 2,181 |
| Retained earnings to average equity (ytd only) | 8.5607% | 947 |
| Net charge-offs to loans | 0.4955% | 2,257 |
| Credit loss provision to net charge-offs | 32.6018% | 5,074 |
| Earnings coverage of net charge-offs (x) | 5.2093% | 3,108 |
| Efficiency ratio | 66.1483% | 4,471 |
| Assets per employee ($millions) | 3.6087% | 4,759 |
| Cash dividends to net income (ytd only)* | 14.0988% | 3,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 3,350 |
| Loan loss allowance to noncurrent loans | 197.5432% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.8896% | 4,265 |
| Noncurrent loans to loans | 0.8071% | 4,577 |
| Net loans and leases to total assets | 55.9238% | 4,302 |
| Net loans and leases to deposits | 66.8323% | 4,160 |
| Net loans and leases to core deposits | 81.5946% | 2,810 |
| Total domestic deposits to total assets | 83.6778% | 4,459 |
| Equity capital to assets | 10.6996% | 3,286 |
| Core capital (leverage) ratio | 10.0653% | 3,317 |
| Tier 1 risk-based capital ratio | 16.2906% | 3,000 |
| Total risk-based capital ratio | 17.5449% | 2,957 |
| Memoranda: | ||
| Average total assets | $1,701,492,200 | 405 |
| Average earning assets | $1,586,531,000 | 388 |
| Average equity | $177,929,600 | 424 |
| Average total loans | $956,426,000 | 434 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 3,286 |
| Cost of funding earning assets | 1.0495% | 1,284 |
| Net interest margin | 3.5310% | 4,522 |
| Noninterest income to average assets | 1.0624% | 1,338 |
| Noninterest expense to average assets | 2.8571% | 3,765 |
| Loan and lease loss provision to assets | 0.0875% | 4,512 |
| Net operating income to assets | 0.9656% | 2,682 |
| Return on assets (ROA) | 0.9813% | 2,831 |
| Pretax return on assets | 1.4316% | 2,141 |
| Return on Equity (ROE) | 9.4400% | 2,618 |
| Retained earnings to average equity (ytd only) | 7.5449% | 1,828 |
| Net charge-offs to loans | 0.3402% | 2,753 |
| Credit loss provision to net charge-offs | 45.9091% | 4,494 |
| Earnings coverage of net charge-offs (x) | 7.8475% | 2,541 |
| Efficiency ratio | 65.1252% | 4,607 |
| Assets per employee ($millions) | 3.6475% | 4,662 |
| Cash dividends to net income (ytd only)* | 20.0755% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 2,722 |
| Loan loss allowance to noncurrent loans | 232.8758% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.9126% | 4,451 |
| Noncurrent loans to loans | 0.7827% | 4,846 |
| Net loans and leases to total assets | 55.0863% | 4,584 |
| Net loans and leases to deposits | 65.6860% | 4,507 |
| Net loans and leases to core deposits | 80.8127% | 3,106 |
| Total domestic deposits to total assets | 83.8631% | 4,290 |
| Equity capital to assets | 10.6080% | 3,725 |
| Core capital (leverage) ratio | 9.7476% | 3,876 |
| Tier 1 risk-based capital ratio | 16.0572% | 3,236 |
| Total risk-based capital ratio | 17.3130% | 3,203 |
| Memoranda: | ||
| Average total assets | $1,692,022,750 | 404 |
| Average earning assets | $1,577,137,500 | 389 |
| Average equity | $175,885,500 | 427 |
| Average total loans | $948,412,000 | 436 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 3,123 |
| Cost of funding earning assets | 1.1040% | 1,206 |
| Net interest margin | 3.5499% | 4,463 |
| Noninterest income to average assets | 0.9793% | 1,518 |
| Noninterest expense to average assets | 2.8178% | 3,945 |
| Loan and lease loss provision to assets | 0.0671% | 4,790 |
| Net operating income to assets | 0.9630% | 2,607 |
| Return on assets (ROA) | 0.9792% | 2,788 |
| Pretax return on assets | 1.4237% | 2,114 |
| Return on Equity (ROE) | 9.4865% | 2,576 |
| Retained earnings to average equity (ytd only) | 9.4865% | 1,118 |
| Net charge-offs to loans | 0.3130% | 2,778 |
| Credit loss provision to net charge-offs | 38.2632% | 4,304 |
| Earnings coverage of net charge-offs (x) | 8.3664% | 2,308 |
| Efficiency ratio | 65.2450% | 4,678 |
| Assets per employee ($millions) | 3.6773% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8892% | 2,590 |
| Loan loss allowance to noncurrent loans | 199.8671% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 1.0632% | 4,254 |
| Noncurrent loans to loans | 0.9452% | 4,620 |
| Net loans and leases to total assets | 54.6840% | 4,677 |
| Net loans and leases to deposits | 64.7934% | 4,666 |
| Net loans and leases to core deposits | 79.6074% | 3,269 |
| Total domestic deposits to total assets | 84.3975% | 4,144 |
| Equity capital to assets | 10.4748% | 3,719 |
| Core capital (leverage) ratio | 9.8622% | 3,634 |
| Tier 1 risk-based capital ratio | 15.9817% | 3,175 |
| Total risk-based capital ratio | 17.2395% | 3,140 |
| Memoranda: | ||
| Average total assets | $1,680,944,670 | 408 |
| Average earning assets | $1,565,351,000 | 392 |
| Average equity | $173,509,000 | 432 |
| Average total loans | $941,874,000 | 442 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7531% | 2,837 |
| Cost of funding earning assets | 1.1992% | 991 |
| Net interest margin | 3.5538% | 4,470 |
| Noninterest income to average assets | 0.9451% | 1,580 |
| Noninterest expense to average assets | 2.7836% | 4,109 |
| Loan and lease loss provision to assets | 0.0211% | 5,073 |
| Net operating income to assets | 1.0005% | 2,480 |
| Return on assets (ROA) | 1.0234% | 2,577 |
| Pretax return on assets | 1.4812% | 1,922 |
| Return on Equity (ROE) | 9.9910% | 2,409 |
| Retained earnings to average equity (ytd only) | 9.9910% | 1,271 |
| Net charge-offs to loans | 0.2643% | 2,608 |
| Credit loss provision to net charge-offs | 14.2395% | 3,853 |
| Earnings coverage of net charge-offs (x) | 9.8932% | 1,804 |
| Efficiency ratio | 64.9395% | 4,751 |
| Assets per employee ($millions) | 3.7316% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9846% | 2,402 |
| Loan loss allowance to noncurrent loans | 289.9135% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 1.1375% | 4,230 |
| Noncurrent loans to loans | 0.6846% | 5,291 |
| Net loans and leases to total assets | 54.0657% | 4,709 |
| Net loans and leases to deposits | 63.2276% | 4,741 |
| Net loans and leases to core deposits | 76.7123% | 3,521 |
| Total domestic deposits to total assets | 85.5097% | 3,785 |
| Equity capital to assets | 10.2419% | 3,799 |
| Core capital (leverage) ratio | 9.7701% | 3,683 |
| Tier 1 risk-based capital ratio | 15.7903% | 3,290 |
| Total risk-based capital ratio | 17.0481% | 3,255 |
| Memoranda: | ||
| Average total assets | $1,664,601,000 | 409 |
| Average earning assets | $1,549,317,000 | 395 |
| Average equity | $170,514,000 | 437 |
| Average total loans | $935,247,500 | 445 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2077% | 2,025 |
| Cost of funding earning assets | 1.3992% | 1,045 |
| Net interest margin | 3.8086% | 3,776 |
| Noninterest income to average assets | 0.9163% | 1,620 |
| Noninterest expense to average assets | 2.8268% | 4,250 |
| Loan and lease loss provision to assets | 0.4513% | 2,341 |
| Net operating income to assets | 0.8044% | 3,017 |
| Return on assets (ROA) | 0.8146% | 3,146 |
| Pretax return on assets | 1.1816% | 2,519 |
| Return on Equity (ROE) | 8.3304% | 2,749 |
| Retained earnings to average equity (ytd only) | 8.3199% | 978 |
| Net charge-offs to loans | 0.6339% | 2,556 |
| Credit loss provision to net charge-offs | 115.1017% | 2,835 |
| Earnings coverage of net charge-offs (x) | 4.1268% | 3,254 |
| Efficiency ratio | 63.0590% | 5,286 |
| Assets per employee ($millions) | 3.8463% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.1253% | 4,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0118% | 2,238 |
| Loan loss allowance to noncurrent loans | 345.2459% | 967 |
| Noncurrent assets plus other real estate owned to assets | 1.1139% | 4,379 |
| Noncurrent loans to loans | 0.5827% | 5,543 |
| Net loans and leases to total assets | 56.0800% | 4,682 |
| Net loans and leases to deposits | 66.2740% | 4,695 |
| Net loans and leases to core deposits | 80.4941% | 3,387 |
| Total domestic deposits to total assets | 84.6185% | 4,038 |
| Equity capital to assets | 10.2452% | 3,858 |
| Core capital (leverage) ratio | 9.7975% | 3,609 |
| Tier 1 risk-based capital ratio | 15.6691% | 3,227 |
| Total risk-based capital ratio | 16.9278% | 3,183 |
| Memoranda: | ||
| Average total assets | $1,567,092,000 | 423 |
| Average earning assets | $1,451,942,600 | 410 |
| Average equity | $153,234,600 | 457 |
| Average total loans | $969,425,200 | 433 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3044% | 1,839 |
| Cost of funding earning assets | 1.4535% | 1,011 |
| Net interest margin | 3.8509% | 3,609 |
| Noninterest income to average assets | 0.8769% | 1,732 |
| Noninterest expense to average assets | 2.8270% | 4,245 |
| Loan and lease loss provision to assets | 0.5652% | 1,738 |
| Net operating income to assets | 0.7233% | 3,490 |
| Return on assets (ROA) | 0.7400% | 3,597 |
| Pretax return on assets | 1.0713% | 3,122 |
| Return on Equity (ROE) | 7.6653% | 3,195 |
| Retained earnings to average equity (ytd only) | 7.6511% | 1,644 |
| Net charge-offs to loans | 0.6987% | 2,162 |
| Credit loss provision to net charge-offs | 128.2056% | 2,488 |
| Earnings coverage of net charge-offs (x) | 3.6570% | 3,347 |
| Efficiency ratio | 63.1403% | 5,209 |
| Assets per employee ($millions) | 3.7440% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.1863% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0138% | 2,297 |
| Loan loss allowance to noncurrent loans | 288.4724% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 1.2047% | 4,384 |
| Noncurrent loans to loans | 0.6981% | 5,489 |
| Net loans and leases to total assets | 59.1177% | 4,302 |
| Net loans and leases to deposits | 70.2619% | 4,255 |
| Net loans and leases to core deposits | 86.6993% | 2,687 |
| Total domestic deposits to total assets | 84.1391% | 4,162 |
| Equity capital to assets | 10.2765% | 3,992 |
| Core capital (leverage) ratio | 9.7621% | 3,752 |
| Tier 1 risk-based capital ratio | 14.8732% | 3,740 |
| Total risk-based capital ratio | 16.1334% | 3,703 |
| Memoranda: | ||
| Average total assets | $1,547,308,000 | 431 |
| Average earning assets | $1,431,316,750 | 415 |
| Average equity | $149,378,500 | 476 |
| Average total loans | $976,241,750 | 432 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3400% | 1,744 |
| Cost of funding earning assets | 1.4891% | 1,041 |
| Net interest margin | 3.8509% | 3,531 |
| Noninterest income to average assets | 0.8355% | 1,863 |
| Noninterest expense to average assets | 2.8188% | 4,349 |
| Loan and lease loss provision to assets | 0.4794% | 2,066 |
| Net operating income to assets | 0.7610% | 3,240 |
| Return on assets (ROA) | 0.7621% | 3,369 |
| Pretax return on assets | 1.0962% | 2,866 |
| Return on Equity (ROE) | 8.0759% | 2,918 |
| Retained earnings to average equity (ytd only) | 8.0537% | 1,446 |
| Net charge-offs to loans | 0.3445% | 3,182 |
| Credit loss provision to net charge-offs | 217.2496% | 1,374 |
| Earnings coverage of net charge-offs (x) | 7.1328% | 2,265 |
| Efficiency ratio | 63.6085% | 5,318 |
| Assets per employee ($millions) | 3.6293% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.2746% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0526% | 2,230 |
| Loan loss allowance to noncurrent loans | 161.3096% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 1.4628% | 4,024 |
| Noncurrent loans to loans | 1.2725% | 4,543 |
| Net loans and leases to total assets | 61.4515% | 3,999 |
| Net loans and leases to deposits | 72.4663% | 4,045 |
| Net loans and leases to core deposits | 90.8279% | 2,278 |
| Total domestic deposits to total assets | 84.8001% | 3,968 |
| Equity capital to assets | 9.6854% | 4,559 |
| Core capital (leverage) ratio | 9.1447% | 4,495 |
| Tier 1 risk-based capital ratio | 13.8613% | 4,260 |
| Total risk-based capital ratio | 15.1229% | 4,223 |
| Memoranda: | ||
| Average total assets | $1,528,938,670 | 444 |
| Average earning assets | $1,412,397,000 | 432 |
| Average equity | $144,280,670 | 493 |
| Average total loans | $979,395,330 | 442 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2989% | 1,868 |
| Cost of funding earning assets | 1.5237% | 1,078 |
| Net interest margin | 3.7752% | 3,733 |
| Noninterest income to average assets | 0.8634% | 1,802 |
| Noninterest expense to average assets | 2.9171% | 3,992 |
| Loan and lease loss provision to assets | 0.3515% | 2,448 |
| Net operating income to assets | 0.7500% | 3,271 |
| Return on assets (ROA) | 0.7500% | 3,337 |
| Pretax return on assets | 1.0723% | 2,862 |
| Return on Equity (ROE) | 8.0568% | 2,884 |
| Retained earnings to average equity (ytd only) | 8.0115% | 1,729 |
| Net charge-offs to loans | 0.1507% | 3,584 |
| Credit loss provision to net charge-offs | 360.2703% | 908 |
| Earnings coverage of net charge-offs (x) | 14.5919% | 1,359 |
| Efficiency ratio | 66.6221% | 4,921 |
| Assets per employee ($millions) | 3.7060% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.5626% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9343% | 2,581 |
| Loan loss allowance to noncurrent loans | 159.3705% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 1.4815% | 4,032 |
| Noncurrent loans to loans | 1.2137% | 4,658 |
| Net loans and leases to total assets | 61.8516% | 3,886 |
| Net loans and leases to deposits | 72.4222% | 4,001 |
| Net loans and leases to core deposits | 91.1109% | 2,227 |
| Total domestic deposits to total assets | 85.4041% | 3,834 |
| Equity capital to assets | 9.2023% | 4,870 |
| Core capital (leverage) ratio | 8.8752% | 4,814 |
| Tier 1 risk-based capital ratio | 13.0466% | 4,794 |
| Total risk-based capital ratio | 14.3058% | 4,768 |
| Memoranda: | ||
| Average total assets | $1,516,735,000 | 449 |
| Average earning assets | $1,397,130,500 | 440 |
| Average equity | $141,197,500 | 500 |
| Average total loans | $981,814,000 | 448 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7073% | 1,544 |
| Cost of funding earning assets | 1.8074% | 1,139 |
| Net interest margin | 3.8998% | 3,492 |
| Noninterest income to average assets | 0.7175% | 2,738 |
| Noninterest expense to average assets | 3.0430% | 3,679 |
| Loan and lease loss provision to assets | 0.6231% | 2,646 |
| Net operating income to assets | 0.4444% | 4,345 |
| Return on assets (ROA) | 0.5506% | 4,040 |
| Pretax return on assets | 0.7813% | 3,693 |
| Return on Equity (ROE) | 5.8667% | 3,668 |
| Retained earnings to average equity (ytd only) | 5.8550% | 1,907 |
| Net charge-offs to loans | 1.2748% | 1,760 |
| Credit loss provision to net charge-offs | 71.7809% | 5,817 |
| Earnings coverage of net charge-offs (x) | 1.4430% | 4,675 |
| Efficiency ratio | 70.2043% | 4,137 |
| Assets per employee ($millions) | 3.4999% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.1994% | 3,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8358% | 2,732 |
| Loan loss allowance to noncurrent loans | 150.9462% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 1.7025% | 3,746 |
| Noncurrent loans to loans | 1.2162% | 4,697 |
| Net loans and leases to total assets | 65.2616% | 3,608 |
| Net loans and leases to deposits | 75.3854% | 3,942 |
| Net loans and leases to core deposits | 96.6169% | 1,930 |
| Total domestic deposits to total assets | 86.5706% | 3,048 |
| Equity capital to assets | 9.4221% | 4,514 |
| Core capital (leverage) ratio | 9.0339% | 4,481 |
| Tier 1 risk-based capital ratio | 12.9183% | 4,669 |
| Total risk-based capital ratio | 14.1747% | 4,638 |
| Memoranda: | ||
| Average total assets | $1,457,372,200 | 463 |
| Average earning assets | $1,337,133,000 | 460 |
| Average equity | $136,790,000 | 506 |
| Average total loans | $992,391,800 | 450 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7594% | 1,515 |
| Cost of funding earning assets | 1.8547% | 1,191 |
| Net interest margin | 3.9047% | 3,509 |
| Noninterest income to average assets | 0.5825% | 3,563 |
| Noninterest expense to average assets | 2.9808% | 3,818 |
| Loan and lease loss provision to assets | 0.6231% | 2,439 |
| Net operating income to assets | 0.3952% | 4,769 |
| Return on assets (ROA) | 0.5419% | 4,295 |
| Pretax return on assets | 0.7653% | 4,033 |
| Return on Equity (ROE) | 5.7787% | 3,911 |
| Retained earnings to average equity (ytd only) | 5.7787% | 2,486 |
| Net charge-offs to loans | 1.3311% | 1,527 |
| Credit loss provision to net charge-offs | 68.3310% | 5,466 |
| Earnings coverage of net charge-offs (x) | 1.2961% | 4,783 |
| Efficiency ratio | 70.9441% | 3,891 |
| Assets per employee ($millions) | 3.4447% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8517% | 2,626 |
| Loan loss allowance to noncurrent loans | 243.5965% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 1.2075% | 4,731 |
| Noncurrent loans to loans | 0.7601% | 5,682 |
| Net loans and leases to total assets | 66.3315% | 3,613 |
| Net loans and leases to deposits | 77.3077% | 3,959 |
| Net loans and leases to core deposits | 98.9901% | 1,940 |
| Total domestic deposits to total assets | 85.8019% | 3,186 |
| Equity capital to assets | 9.5359% | 4,786 |
| Core capital (leverage) ratio | 8.9699% | 4,740 |
| Tier 1 risk-based capital ratio | 12.7580% | 4,768 |
| Total risk-based capital ratio | 14.0145% | 4,739 |
| Memoranda: | ||
| Average total assets | $1,452,473,750 | 461 |
| Average earning assets | $1,331,715,250 | 458 |
| Average equity | $136,197,250 | 498 |
| Average total loans | $995,010,500 | 449 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7700% | 1,510 |
| Cost of funding earning assets | 1.8849% | 1,287 |
| Net interest margin | 3.8852% | 3,512 |
| Noninterest income to average assets | 0.4202% | 4,753 |
| Noninterest expense to average assets | 3.0003% | 3,712 |
| Loan and lease loss provision to assets | 0.5895% | 2,424 |
| Net operating income to assets | 0.2755% | 5,276 |
| Return on assets (ROA) | 0.3822% | 5,001 |
| Pretax return on assets | 0.5334% | 4,799 |
| Return on Equity (ROE) | 4.1000% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.1000% | 3,472 |
| Net charge-offs to loans | 1.2697% | 1,499 |
| Credit loss provision to net charge-offs | 67.4691% | 5,032 |
| Earnings coverage of net charge-offs (x) | 1.1155% | 4,677 |
| Efficiency ratio | 74.7798% | 3,308 |
| Assets per employee ($millions) | 3.4719% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9658% | 2,264 |
| Loan loss allowance to noncurrent loans | 160.7337% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 1.6367% | 3,983 |
| Noncurrent loans to loans | 1.2230% | 4,924 |
| Net loans and leases to total assets | 66.5148% | 3,734 |
| Net loans and leases to deposits | 77.4103% | 4,100 |
| Net loans and leases to core deposits | 98.5002% | 2,177 |
| Total domestic deposits to total assets | 85.9250% | 3,134 |
| Equity capital to assets | 9.3791% | 4,888 |
| Core capital (leverage) ratio | 8.7295% | 5,036 |
| Tier 1 risk-based capital ratio | 12.3265% | 5,019 |
| Total risk-based capital ratio | 13.5843% | 4,987 |
| Memoranda: | ||
| Average total assets | $1,445,189,000 | 463 |
| Average earning assets | $1,322,315,330 | 459 |
| Average equity | $134,732,670 | 499 |
| Average total loans | $994,549,330 | 457 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7670% | 1,567 |
| Cost of funding earning assets | 1.9091% | 1,412 |
| Net interest margin | 3.8579% | 3,521 |
| Noninterest income to average assets | 0.8762% | 1,715 |
| Noninterest expense to average assets | 3.0075% | 3,652 |
| Loan and lease loss provision to assets | 0.7742% | 1,633 |
| Net operating income to assets | 0.4339% | 4,694 |
| Return on assets (ROA) | 0.4278% | 4,855 |
| Pretax return on assets | 0.6003% | 4,604 |
| Return on Equity (ROE) | 4.6030% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.6030% | 3,380 |
| Net charge-offs to loans | 2.2984% | 733 |
| Credit loss provision to net charge-offs | 48.6004% | 4,510 |
| Earnings coverage of net charge-offs (x) | 0.8683% | 4,267 |
| Efficiency ratio | 67.8621% | 4,745 |
| Assets per employee ($millions) | 3.5900% | 4,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8886% | 2,483 |
| Loan loss allowance to noncurrent loans | 169.0802% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 1.9158% | 3,609 |
| Noncurrent loans to loans | 1.1170% | 5,126 |
| Net loans and leases to total assets | 66.0124% | 3,847 |
| Net loans and leases to deposits | 77.4171% | 4,142 |
| Net loans and leases to core deposits | 85.2879% | 3,992 |
| Total domestic deposits to total assets | 85.2684% | 3,526 |
| Equity capital to assets | 9.1727% | 5,027 |
| Core capital (leverage) ratio | 8.8784% | 4,759 |
| Tier 1 risk-based capital ratio | 12.2257% | 4,972 |
| Total risk-based capital ratio | 13.4834% | 4,938 |
| Memoranda: | ||
| Average total assets | $1,435,216,000 | 479 |
| Average earning assets | $1,307,439,500 | 476 |
| Average equity | $133,390,500 | 508 |
| Average total loans | $994,787,000 | 476 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2528% | 1,112 |
| Cost of funding earning assets | 2.2833% | 1,717 |
| Net interest margin | 3.9695% | 2,988 |
| Noninterest income to average assets | 0.8410% | 2,224 |
| Noninterest expense to average assets | 3.4222% | 2,607 |
| Loan and lease loss provision to assets | 2.1579% | 970 |
| Net operating income to assets | -0.6727% | 6,329 |
| Return on assets (ROA) | -0.6757% | 6,337 |
| Pretax return on assets | -1.1160% | 6,487 |
| Return on Equity (ROE) | -8.0158% | 6,469 |
| Retained earnings to average equity (ytd only) | -8.4404% | 6,387 |
| Net charge-offs to loans | 2.2060% | 1,080 |
| Credit loss provision to net charge-offs | 132.6981% | 3,773 |
| Earnings coverage of net charge-offs (x) | 0.6435% | 5,452 |
| Efficiency ratio | 75.9362% | 3,541 |
| Assets per employee ($millions) | 3.2233% | 5,671 |
| Cash dividends to net income (ytd only)* | -5.2966% | 7,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1560% | 1,723 |
| Loan loss allowance to noncurrent loans | 84.0279% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 2.3706% | 2,929 |
| Noncurrent loans to loans | 2.5659% | 2,994 |
| Net loans and leases to total assets | 69.8979% | 3,277 |
| Net loans and leases to deposits | 82.5819% | 3,528 |
| Net loans and leases to core deposits | 106.1083% | 3,319 |
| Total domestic deposits to total assets | 84.6407% | 3,732 |
| Equity capital to assets | 9.4213% | 4,524 |
| Core capital (leverage) ratio | 8.6584% | 4,999 |
| Tier 1 risk-based capital ratio | 11.9894% | 4,956 |
| Total risk-based capital ratio | 13.2504% | 4,901 |
| Memoranda: | ||
| Average total assets | $1,397,151,000 | 489 |
| Average earning assets | $1,276,841,600 | 479 |
| Average equity | $117,766,800 | 561 |
| Average total loans | $1,029,900,600 | 467 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2762% | 1,185 |
| Cost of funding earning assets | 2.3417% | 1,841 |
| Net interest margin | 3.9345% | 3,102 |
| Noninterest income to average assets | 0.8294% | 2,294 |
| Noninterest expense to average assets | 3.3758% | 2,648 |
| Loan and lease loss provision to assets | 1.8646% | 990 |
| Net operating income to assets | -0.4767% | 6,402 |
| Return on assets (ROA) | -0.5859% | 6,513 |
| Pretax return on assets | -0.9816% | 6,671 |
| Return on Equity (ROE) | -7.1625% | 6,677 |
| Retained earnings to average equity (ytd only) | -7.7464% | 6,569 |
| Net charge-offs to loans | 2.2988% | 819 |
| Credit loss provision to net charge-offs | 109.1896% | 4,660 |
| Earnings coverage of net charge-offs (x) | 0.6168% | 5,409 |
| Efficiency ratio | 75.5661% | 3,578 |
| Assets per employee ($millions) | 3.2215% | 5,598 |
| Cash dividends to net income (ytd only)* | -8.1513% | 7,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 3,184 |
| Loan loss allowance to noncurrent loans | 88.0633% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.9508% | 3,417 |
| Noncurrent loans to loans | 1.7629% | 3,974 |
| Net loans and leases to total assets | 70.4071% | 3,413 |
| Net loans and leases to deposits | 85.7297% | 3,373 |
| Net loans and leases to core deposits | 108.3981% | 3,423 |
| Total domestic deposits to total assets | 82.1269% | 4,631 |
| Equity capital to assets | 9.1514% | 5,257 |
| Core capital (leverage) ratio | 8.7041% | 5,116 |
| Tier 1 risk-based capital ratio | 11.6719% | 5,269 |
| Total risk-based capital ratio | 12.9275% | 5,215 |
| Memoranda: | ||
| Average total assets | $1,395,908,250 | 504 |
| Average earning assets | $1,277,112,000 | 493 |
| Average equity | $114,184,000 | 584 |
| Average total loans | $1,036,963,250 | 480 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3093% | 1,186 |
| Cost of funding earning assets | 2.4050% | 1,951 |
| Net interest margin | 3.9043% | 3,098 |
| Noninterest income to average assets | 0.7366% | 2,784 |
| Noninterest expense to average assets | 3.5375% | 2,228 |
| Loan and lease loss provision to assets | 2.2174% | 721 |
| Net operating income to assets | -0.9006% | 6,900 |
| Return on assets (ROA) | -1.0658% | 7,026 |
| Pretax return on assets | -1.7098% | 7,174 |
| Return on Equity (ROE) | -13.5816% | 7,258 |
| Retained earnings to average equity (ytd only) | -14.5006% | 7,215 |
| Net charge-offs to loans | 1.7282% | 1,098 |
| Credit loss provision to net charge-offs | 170.5458% | 2,697 |
| Earnings coverage of net charge-offs (x) | 0.5886% | 5,125 |
| Efficiency ratio | 81.5326% | 2,789 |
| Assets per employee ($millions) | 2.9676% | 6,215 |
| Cash dividends to net income (ytd only)* | -6.7668% | 7,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9923% | 1,578 |
| Loan loss allowance to noncurrent loans | 126.9780% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 1.7389% | 3,573 |
| Noncurrent loans to loans | 1.5690% | 4,146 |
| Net loans and leases to total assets | 71.4830% | 3,349 |
| Net loans and leases to deposits | 85.7050% | 3,600 |
| Net loans and leases to core deposits | 108.5149% | 3,554 |
| Total domestic deposits to total assets | 83.4058% | 4,062 |
| Equity capital to assets | 7.8151% | 6,962 |
| Core capital (leverage) ratio | 7.5416% | 6,971 |
| Tier 1 risk-based capital ratio | 10.0547% | 6,866 |
| Total risk-based capital ratio | 11.3131% | 6,783 |
| Memoranda: | ||
| Average total assets | $1,386,569,330 | 516 |
| Average earning assets | $1,266,515,330 | 508 |
| Average equity | $108,809,000 | 616 |
| Average total loans | $1,043,166,330 | 489 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1024% | 1,932 |
| Cost of funding earning assets | 2.4621% | 2,064 |
| Net interest margin | 3.6403% | 4,137 |
| Noninterest income to average assets | 1.0012% | 1,481 |
| Noninterest expense to average assets | 3.3469% | 2,509 |
| Loan and lease loss provision to assets | 1.5196% | 823 |
| Net operating income to assets | -0.3239% | 6,707 |
| Return on assets (ROA) | -0.3364% | 6,800 |
| Pretax return on assets | -0.5682% | 6,875 |
| Return on Equity (ROE) | -4.2771% | 6,913 |
| Retained earnings to average equity (ytd only) | -6.1287% | 6,702 |
| Net charge-offs to loans | 0.3944% | 2,517 |
| Credit loss provision to net charge-offs | 504.1546% | 1,067 |
| Earnings coverage of net charge-offs (x) | 3.2213% | 3,242 |
| Efficiency ratio | 76.8328% | 3,355 |
| Assets per employee ($millions) | 2.9413% | 6,314 |
| Cash dividends to net income (ytd only)* | -43.2900% | 8,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7454% | 1,995 |
| Loan loss allowance to noncurrent loans | 82.4089% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 2.1739% | 2,639 |
| Noncurrent loans to loans | 2.1180% | 3,091 |
| Net loans and leases to total assets | 73.7811% | 2,813 |
| Net loans and leases to deposits | 88.9047% | 3,122 |
| Net loans and leases to core deposits | 111.6011% | 3,250 |
| Total domestic deposits to total assets | 82.9889% | 4,156 |
| Equity capital to assets | 8.2183% | 6,514 |
| Core capital (leverage) ratio | 8.0916% | 6,306 |
| Tier 1 risk-based capital ratio | 10.0139% | 6,902 |
| Total risk-based capital ratio | 11.2691% | 6,808 |
| Memoranda: | ||
| Average total assets | $1,373,563,000 | 523 |
| Average earning assets | $1,251,436,500 | 519 |
| Average equity | $108,016,000 | 618 |
| Average total loans | $1,049,608,500 | 495 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9143% | 1,361 |
| Cost of funding earning assets | 2.9121% | 2,216 |
| Net interest margin | 4.0022% | 3,098 |
| Noninterest income to average assets | 1.2390% | 970 |
| Noninterest expense to average assets | 3.6449% | 2,054 |
| Loan and lease loss provision to assets | 1.2761% | 1,121 |
| Net operating income to assets | 0.0275% | 6,291 |
| Return on assets (ROA) | -0.0129% | 6,250 |
| Pretax return on assets | -0.0955% | 6,264 |
| Return on Equity (ROE) | -0.1570% | 6,255 |
| Retained earnings to average equity (ytd only) | -0.1570% | 5,324 |
| Net charge-offs to loans | 0.8562% | 1,465 |
| Credit loss provision to net charge-offs | 194.1435% | 2,521 |
| Earnings coverage of net charge-offs (x) | 1.8924% | 5,120 |
| Efficiency ratio | 73.6562% | 3,634 |
| Assets per employee ($millions) | 2.8122% | 6,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 3,469 |
| Loan loss allowance to noncurrent loans | 90.9599% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.7140% | 2,840 |
| Noncurrent loans to loans | 1.4863% | 3,573 |
| Net loans and leases to total assets | 76.7387% | 2,441 |
| Net loans and leases to deposits | 92.1540% | 3,107 |
| Net loans and leases to core deposits | 115.3743% | 3,196 |
| Total domestic deposits to total assets | 83.2722% | 3,664 |
| Equity capital to assets | 7.4956% | 7,382 |
| Core capital (leverage) ratio | 7.3536% | 7,356 |
| Tier 1 risk-based capital ratio | 8.8143% | 7,897 |
| Total risk-based capital ratio | 10.0649% | 7,948 |
| Memoranda: | ||
| Average total assets | $1,244,360,000 | 545 |
| Average earning assets | $1,134,766,800 | 537 |
| Average equity | $102,573,600 | 654 |
| Average total loans | $955,290,200 | 510 |