Home > Fox Chase Bank > Performance and Condition Ratios
Fox Chase Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8611% | 3,735 |
| Cost of funding earning assets | 0.6347% | 1,118 |
| Net interest margin | 3.2264% | 4,461 |
| Noninterest income to average assets | 0.3237% | 4,469 |
| Noninterest expense to average assets | 3.8960% | 680 |
| Loan and lease loss provision to assets | 0.1917% | 1,130 |
| Net operating income to assets | -1.0190% | 5,979 |
| Return on assets (ROA) | -0.8627% | 5,972 |
| Pretax return on assets | -0.5794% | 5,928 |
| Return on Equity (ROE) | -6.2306% | 5,945 |
| Retained earnings to average equity (ytd only) | -6.2306% | 5,795 |
| Net charge-offs to loans | 0.2330% | 1,011 |
| Credit loss provision to net charge-offs | 116.8675% | 1,897 |
| Earnings coverage of net charge-offs (x) | -3.3165% | 3,617 |
| Efficiency ratio | 116.2290% | 108 |
| Assets per employee ($millions) | 8.2100% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 2,472 |
| Loan loss allowance to noncurrent loans | 438.8206% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.4681% | 3,653 |
| Noncurrent loans to loans | 0.3108% | 4,253 |
| Net loans and leases to total assets | 71.5050% | 2,248 |
| Net loans and leases to deposits | 103.4068% | 487 |
| Net loans and leases to core deposits | 112.4768% | 791 |
| Total domestic deposits to total assets | 69.1493% | 5,808 |
| Equity capital to assets | 14.3738% | 909 |
| Core capital (leverage) ratio | 14.0118% | 819 |
| Tier 1 risk-based capital ratio | 16.8059% | 2,303 |
| Total risk-based capital ratio | 17.7919% | 2,356 |
| Memoranda: | ||
| Average total assets | $1,113,242,670 | 646 |
| Average earning assets | $1,044,889,000 | 627 |
| Average equity | $154,142,670 | 513 |
| Average total loans | $783,734,000 | 638 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 3,840 |
| Cost of funding earning assets | 0.6346% | 1,125 |
| Net interest margin | 3.1960% | 4,595 |
| Noninterest income to average assets | 0.3287% | 4,379 |
| Noninterest expense to average assets | 1.9496% | 5,433 |
| Loan and lease loss provision to assets | 0.0160% | 3,480 |
| Net operating income to assets | 0.9631% | 2,447 |
| Return on assets (ROA) | 0.9631% | 2,561 |
| Pretax return on assets | 1.3652% | 2,020 |
| Return on Equity (ROE) | 7.0855% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.0855% | 1,847 |
| Net charge-offs to loans | 0.0189% | 2,556 |
| Credit loss provision to net charge-offs | 121.6216% | 1,431 |
| Earnings coverage of net charge-offs (x) | 105.2703% | 523 |
| Efficiency ratio | 58.5330% | 4,942 |
| Assets per employee ($millions) | 8.5696% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 2,696 |
| Loan loss allowance to noncurrent loans | 405.6025% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 3,743 |
| Noncurrent loans to loans | 0.3310% | 4,252 |
| Net loans and leases to total assets | 68.6632% | 2,550 |
| Net loans and leases to deposits | 93.1939% | 1,213 |
| Net loans and leases to core deposits | 101.7089% | 1,361 |
| Total domestic deposits to total assets | 73.6778% | 5,645 |
| Equity capital to assets | 13.7389% | 1,073 |
| Core capital (leverage) ratio | 13.7423% | 888 |
| Tier 1 risk-based capital ratio | 16.6646% | 2,414 |
| Total risk-based capital ratio | 17.6287% | 2,482 |
| Memoranda: | ||
| Average total assets | $1,128,001,500 | 643 |
| Average earning assets | $1,059,581,500 | 627 |
| Average equity | $153,327,500 | 514 |
| Average total loans | $782,784,000 | 636 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8190% | 3,986 |
| Cost of funding earning assets | 0.6018% | 1,348 |
| Net interest margin | 3.2172% | 4,566 |
| Noninterest income to average assets | 0.3136% | 4,648 |
| Noninterest expense to average assets | 2.1222% | 5,212 |
| Loan and lease loss provision to assets | -0.0898% | 5,836 |
| Net operating income to assets | 0.9340% | 2,688 |
| Return on assets (ROA) | 0.9340% | 2,771 |
| Pretax return on assets | 1.3271% | 2,169 |
| Return on Equity (ROE) | 6.9971% | 3,520 |
| Retained earnings to average equity (ytd only) | 1.2336% | 5,012 |
| Net charge-offs to loans | -0.1097% | 5,803 |
| Credit loss provision to net charge-offs | 120.3144% | 2,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1691% | 4,416 |
| Assets per employee ($millions) | 8.3941% | 482 |
| Cash dividends to net income (ytd only)* | 82.3706% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 2,635 |
| Loan loss allowance to noncurrent loans | 416.8114% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 3,773 |
| Noncurrent loans to loans | 0.3256% | 4,291 |
| Net loans and leases to total assets | 68.2535% | 2,668 |
| Net loans and leases to deposits | 97.5906% | 852 |
| Net loans and leases to core deposits | 109.5646% | 881 |
| Total domestic deposits to total assets | 69.9386% | 5,900 |
| Equity capital to assets | 13.4459% | 1,143 |
| Core capital (leverage) ratio | 13.5197% | 962 |
| Tier 1 risk-based capital ratio | 16.6932% | 2,396 |
| Total risk-based capital ratio | 17.6773% | 2,473 |
| Memoranda: | ||
| Average total assets | $1,108,324,200 | 632 |
| Average earning assets | $1,049,325,200 | 619 |
| Average equity | $147,946,400 | 512 |
| Average total loans | $753,717,200 | 622 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8366% | 3,974 |
| Cost of funding earning assets | 0.5940% | 1,442 |
| Net interest margin | 3.2426% | 4,548 |
| Noninterest income to average assets | 0.2947% | 4,835 |
| Noninterest expense to average assets | 2.1103% | 5,253 |
| Loan and lease loss provision to assets | -0.1322% | 6,042 |
| Net operating income to assets | 0.9818% | 2,566 |
| Return on assets (ROA) | 0.9818% | 2,646 |
| Pretax return on assets | 1.3905% | 2,054 |
| Return on Equity (ROE) | 7.3687% | 3,423 |
| Retained earnings to average equity (ytd only) | -0.3589% | 5,668 |
| Net charge-offs to loans | -0.1762% | 5,963 |
| Credit loss provision to net charge-offs | 110.8300% | 2,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6461% | 4,468 |
| Assets per employee ($millions) | 7.9785% | 545 |
| Cash dividends to net income (ytd only)* | 104.8703% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 2,524 |
| Loan loss allowance to noncurrent loans | 308.1810% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.5687% | 3,594 |
| Noncurrent loans to loans | 0.4595% | 3,984 |
| Net loans and leases to total assets | 67.1662% | 2,832 |
| Net loans and leases to deposits | 99.6656% | 682 |
| Net loans and leases to core deposits | 116.1898% | 581 |
| Total domestic deposits to total assets | 67.3915% | 6,057 |
| Equity capital to assets | 13.5859% | 1,188 |
| Core capital (leverage) ratio | 13.6432% | 966 |
| Tier 1 risk-based capital ratio | 16.9321% | 2,404 |
| Total risk-based capital ratio | 17.9539% | 2,434 |
| Memoranda: | ||
| Average total assets | $1,104,201,500 | 639 |
| Average earning assets | $1,046,732,000 | 617 |
| Average equity | $147,122,500 | 519 |
| Average total loans | $747,574,500 | 626 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 3,854 |
| Cost of funding earning assets | 0.5850% | 1,526 |
| Net interest margin | 3.2681% | 4,425 |
| Noninterest income to average assets | 0.3026% | 4,792 |
| Noninterest expense to average assets | 2.1011% | 5,338 |
| Loan and lease loss provision to assets | -0.1439% | 6,123 |
| Net operating income to assets | 1.0316% | 2,219 |
| Return on assets (ROA) | 1.0316% | 2,337 |
| Pretax return on assets | 1.4478% | 1,806 |
| Return on Equity (ROE) | 7.7935% | 3,169 |
| Retained earnings to average equity (ytd only) | -3.8633% | 5,968 |
| Net charge-offs to loans | -0.2145% | 6,044 |
| Credit loss provision to net charge-offs | 99.2509% | 2,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7048% | 4,726 |
| Assets per employee ($millions) | 8.0267% | 522 |
| Cash dividends to net income (ytd only)* | 149.5703% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 2,508 |
| Loan loss allowance to noncurrent loans | 357.7474% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 3,837 |
| Noncurrent loans to loans | 0.4055% | 4,265 |
| Net loans and leases to total assets | 66.8068% | 2,817 |
| Net loans and leases to deposits | 98.3369% | 769 |
| Net loans and leases to core deposits | 110.2881% | 825 |
| Total domestic deposits to total assets | 67.9367% | 6,112 |
| Equity capital to assets | 13.4105% | 1,211 |
| Core capital (leverage) ratio | 13.3026% | 1,050 |
| Tier 1 risk-based capital ratio | 16.8629% | 2,462 |
| Total risk-based capital ratio | 17.9123% | 2,484 |
| Memoranda: | ||
| Average total assets | $1,105,255,670 | 642 |
| Average earning assets | $1,049,221,330 | 616 |
| Average equity | $146,301,330 | 521 |
| Average total loans | $746,716,330 | 628 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8294% | 3,893 |
| Cost of funding earning assets | 0.5825% | 1,562 |
| Net interest margin | 3.2469% | 4,435 |
| Noninterest income to average assets | 0.2852% | 4,890 |
| Noninterest expense to average assets | 2.0423% | 5,498 |
| Loan and lease loss provision to assets | 0.1698% | 1,170 |
| Net operating income to assets | 0.8719% | 2,889 |
| Return on assets (ROA) | 0.8719% | 3,013 |
| Pretax return on assets | 1.1607% | 2,834 |
| Return on Equity (ROE) | 6.6295% | 3,694 |
| Retained earnings to average equity (ytd only) | -16.6914% | 6,240 |
| Net charge-offs to loans | 0.0128% | 2,931 |
| Credit loss provision to net charge-offs | 1,966.6667% | 203 |
| Earnings coverage of net charge-offs (x) | 154.1250% | 352 |
| Efficiency ratio | 60.5524% | 5,023 |
| Assets per employee ($millions) | 8.2821% | 481 |
| Cash dividends to net income (ytd only)* | 351.7739% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 2,613 |
| Loan loss allowance to noncurrent loans | 331.2982% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.5485% | 3,849 |
| Noncurrent loans to loans | 0.4410% | 4,271 |
| Net loans and leases to total assets | 66.9251% | 2,620 |
| Net loans and leases to deposits | 90.5151% | 1,336 |
| Net loans and leases to core deposits | 101.0535% | 1,252 |
| Total domestic deposits to total assets | 73.9380% | 5,907 |
| Equity capital to assets | 12.7501% | 1,543 |
| Core capital (leverage) ratio | 13.0398% | 1,143 |
| Tier 1 risk-based capital ratio | 16.2775% | 2,783 |
| Total risk-based capital ratio | 17.3432% | 2,810 |
| Memoranda: | ||
| Average total assets | $1,112,065,000 | 634 |
| Average earning assets | $1,057,510,500 | 606 |
| Average equity | $146,255,000 | 522 |
| Average total loans | $750,062,500 | 617 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8848% | 4,181 |
| Cost of funding earning assets | 0.6813% | 1,203 |
| Net interest margin | 3.2035% | 4,906 |
| Noninterest income to average assets | 0.2439% | 5,379 |
| Noninterest expense to average assets | 1.9787% | 5,806 |
| Loan and lease loss provision to assets | 0.1771% | 1,455 |
| Net operating income to assets | 0.7773% | 3,483 |
| Return on assets (ROA) | 0.7773% | 3,575 |
| Pretax return on assets | 1.1045% | 3,065 |
| Return on Equity (ROE) | 5.9408% | 4,180 |
| Retained earnings to average equity (ytd only) | 1.8908% | 4,860 |
| Net charge-offs to loans | 0.3777% | 1,139 |
| Credit loss provision to net charge-offs | 70.8607% | 3,053 |
| Earnings coverage of net charge-offs (x) | 5.1276% | 3,491 |
| Efficiency ratio | 60.6900% | 5,117 |
| Assets per employee ($millions) | 7.9548% | 541 |
| Cash dividends to net income (ytd only)* | 68.1717% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 2,647 |
| Loan loss allowance to noncurrent loans | 310.7443% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.5709% | 3,891 |
| Noncurrent loans to loans | 0.4697% | 4,247 |
| Net loans and leases to total assets | 65.9883% | 2,885 |
| Net loans and leases to deposits | 98.0450% | 754 |
| Net loans and leases to core deposits | 109.2068% | 817 |
| Total domestic deposits to total assets | 67.3040% | 6,292 |
| Equity capital to assets | 13.5636% | 1,131 |
| Core capital (leverage) ratio | 13.9863% | 817 |
| Tier 1 risk-based capital ratio | 18.9703% | 1,857 |
| Total risk-based capital ratio | 20.0152% | 1,881 |
| Memoranda: | ||
| Average total assets | $1,097,040,800 | 614 |
| Average earning assets | $1,032,975,200 | 595 |
| Average equity | $143,533,600 | 508 |
| Average total loans | $725,911,400 | 600 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9184% | 4,102 |
| Cost of funding earning assets | 0.6898% | 1,200 |
| Net interest margin | 3.2286% | 4,865 |
| Noninterest income to average assets | 0.2257% | 5,583 |
| Noninterest expense to average assets | 1.9650% | 5,830 |
| Loan and lease loss provision to assets | 0.1936% | 1,242 |
| Net operating income to assets | 0.7532% | 3,655 |
| Return on assets (ROA) | 0.7532% | 3,750 |
| Pretax return on assets | 1.1008% | 3,183 |
| Return on Equity (ROE) | 5.8098% | 4,333 |
| Retained earnings to average equity (ytd only) | 0.3591% | 5,702 |
| Net charge-offs to loans | 0.3728% | 1,072 |
| Credit loss provision to net charge-offs | 78.7444% | 2,618 |
| Earnings coverage of net charge-offs (x) | 5.2640% | 3,299 |
| Efficiency ratio | 60.2857% | 5,140 |
| Assets per employee ($millions) | 7.6345% | 601 |
| Cash dividends to net income (ytd only)* | 93.8185% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 2,554 |
| Loan loss allowance to noncurrent loans | 304.9176% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 4,343 |
| Noncurrent loans to loans | 0.5045% | 4,418 |
| Net loans and leases to total assets | 65.9886% | 2,874 |
| Net loans and leases to deposits | 102.3175% | 486 |
| Net loans and leases to core deposits | 113.6589% | 593 |
| Total domestic deposits to total assets | 64.4940% | 6,428 |
| Equity capital to assets | 13.5377% | 1,164 |
| Core capital (leverage) ratio | 13.3523% | 1,046 |
| Tier 1 risk-based capital ratio | 19.1842% | 1,862 |
| Total risk-based capital ratio | 20.2241% | 1,881 |
| Memoranda: | ||
| Average total assets | $1,096,859,750 | 612 |
| Average earning assets | $1,030,644,750 | 594 |
| Average equity | $142,192,750 | 514 |
| Average total loans | $723,607,750 | 598 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8881% | 4,185 |
| Cost of funding earning assets | 0.6944% | 1,217 |
| Net interest margin | 3.1937% | 4,967 |
| Noninterest income to average assets | 0.1896% | 5,824 |
| Noninterest expense to average assets | 1.9952% | 5,847 |
| Loan and lease loss provision to assets | 0.0181% | 3,904 |
| Net operating income to assets | 0.7870% | 3,394 |
| Return on assets (ROA) | 0.7870% | 3,494 |
| Pretax return on assets | 1.1735% | 2,786 |
| Return on Equity (ROE) | 6.1597% | 4,068 |
| Retained earnings to average equity (ytd only) | -2.0849% | 6,004 |
| Net charge-offs to loans | 0.0155% | 3,921 |
| Credit loss provision to net charge-offs | 178.5714% | 1,275 |
| Earnings coverage of net charge-offs (x) | 117.4286% | 495 |
| Efficiency ratio | 62.6066% | 4,926 |
| Assets per employee ($millions) | 7.9041% | 524 |
| Cash dividends to net income (ytd only)* | 133.8476% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 2,573 |
| Loan loss allowance to noncurrent loans | 279.2712% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.5568% | 4,319 |
| Noncurrent loans to loans | 0.5629% | 4,330 |
| Net loans and leases to total assets | 65.4789% | 2,835 |
| Net loans and leases to deposits | 99.9448% | 561 |
| Net loans and leases to core deposits | 110.4519% | 677 |
| Total domestic deposits to total assets | 65.5151% | 6,489 |
| Equity capital to assets | 12.9953% | 1,373 |
| Core capital (leverage) ratio | 13.1800% | 1,094 |
| Tier 1 risk-based capital ratio | 18.5911% | 2,041 |
| Total risk-based capital ratio | 19.6351% | 2,069 |
| Memoranda: | ||
| Average total assets | $1,103,660,330 | 611 |
| Average earning assets | $1,035,775,330 | 590 |
| Average equity | $141,014,330 | 515 |
| Average total loans | $724,330,670 | 597 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8963% | 4,097 |
| Cost of funding earning assets | 0.7135% | 1,165 |
| Net interest margin | 3.1828% | 4,979 |
| Noninterest income to average assets | 0.2326% | 5,490 |
| Noninterest expense to average assets | 2.1550% | 5,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7142% | 3,609 |
| Return on assets (ROA) | 0.7142% | 3,696 |
| Pretax return on assets | 1.0597% | 3,086 |
| Return on Equity (ROE) | 5.6382% | 4,218 |
| Retained earnings to average equity (ytd only) | -11.0156% | 6,392 |
| Net charge-offs to loans | 0.0518% | 2,661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 31.3978% | 1,018 |
| Efficiency ratio | 67.0354% | 4,356 |
| Assets per employee ($millions) | 7.6464% | 583 |
| Cash dividends to net income (ytd only)* | 295.3760% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6225% | 2,604 |
| Loan loss allowance to noncurrent loans | 287.5534% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.7875% | 3,773 |
| Noncurrent loans to loans | 0.5643% | 4,467 |
| Net loans and leases to total assets | 63.8606% | 2,917 |
| Net loans and leases to deposits | 95.2980% | 697 |
| Net loans and leases to core deposits | 103.0254% | 921 |
| Total domestic deposits to total assets | 67.0115% | 6,536 |
| Equity capital to assets | 12.7752% | 1,415 |
| Core capital (leverage) ratio | 12.8669% | 1,216 |
| Tier 1 risk-based capital ratio | 18.7379% | 2,049 |
| Total risk-based capital ratio | 19.7765% | 2,077 |
| Memoranda: | ||
| Average total assets | $1,102,203,500 | 617 |
| Average earning assets | $1,032,664,500 | 594 |
| Average equity | $139,620,000 | 522 |
| Average total loans | $718,423,000 | 606 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8697% | 4,576 |
| Cost of funding earning assets | 0.7817% | 1,312 |
| Net interest margin | 3.0880% | 5,347 |
| Noninterest income to average assets | 0.3562% | 4,752 |
| Noninterest expense to average assets | 2.4545% | 4,912 |
| Loan and lease loss provision to assets | 0.0888% | 3,337 |
| Net operating income to assets | 0.4917% | 4,765 |
| Return on assets (ROA) | 0.5254% | 4,740 |
| Pretax return on assets | 0.7552% | 4,316 |
| Return on Equity (ROE) | 4.0638% | 5,080 |
| Retained earnings to average equity (ytd only) | 4.0638% | 3,293 |
| Net charge-offs to loans | 0.0879% | 3,976 |
| Credit loss provision to net charge-offs | 157.6244% | 1,461 |
| Earnings coverage of net charge-offs (x) | 14.1348% | 1,966 |
| Efficiency ratio | 75.5144% | 2,856 |
| Assets per employee ($millions) | 7.8225% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 2,858 |
| Loan loss allowance to noncurrent loans | 131.2948% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 1.1706% | 3,055 |
| Noncurrent loans to loans | 1.1996% | 3,148 |
| Net loans and leases to total assets | 64.4089% | 2,973 |
| Net loans and leases to deposits | 101.9032% | 406 |
| Net loans and leases to core deposits | 114.4880% | 457 |
| Total domestic deposits to total assets | 63.2060% | 6,682 |
| Equity capital to assets | 12.5626% | 1,485 |
| Core capital (leverage) ratio | 13.1220% | 1,095 |
| Tier 1 risk-based capital ratio | 18.4382% | 2,101 |
| Total risk-based capital ratio | 19.4848% | 2,131 |
| Memoranda: | ||
| Average total assets | $1,106,458,000 | 595 |
| Average earning assets | $1,037,002,200 | 572 |
| Average equity | $143,044,600 | 510 |
| Average total loans | $708,514,800 | 594 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8446% | 4,680 |
| Cost of funding earning assets | 0.7931% | 1,366 |
| Net interest margin | 3.0516% | 5,463 |
| Noninterest income to average assets | 0.3894% | 4,609 |
| Noninterest expense to average assets | 2.5071% | 4,698 |
| Loan and lease loss provision to assets | 0.0643% | 3,771 |
| Net operating income to assets | 0.4787% | 4,894 |
| Return on assets (ROA) | 0.5237% | 4,851 |
| Pretax return on assets | 0.7441% | 4,512 |
| Return on Equity (ROE) | 4.0220% | 5,212 |
| Retained earnings to average equity (ytd only) | 4.0220% | 3,830 |
| Net charge-offs to loans | 0.1089% | 3,449 |
| Credit loss provision to net charge-offs | 92.6829% | 2,563 |
| Earnings coverage of net charge-offs (x) | 10.7283% | 2,327 |
| Efficiency ratio | 77.1129% | 2,540 |
| Assets per employee ($millions) | 7.8154% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5636% | 3,170 |
| Loan loss allowance to noncurrent loans | 104.0292% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.3721% | 2,901 |
| Noncurrent loans to loans | 1.5031% | 2,913 |
| Net loans and leases to total assets | 63.1238% | 3,142 |
| Net loans and leases to deposits | 98.3561% | 550 |
| Net loans and leases to core deposits | 110.9223% | 545 |
| Total domestic deposits to total assets | 64.1789% | 6,748 |
| Equity capital to assets | 12.9033% | 1,372 |
| Core capital (leverage) ratio | 13.1004% | 1,167 |
| Tier 1 risk-based capital ratio | 18.9783% | 1,999 |
| Total risk-based capital ratio | 20.0198% | 2,026 |
| Memoranda: | ||
| Average total assets | $1,103,417,750 | 599 |
| Average earning assets | $1,034,769,750 | 575 |
| Average equity | $143,673,750 | 512 |
| Average total loans | $702,638,750 | 597 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8140% | 4,780 |
| Cost of funding earning assets | 0.8011% | 1,405 |
| Net interest margin | 3.0129% | 5,543 |
| Noninterest income to average assets | 0.3668% | 4,776 |
| Noninterest expense to average assets | 2.5098% | 4,688 |
| Loan and lease loss provision to assets | -0.0260% | 6,606 |
| Net operating income to assets | 0.4907% | 4,839 |
| Return on assets (ROA) | 0.5573% | 4,688 |
| Pretax return on assets | 0.8054% | 4,294 |
| Return on Equity (ROE) | 4.2675% | 5,105 |
| Retained earnings to average equity (ytd only) | 4.2675% | 3,580 |
| Net charge-offs to loans | 0.1512% | 2,894 |
| Credit loss provision to net charge-offs | -27.0321% | 5,491 |
| Earnings coverage of net charge-offs (x) | 7.1078% | 2,598 |
| Efficiency ratio | 78.6121% | 2,367 |
| Assets per employee ($millions) | 7.8647% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 3,727 |
| Loan loss allowance to noncurrent loans | 105.0956% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.4875% | 2,872 |
| Noncurrent loans to loans | 1.3975% | 3,201 |
| Net loans and leases to total assets | 62.6210% | 3,176 |
| Net loans and leases to deposits | 96.3935% | 641 |
| Net loans and leases to core deposits | 106.3966% | 723 |
| Total domestic deposits to total assets | 64.9639% | 6,779 |
| Equity capital to assets | 12.5946% | 1,522 |
| Core capital (leverage) ratio | 12.7815% | 1,253 |
| Tier 1 risk-based capital ratio | 18.9389% | 2,009 |
| Total risk-based capital ratio | 19.9775% | 2,041 |
| Memoranda: | ||
| Average total assets | $1,101,292,670 | 603 |
| Average earning assets | $1,032,875,330 | 577 |
| Average equity | $143,831,670 | 517 |
| Average total loans | $699,627,670 | 597 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8592% | 4,616 |
| Cost of funding earning assets | 0.8092% | 1,478 |
| Net interest margin | 3.0500% | 5,434 |
| Noninterest income to average assets | 0.3219% | 5,126 |
| Noninterest expense to average assets | 2.0602% | 5,984 |
| Loan and lease loss provision to assets | 0.2349% | 1,550 |
| Net operating income to assets | 0.6123% | 4,157 |
| Return on assets (ROA) | 0.7037% | 3,811 |
| Pretax return on assets | 1.0235% | 3,251 |
| Return on Equity (ROE) | 5.2910% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.2910% | 3,060 |
| Net charge-offs to loans | 0.1196% | 2,705 |
| Credit loss provision to net charge-offs | 309.1787% | 779 |
| Earnings coverage of net charge-offs (x) | 14.8164% | 1,432 |
| Efficiency ratio | 64.6618% | 4,893 |
| Assets per employee ($millions) | 7.8827% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6838% | 3,077 |
| Loan loss allowance to noncurrent loans | 91.5135% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.7015% | 2,741 |
| Noncurrent loans to loans | 1.8400% | 2,812 |
| Net loans and leases to total assets | 62.2792% | 3,007 |
| Net loans and leases to deposits | 92.6411% | 756 |
| Net loans and leases to core deposits | 103.3261% | 750 |
| Total domestic deposits to total assets | 67.2263% | 6,826 |
| Equity capital to assets | 13.3359% | 1,278 |
| Core capital (leverage) ratio | 13.1318% | 1,064 |
| Tier 1 risk-based capital ratio | 19.4975% | 1,906 |
| Total risk-based capital ratio | 20.5300% | 1,932 |
| Memoranda: | ||
| Average total assets | $1,089,612,500 | 613 |
| Average earning assets | $1,023,229,000 | 590 |
| Average equity | $144,924,500 | 517 |
| Average total loans | $692,058,000 | 607 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 4,356 |
| Cost of funding earning assets | 1.0813% | 978 |
| Net interest margin | 3.1801% | 5,618 |
| Noninterest income to average assets | 0.3548% | 4,931 |
| Noninterest expense to average assets | 2.5779% | 4,823 |
| Loan and lease loss provision to assets | 0.3340% | 2,022 |
| Net operating income to assets | 0.3029% | 5,462 |
| Return on assets (ROA) | 0.5179% | 4,879 |
| Pretax return on assets | 0.7569% | 4,453 |
| Return on Equity (ROE) | 3.4593% | 5,365 |
| Retained earnings to average equity (ytd only) | -10.1911% | 6,643 |
| Net charge-offs to loans | 0.6469% | 1,819 |
| Credit loss provision to net charge-offs | 79.3520% | 3,857 |
| Earnings coverage of net charge-offs (x) | 1.8407% | 4,511 |
| Efficiency ratio | 76.8918% | 2,610 |
| Assets per employee ($millions) | 7.7405% | 570 |
| Cash dividends to net income (ytd only)* | 394.6041% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6071% | 3,277 |
| Loan loss allowance to noncurrent loans | 65.2301% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 2.0097% | 2,443 |
| Noncurrent loans to loans | 2.4638% | 2,155 |
| Net loans and leases to total assets | 62.6585% | 3,137 |
| Net loans and leases to deposits | 94.1830% | 736 |
| Net loans and leases to core deposits | 102.3035% | 874 |
| Total domestic deposits to total assets | 66.5284% | 6,888 |
| Equity capital to assets | 13.2653% | 1,322 |
| Core capital (leverage) ratio | 12.9029% | 1,149 |
| Tier 1 risk-based capital ratio | 19.4497% | 1,828 |
| Total risk-based capital ratio | 20.4786% | 1,865 |
| Memoranda: | ||
| Average total assets | $1,041,410,400 | 637 |
| Average earning assets | $981,703,200 | 604 |
| Average equity | $155,900,000 | 476 |
| Average total loans | $677,587,800 | 613 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3819% | 4,125 |
| Cost of funding earning assets | 1.1515% | 859 |
| Net interest margin | 3.2304% | 5,616 |
| Noninterest income to average assets | 0.3488% | 5,025 |
| Noninterest expense to average assets | 2.6553% | 4,537 |
| Loan and lease loss provision to assets | 0.3934% | 1,629 |
| Net operating income to assets | 0.2369% | 5,817 |
| Return on assets (ROA) | 0.4430% | 5,306 |
| Pretax return on assets | 0.6493% | 5,015 |
| Return on Equity (ROE) | 2.8728% | 5,716 |
| Retained earnings to average equity (ytd only) | -5.3263% | 6,632 |
| Net charge-offs to loans | 0.7706% | 1,435 |
| Credit loss provision to net charge-offs | 78.0262% | 3,675 |
| Earnings coverage of net charge-offs (x) | 1.4667% | 4,549 |
| Efficiency ratio | 78.2159% | 2,371 |
| Assets per employee ($millions) | 7.4535% | 612 |
| Cash dividends to net income (ytd only)* | 285.4052% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6381% | 3,377 |
| Loan loss allowance to noncurrent loans | 63.9316% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 2.1049% | 2,535 |
| Noncurrent loans to loans | 2.5623% | 2,231 |
| Net loans and leases to total assets | 62.7693% | 3,246 |
| Net loans and leases to deposits | 92.2929% | 943 |
| Net loans and leases to core deposits | 101.9627% | 986 |
| Total domestic deposits to total assets | 68.0110% | 6,923 |
| Equity capital to assets | 14.5461% | 956 |
| Core capital (leverage) ratio | 14.0124% | 829 |
| Tier 1 risk-based capital ratio | 21.3684% | 1,442 |
| Total risk-based capital ratio | 22.3911% | 1,464 |
| Memoranda: | ||
| Average total assets | $1,028,908,750 | 648 |
| Average earning assets | $970,181,750 | 612 |
| Average equity | $158,680,000 | 468 |
| Average total loans | $673,226,000 | 613 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4684% | 3,909 |
| Cost of funding earning assets | 1.2474% | 659 |
| Net interest margin | 3.2210% | 5,673 |
| Noninterest income to average assets | 0.3552% | 4,992 |
| Noninterest expense to average assets | 2.7987% | 4,023 |
| Loan and lease loss provision to assets | 0.5061% | 1,244 |
| Net operating income to assets | 0.0601% | 6,238 |
| Return on assets (ROA) | 0.3739% | 5,556 |
| Pretax return on assets | 0.5477% | 5,316 |
| Return on Equity (ROE) | 2.3769% | 5,923 |
| Retained earnings to average equity (ytd only) | -7.4794% | 6,741 |
| Net charge-offs to loans | 1.0207% | 1,079 |
| Credit loss provision to net charge-offs | 75.1171% | 3,451 |
| Earnings coverage of net charge-offs (x) | 0.8791% | 4,610 |
| Efficiency ratio | 82.5346% | 1,815 |
| Assets per employee ($millions) | 7.3441% | 624 |
| Cash dividends to net income (ytd only)* | 414.6624% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6804% | 3,315 |
| Loan loss allowance to noncurrent loans | 64.9933% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 2.3332% | 2,394 |
| Noncurrent loans to loans | 2.5854% | 2,322 |
| Net loans and leases to total assets | 64.8045% | 2,876 |
| Net loans and leases to deposits | 86.9784% | 1,481 |
| Net loans and leases to core deposits | 95.6811% | 1,456 |
| Total domestic deposits to total assets | 74.5065% | 6,636 |
| Equity capital to assets | 15.2374% | 728 |
| Core capital (leverage) ratio | 14.8210% | 636 |
| Tier 1 risk-based capital ratio | 22.3165% | 1,230 |
| Total risk-based capital ratio | 23.3300% | 1,258 |
| Memoranda: | ||
| Average total assets | $1,014,112,670 | 658 |
| Average earning assets | $955,775,670 | 625 |
| Average equity | $159,532,330 | 462 |
| Average total loans | $669,327,670 | 621 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5621% | 3,669 |
| Cost of funding earning assets | 1.2887% | 658 |
| Net interest margin | 3.2733% | 5,561 |
| Noninterest income to average assets | 0.3474% | 5,079 |
| Noninterest expense to average assets | 2.1908% | 6,063 |
| Loan and lease loss provision to assets | 0.5027% | 1,208 |
| Net operating income to assets | 0.5051% | 4,807 |
| Return on assets (ROA) | 0.5051% | 5,017 |
| Pretax return on assets | 0.7496% | 4,609 |
| Return on Equity (ROE) | 3.1613% | 5,646 |
| Retained earnings to average equity (ytd only) | 3.1613% | 4,668 |
| Net charge-offs to loans | 1.2251% | 833 |
| Credit loss provision to net charge-offs | 62.1345% | 3,071 |
| Earnings coverage of net charge-offs (x) | 1.5478% | 3,556 |
| Efficiency ratio | 63.6280% | 4,998 |
| Assets per employee ($millions) | 7.5429% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7199% | 3,269 |
| Loan loss allowance to noncurrent loans | 56.5465% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 2.6172% | 2,259 |
| Noncurrent loans to loans | 3.0415% | 2,126 |
| Net loans and leases to total assets | 63.8749% | 2,872 |
| Net loans and leases to deposits | 93.7084% | 687 |
| Net loans and leases to core deposits | 96.3832% | 1,267 |
| Total domestic deposits to total assets | 68.1635% | 7,047 |
| Equity capital to assets | 16.1082% | 562 |
| Core capital (leverage) ratio | 15.5709% | 522 |
| Tier 1 risk-based capital ratio | 23.7289% | 1,036 |
| Total risk-based capital ratio | 24.7147% | 1,054 |
| Memoranda: | ||
| Average total assets | $1,014,426,000 | 658 |
| Average earning assets | $959,386,000 | 624 |
| Average equity | $162,084,000 | 455 |
| Average total loans | $669,986,500 | 624 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 4,808 |
| Cost of funding earning assets | 1.5052% | 700 |
| Net interest margin | 3.0600% | 6,429 |
| Noninterest income to average assets | 0.2775% | 5,544 |
| Noninterest expense to average assets | 2.0246% | 6,634 |
| Loan and lease loss provision to assets | 0.5394% | 1,948 |
| Net operating income to assets | 0.4207% | 4,769 |
| Return on assets (ROA) | 0.4674% | 4,760 |
| Pretax return on assets | 0.6847% | 4,390 |
| Return on Equity (ROE) | 3.1318% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.1318% | 3,993 |
| Net charge-offs to loans | 0.2775% | 4,039 |
| Credit loss provision to net charge-offs | 314.7091% | 744 |
| Earnings coverage of net charge-offs (x) | 6.7415% | 2,458 |
| Efficiency ratio | 63.6673% | 5,184 |
| Assets per employee ($millions) | 7.4860% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7678% | 2,972 |
| Loan loss allowance to noncurrent loans | 57.6290% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 2.2961% | 2,632 |
| Noncurrent loans to loans | 3.0675% | 2,113 |
| Net loans and leases to total assets | 65.9054% | 2,805 |
| Net loans and leases to deposits | 95.8780% | 679 |
| Net loans and leases to core deposits | 98.6616% | 1,290 |
| Total domestic deposits to total assets | 68.7388% | 7,043 |
| Equity capital to assets | 15.8486% | 601 |
| Core capital (leverage) ratio | 15.3023% | 558 |
| Tier 1 risk-based capital ratio | 22.8842% | 1,112 |
| Total risk-based capital ratio | 23.9011% | 1,118 |
| Memoranda: | ||
| Average total assets | $1,063,116,000 | 619 |
| Average earning assets | $1,008,410,600 | 584 |
| Average equity | $158,665,200 | 444 |
| Average total loans | $656,620,200 | 629 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 5,002 |
| Cost of funding earning assets | 1.5604% | 690 |
| Net interest margin | 3.0094% | 6,566 |
| Noninterest income to average assets | 0.2580% | 5,774 |
| Noninterest expense to average assets | 1.9993% | 6,692 |
| Loan and lease loss provision to assets | 0.3610% | 2,700 |
| Net operating income to assets | 0.5120% | 4,494 |
| Return on assets (ROA) | 0.4815% | 4,826 |
| Pretax return on assets | 0.7061% | 4,450 |
| Return on Equity (ROE) | 3.2743% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.2743% | 4,387 |
| Net charge-offs to loans | -0.2482% | 7,284 |
| Credit loss provision to net charge-offs | -240.4132% | 6,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2601% | 5,022 |
| Assets per employee ($millions) | 7.6583% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8588% | 2,753 |
| Loan loss allowance to noncurrent loans | 54.7151% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 2.4525% | 2,626 |
| Noncurrent loans to loans | 3.3973% | 2,034 |
| Net loans and leases to total assets | 62.7270% | 3,564 |
| Net loans and leases to deposits | 92.8000% | 934 |
| Net loans and leases to core deposits | 94.2222% | 1,776 |
| Total domestic deposits to total assets | 67.5938% | 7,158 |
| Equity capital to assets | 15.5752% | 707 |
| Core capital (leverage) ratio | 14.9459% | 675 |
| Tier 1 risk-based capital ratio | 23.2721% | 1,112 |
| Total risk-based capital ratio | 24.2837% | 1,124 |
| Memoranda: | ||
| Average total assets | $1,074,370,750 | 616 |
| Average earning assets | $1,018,593,750 | 582 |
| Average equity | $157,993,000 | 454 |
| Average total loans | $650,011,250 | 642 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 5,304 |
| Cost of funding earning assets | 1.5921% | 718 |
| Net interest margin | 2.9246% | 6,747 |
| Noninterest income to average assets | 0.2320% | 5,988 |
| Noninterest expense to average assets | 1.9276% | 6,908 |
| Loan and lease loss provision to assets | 0.3447% | 2,715 |
| Net operating income to assets | 0.4983% | 4,504 |
| Return on assets (ROA) | 0.4732% | 4,767 |
| Pretax return on assets | 0.6936% | 4,405 |
| Return on Equity (ROE) | 3.2794% | 5,267 |
| Retained earnings to average equity (ytd only) | 3.2794% | 4,174 |
| Net charge-offs to loans | -0.3827% | 7,368 |
| Credit loss provision to net charge-offs | -151.5764% | 6,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1913% | 5,205 |
| Assets per employee ($millions) | 8.2001% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7339% | 3,210 |
| Loan loss allowance to noncurrent loans | 64.3567% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.8835% | 3,389 |
| Noncurrent loans to loans | 2.6941% | 2,706 |
| Net loans and leases to total assets | 58.5869% | 4,530 |
| Net loans and leases to deposits | 85.1896% | 1,912 |
| Net loans and leases to core deposits | 86.5158% | 2,824 |
| Total domestic deposits to total assets | 68.7724% | 7,161 |
| Equity capital to assets | 14.6227% | 908 |
| Core capital (leverage) ratio | 14.0127% | 867 |
| Tier 1 risk-based capital ratio | 23.1875% | 1,092 |
| Total risk-based capital ratio | 24.1783% | 1,113 |
| Memoranda: | ||
| Average total assets | $1,087,871,000 | 616 |
| Average earning assets | $1,030,703,000 | 582 |
| Average equity | $156,981,670 | 458 |
| Average total loans | $646,415,330 | 658 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 5,216 |
| Cost of funding earning assets | 1.6335% | 717 |
| Net interest margin | 2.9036% | 6,755 |
| Noninterest income to average assets | 0.2010% | 6,285 |
| Noninterest expense to average assets | 1.8964% | 6,992 |
| Loan and lease loss provision to assets | 0.3590% | 2,401 |
| Net operating income to assets | 0.4731% | 4,607 |
| Return on assets (ROA) | 0.4731% | 4,690 |
| Pretax return on assets | 0.6903% | 4,344 |
| Return on Equity (ROE) | 3.3005% | 5,243 |
| Retained earnings to average equity (ytd only) | 3.3005% | 4,207 |
| Net charge-offs to loans | 0.0794% | 4,144 |
| Credit loss provision to net charge-offs | 761.7188% | 494 |
| Earnings coverage of net charge-offs (x) | 22.2656% | 1,056 |
| Efficiency ratio | 64.3795% | 5,299 |
| Assets per employee ($millions) | 8.0770% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 4,682 |
| Loan loss allowance to noncurrent loans | 47.1778% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 2.2826% | 2,967 |
| Noncurrent loans to loans | 2.9608% | 2,538 |
| Net loans and leases to total assets | 58.5497% | 4,541 |
| Net loans and leases to deposits | 85.4937% | 1,800 |
| Net loans and leases to core deposits | 86.8147% | 2,757 |
| Total domestic deposits to total assets | 68.4843% | 7,252 |
| Equity capital to assets | 14.5581% | 865 |
| Core capital (leverage) ratio | 14.0572% | 837 |
| Tier 1 risk-based capital ratio | 23.2815% | 1,052 |
| Total risk-based capital ratio | 24.5332% | 1,037 |
| Memoranda: | ||
| Average total assets | $1,086,501,000 | 624 |
| Average earning assets | $1,027,004,500 | 591 |
| Average equity | $155,734,000 | 457 |
| Average total loans | $644,508,500 | 666 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 6,402 |
| Cost of funding earning assets | 2.0354% | 530 |
| Net interest margin | 2.4647% | 7,291 |
| Noninterest income to average assets | 0.1835% | 6,445 |
| Noninterest expense to average assets | 1.7928% | 7,273 |
| Loan and lease loss provision to assets | 0.5344% | 3,018 |
| Net operating income to assets | 0.1290% | 5,511 |
| Return on assets (ROA) | 0.2488% | 5,267 |
| Pretax return on assets | 0.3519% | 5,074 |
| Return on Equity (ROE) | 2.1058% | 5,347 |
| Retained earnings to average equity (ytd only) | 2.1058% | 4,407 |
| Net charge-offs to loans | 0.8638% | 2,471 |
| Credit loss provision to net charge-offs | 109.9451% | 4,010 |
| Earnings coverage of net charge-offs (x) | 1.4760% | 4,647 |
| Efficiency ratio | 71.4193% | 3,907 |
| Assets per employee ($millions) | 7.9620% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 5,331 |
| Loan loss allowance to noncurrent loans | 36.2268% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 2.4731% | 2,797 |
| Noncurrent loans to loans | 3.4182% | 2,222 |
| Net loans and leases to total assets | 58.5276% | 4,953 |
| Net loans and leases to deposits | 84.6395% | 2,350 |
| Net loans and leases to core deposits | 86.0289% | 3,313 |
| Total domestic deposits to total assets | 69.1493% | 7,279 |
| Equity capital to assets | 14.1140% | 999 |
| Core capital (leverage) ratio | 13.5999% | 960 |
| Tier 1 risk-based capital ratio | 22.5281% | 1,102 |
| Total risk-based capital ratio | 23.7556% | 1,091 |
| Memoranda: | ||
| Average total assets | $1,162,586,000 | 573 |
| Average earning assets | $1,097,519,600 | 549 |
| Average equity | $137,380,400 | 502 |
| Average total loans | $654,203,600 | 670 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5116% | 6,582 |
| Cost of funding earning assets | 2.1388% | 467 |
| Net interest margin | 2.3728% | 7,455 |
| Noninterest income to average assets | 0.1625% | 6,703 |
| Noninterest expense to average assets | 1.7650% | 7,372 |
| Loan and lease loss provision to assets | 0.5493% | 2,749 |
| Net operating income to assets | 0.0635% | 5,859 |
| Return on assets (ROA) | 0.2234% | 5,598 |
| Pretax return on assets | 0.3111% | 5,474 |
| Return on Equity (ROE) | 1.9806% | 5,614 |
| Retained earnings to average equity (ytd only) | 1.9806% | 4,962 |
| Net charge-offs to loans | 0.8908% | 2,217 |
| Credit loss provision to net charge-offs | 110.9461% | 3,813 |
| Earnings coverage of net charge-offs (x) | 1.2893% | 4,790 |
| Efficiency ratio | 73.4407% | 3,426 |
| Assets per employee ($millions) | 8.0909% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 5,481 |
| Loan loss allowance to noncurrent loans | 32.6741% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 2.6431% | 2,743 |
| Noncurrent loans to loans | 3.6788% | 2,123 |
| Net loans and leases to total assets | 57.9058% | 5,278 |
| Net loans and leases to deposits | 82.6214% | 2,980 |
| Net loans and leases to core deposits | 83.8651% | 3,963 |
| Total domestic deposits to total assets | 70.0857% | 7,268 |
| Equity capital to assets | 13.6431% | 1,297 |
| Core capital (leverage) ratio | 13.0900% | 1,194 |
| Tier 1 risk-based capital ratio | 22.4816% | 1,133 |
| Total risk-based capital ratio | 23.7040% | 1,109 |
| Memoranda: | ||
| Average total assets | $1,178,543,000 | 565 |
| Average earning assets | $1,112,953,000 | 541 |
| Average equity | $132,955,750 | 504 |
| Average total loans | $654,969,500 | 669 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 6,741 |
| Cost of funding earning assets | 2.1830% | 493 |
| Net interest margin | 2.3034% | 7,532 |
| Noninterest income to average assets | 0.1595% | 6,754 |
| Noninterest expense to average assets | 1.6999% | 7,503 |
| Loan and lease loss provision to assets | 0.3294% | 3,766 |
| Net operating income to assets | 0.2170% | 5,501 |
| Return on assets (ROA) | 0.2170% | 5,632 |
| Pretax return on assets | 0.3021% | 5,494 |
| Return on Equity (ROE) | 2.0595% | 5,618 |
| Retained earnings to average equity (ytd only) | 2.0595% | 4,830 |
| Net charge-offs to loans | 0.2261% | 4,243 |
| Credit loss provision to net charge-offs | 266.7571% | 1,418 |
| Earnings coverage of net charge-offs (x) | 5.1140% | 2,745 |
| Efficiency ratio | 72.9161% | 3,673 |
| Assets per employee ($millions) | 9.0970% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 4,895 |
| Loan loss allowance to noncurrent loans | 35.2388% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 2.4695% | 2,910 |
| Noncurrent loans to loans | 3.7005% | 2,112 |
| Net loans and leases to total assets | 53.0110% | 6,108 |
| Net loans and leases to deposits | 73.0704% | 4,822 |
| Net loans and leases to core deposits | 74.2581% | 5,414 |
| Total domestic deposits to total assets | 72.5479% | 7,135 |
| Equity capital to assets | 12.5158% | 1,791 |
| Core capital (leverage) ratio | 11.8854% | 1,711 |
| Tier 1 risk-based capital ratio | 21.8915% | 1,220 |
| Total risk-based capital ratio | 23.1423% | 1,196 |
| Memoranda: | ||
| Average total assets | $1,193,816,330 | 558 |
| Average earning assets | $1,125,625,000 | 536 |
| Average equity | $125,761,670 | 527 |
| Average total loans | $651,995,330 | 677 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6304% | 6,469 |
| Cost of funding earning assets | 2.3137% | 415 |
| Net interest margin | 2.3167% | 7,586 |
| Noninterest income to average assets | 0.1583% | 6,836 |
| Noninterest expense to average assets | 1.7345% | 7,543 |
| Loan and lease loss provision to assets | 0.3052% | 3,597 |
| Net operating income to assets | 0.2083% | 5,653 |
| Return on assets (ROA) | 0.2083% | 5,774 |
| Pretax return on assets | 0.2929% | 5,622 |
| Return on Equity (ROE) | 2.1979% | 5,677 |
| Retained earnings to average equity (ytd only) | 2.1979% | 4,811 |
| Net charge-offs to loans | 0.1828% | 3,825 |
| Credit loss provision to net charge-offs | 303.0612% | 1,296 |
| Earnings coverage of net charge-offs (x) | 5.9388% | 2,312 |
| Efficiency ratio | 74.3575% | 3,518 |
| Assets per employee ($millions) | 8.5808% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 5,286 |
| Loan loss allowance to noncurrent loans | 31.2625% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 2.8234% | 2,570 |
| Noncurrent loans to loans | 3.9630% | 1,982 |
| Net loans and leases to total assets | 55.7189% | 5,788 |
| Net loans and leases to deposits | 75.0238% | 4,571 |
| Net loans and leases to core deposits | 76.1450% | 5,241 |
| Total domestic deposits to total assets | 74.2683% | 7,012 |
| Equity capital to assets | 9.9419% | 3,937 |
| Core capital (leverage) ratio | 9.3745% | 3,941 |
| Tier 1 risk-based capital ratio | 16.1173% | 2,609 |
| Total risk-based capital ratio | 17.3335% | 2,573 |
| Memoranda: | ||
| Average total assets | $1,167,582,500 | 584 |
| Average earning assets | $1,095,889,500 | 564 |
| Average equity | $110,651,500 | 598 |
| Average total loans | $643,294,500 | 708 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8604% | 6,808 |
| Cost of funding earning assets | 2.6694% | 633 |
| Net interest margin | 2.1910% | 7,649 |
| Noninterest income to average assets | 0.1761% | 6,821 |
| Noninterest expense to average assets | 1.7880% | 7,623 |
| Loan and lease loss provision to assets | 0.8075% | 2,711 |
| Net operating income to assets | -0.2095% | 5,850 |
| Return on assets (ROA) | -0.0823% | 5,660 |
| Pretax return on assets | -0.1513% | 5,646 |
| Return on Equity (ROE) | -0.8806% | 5,681 |
| Retained earnings to average equity (ytd only) | -0.8806% | 5,222 |
| Net charge-offs to loans | 1.1381% | 2,148 |
| Credit loss provision to net charge-offs | 128.5430% | 4,010 |
| Earnings coverage of net charge-offs (x) | 0.7283% | 5,370 |
| Efficiency ratio | 79.6242% | 2,935 |
| Assets per employee ($millions) | 8.5272% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 5,444 |
| Loan loss allowance to noncurrent loans | 28.2220% | 6,587 |
| Noncurrent assets plus other real estate owned to assets | 2.7498% | 2,539 |
| Noncurrent loans to loans | 4.1980% | 1,738 |
| Net loans and leases to total assets | 53.1580% | 6,293 |
| Net loans and leases to deposits | 71.3684% | 5,420 |
| Net loans and leases to core deposits | 84.6391% | 5,663 |
| Total domestic deposits to total assets | 74.4839% | 6,951 |
| Equity capital to assets | 9.0193% | 5,118 |
| Core capital (leverage) ratio | 8.5106% | 5,267 |
| Tier 1 risk-based capital ratio | 15.4086% | 2,756 |
| Total risk-based capital ratio | 16.5690% | 2,748 |
| Memoranda: | ||
| Average total assets | $1,120,959,600 | 594 |
| Average earning assets | $1,058,789,400 | 572 |
| Average equity | $104,809,000 | 621 |
| Average total loans | $618,738,400 | 753 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 6,979 |
| Cost of funding earning assets | 2.7171% | 758 |
| Net interest margin | 2.1459% | 7,736 |
| Noninterest income to average assets | 0.1813% | 6,929 |
| Noninterest expense to average assets | 1.8494% | 7,612 |
| Loan and lease loss provision to assets | 0.2905% | 4,651 |
| Net operating income to assets | 0.0552% | 5,591 |
| Return on assets (ROA) | 0.1792% | 5,291 |
| Pretax return on assets | 0.2410% | 5,208 |
| Return on Equity (ROE) | 1.8989% | 5,201 |
| Retained earnings to average equity (ytd only) | 1.8989% | 4,262 |
| Net charge-offs to loans | 0.0778% | 5,901 |
| Credit loss provision to net charge-offs | 671.8663% | 555 |
| Earnings coverage of net charge-offs (x) | 8.4151% | 2,246 |
| Efficiency ratio | 83.5601% | 2,342 |
| Assets per employee ($millions) | 8.6148% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 5,221 |
| Loan loss allowance to noncurrent loans | 49.4008% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 1.4427% | 4,222 |
| Noncurrent loans to loans | 2.3898% | 3,156 |
| Net loans and leases to total assets | 53.1163% | 6,482 |
| Net loans and leases to deposits | 72.0159% | 5,651 |
| Net loans and leases to core deposits | 85.8415% | 5,880 |
| Total domestic deposits to total assets | 73.7563% | 6,997 |
| Equity capital to assets | 9.1607% | 5,238 |
| Core capital (leverage) ratio | 8.6300% | 5,257 |
| Tier 1 risk-based capital ratio | 15.3856% | 2,872 |
| Total risk-based capital ratio | 16.5251% | 2,863 |
| Memoranda: | ||
| Average total assets | $1,107,009,750 | 611 |
| Average earning assets | $1,048,239,750 | 586 |
| Average equity | $104,477,250 | 635 |
| Average total loans | $615,162,750 | 780 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 7,100 |
| Cost of funding earning assets | 2.7329% | 955 |
| Net interest margin | 2.1344% | 7,791 |
| Noninterest income to average assets | 0.1997% | 6,861 |
| Noninterest expense to average assets | 1.8918% | 7,635 |
| Loan and lease loss provision to assets | 0.1782% | 5,267 |
| Net operating income to assets | 0.1142% | 5,522 |
| Return on assets (ROA) | 0.1745% | 5,441 |
| Pretax return on assets | 0.2314% | 5,383 |
| Return on Equity (ROE) | 1.8291% | 5,364 |
| Retained earnings to average equity (ytd only) | 1.8291% | 4,324 |
| Net charge-offs to loans | 0.0293% | 6,055 |
| Credit loss provision to net charge-offs | 1,080.8989% | 456 |
| Earnings coverage of net charge-offs (x) | 19.9663% | 1,335 |
| Efficiency ratio | 85.1793% | 2,337 |
| Assets per employee ($millions) | 8.2465% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 6,035 |
| Loan loss allowance to noncurrent loans | 77.5436% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.8680% | 5,253 |
| Noncurrent loans to loans | 1.3249% | 4,564 |
| Net loans and leases to total assets | 52.3548% | 6,638 |
| Net loans and leases to deposits | 71.0875% | 5,860 |
| Net loans and leases to core deposits | 85.1457% | 5,998 |
| Total domestic deposits to total assets | 73.6484% | 7,007 |
| Equity capital to assets | 9.0324% | 5,268 |
| Core capital (leverage) ratio | 8.7134% | 5,068 |
| Tier 1 risk-based capital ratio | 15.8068% | 2,689 |
| Total risk-based capital ratio | 16.7983% | 2,725 |
| Memoranda: | ||
| Average total assets | $1,079,730,670 | 645 |
| Average earning assets | $1,022,495,670 | 608 |
| Average equity | $103,000,670 | 649 |
| Average total loans | $607,212,000 | 807 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 7,231 |
| Cost of funding earning assets | 2.5792% | 1,625 |
| Net interest margin | 2.2953% | 7,719 |
| Noninterest income to average assets | 0.1648% | 7,127 |
| Noninterest expense to average assets | 1.8664% | 7,614 |
| Loan and lease loss provision to assets | 0.1528% | 4,977 |
| Net operating income to assets | 0.2401% | 5,529 |
| Return on assets (ROA) | 0.2410% | 5,687 |
| Pretax return on assets | 0.3234% | 5,610 |
| Return on Equity (ROE) | 2.4524% | 5,598 |
| Retained earnings to average equity (ytd only) | 2.4524% | 4,510 |
| Net charge-offs to loans | 0.0093% | 5,525 |
| Credit loss provision to net charge-offs | 2,821.4286% | 241 |
| Earnings coverage of net charge-offs (x) | 87.7143% | 488 |
| Efficiency ratio | 79.7125% | 2,858 |
| Assets per employee ($millions) | 8.2888% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 6,455 |
| Loan loss allowance to noncurrent loans | 94.5267% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 5,831 |
| Noncurrent loans to loans | 1.0116% | 4,978 |
| Net loans and leases to total assets | 53.5612% | 6,521 |
| Net loans and leases to deposits | 73.3033% | 5,570 |
| Net loans and leases to core deposits | 88.3197% | 5,703 |
| Total domestic deposits to total assets | 73.0679% | 7,037 |
| Equity capital to assets | 9.1049% | 5,219 |
| Core capital (leverage) ratio | 8.9072% | 4,854 |
| Tier 1 risk-based capital ratio | 16.3988% | 2,553 |
| Total risk-based capital ratio | 17.3541% | 2,593 |
| Memoranda: | ||
| Average total assets | $1,034,095,000 | 671 |
| Average earning assets | $980,611,000 | 639 |
| Average equity | $101,616,000 | 663 |
| Average total loans | $601,098,000 | 820 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5880% | 7,109 |
| Cost of funding earning assets | 3.0333% | 1,739 |
| Net interest margin | 2.5548% | 7,690 |
| Noninterest income to average assets | 0.1808% | 7,150 |
| Noninterest expense to average assets | 2.1182% | 7,193 |
| Loan and lease loss provision to assets | 0.3335% | 3,721 |
| Net operating income to assets | 0.1273% | 6,029 |
| Return on assets (ROA) | 0.1392% | 5,835 |
| Pretax return on assets | 0.1579% | 5,823 |
| Return on Equity (ROE) | 1.2246% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.2246% | 4,492 |
| Net charge-offs to loans | 0.1512% | 4,693 |
| Credit loss provision to net charge-offs | 369.4268% | 1,196 |
| Earnings coverage of net charge-offs (x) | 5.2930% | 3,692 |
| Efficiency ratio | 81.5955% | 2,362 |
| Assets per employee ($millions) | 6.8074% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 6,487 |
| Loan loss allowance to noncurrent loans | 108.0693% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 5,544 |
| Noncurrent loans to loans | 0.8640% | 4,894 |
| Net loans and leases to total assets | 62.4700% | 5,544 |
| Net loans and leases to deposits | 92.5877% | 3,036 |
| Net loans and leases to core deposits | 105.4859% | 4,244 |
| Total domestic deposits to total assets | 67.4712% | 7,519 |
| Equity capital to assets | 10.7052% | 3,293 |
| Core capital (leverage) ratio | 10.7046% | 2,818 |
| Tier 1 risk-based capital ratio | 17.9831% | 2,042 |
| Total risk-based capital ratio | 18.9722% | 2,052 |
| Memoranda: | ||
| Average total assets | $869,661,400 | 778 |
| Average earning assets | $822,152,800 | 737 |
| Average equity | $98,891,600 | 673 |
| Average total loans | $519,284,400 | 912 |