Home > H&R Block Bank > Performance and Condition Ratios
H&R Block 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 | 5.1464% | 461 |
| Cost of funding earning assets | 0.0569% | 6,255 |
| Net interest margin | 5.0895% | 213 |
| Noninterest income to average assets | 17.2138% | 51 |
| Noninterest expense to average assets | 8.6310% | 99 |
| Loan and lease loss provision to assets | -0.2116% | 6,187 |
| Net operating income to assets | 8.5814% | 29 |
| Return on assets (ROA) | 8.5372% | 29 |
| Pretax return on assets | 13.7004% | 23 |
| Return on Equity (ROE) | 19.3731% | 302 |
| Retained earnings to average equity (ytd only) | 14.9283% | 194 |
| Net charge-offs to loans | 0.4356% | 588 |
| Credit loss provision to net charge-offs | -155.7110% | 4,981 |
| Earnings coverage of net charge-offs (x) | 99.7704% | 599 |
| Efficiency ratio | 38.8978% | 6,224 |
| Assets per employee ($millions) | 18.6130% | 55 |
| Cash dividends to net income (ytd only)* | 22.9431% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2929% | 85 |
| Loan loss allowance to noncurrent loans | 14.0317% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 8.3095% | 85 |
| Noncurrent loans to loans | 30.5945% | 3 |
| Net loans and leases to total assets | 24.7800% | 6,149 |
| Net loans and leases to deposits | 48.4704% | 5,574 |
| Net loans and leases to core deposits | 49.8774% | 5,620 |
| Total domestic deposits to total assets | 51.1239% | 6,287 |
| Equity capital to assets | 41.4155% | 47 |
| Core capital (leverage) ratio | 32.7325% | 58 |
| Tier 1 risk-based capital ratio | 139.4801% | 33 |
| Total risk-based capital ratio | 140.7616% | 33 |
| Memoranda: | ||
| Average total assets | $1,262,778,330 | 565 |
| Average earning assets | $1,234,386,670 | 530 |
| Average equity | $556,473,670 | 199 |
| Average total loans | $393,932,670 | 1,172 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5298% | 47 |
| Cost of funding earning assets | 0.0626% | 6,320 |
| Net interest margin | 7.4672% | 38 |
| Noninterest income to average assets | 24.0120% | 37 |
| Noninterest expense to average assets | 10.0900% | 81 |
| Loan and lease loss provision to assets | -0.2760% | 6,298 |
| Net operating income to assets | 13.3306% | 15 |
| Return on assets (ROA) | 13.3306% | 15 |
| Pretax return on assets | 21.5017% | 12 |
| Return on Equity (ROE) | 29.6384% | 60 |
| Retained earnings to average equity (ytd only) | 29.6384% | 25 |
| Net charge-offs to loans | 0.2174% | 1,077 |
| Credit loss provision to net charge-offs | -384.5850% | 4,763 |
| Earnings coverage of net charge-offs (x) | 295.7826% | 194 |
| Efficiency ratio | 32.2202% | 6,353 |
| Assets per employee ($millions) | 25.7830% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5089% | 87 |
| Loan loss allowance to noncurrent loans | 15.1116% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 5.1684% | 235 |
| Noncurrent loans to loans | 29.8370% | 3 |
| Net loans and leases to total assets | 15.5353% | 6,323 |
| Net loans and leases to deposits | 28.2915% | 6,214 |
| Net loans and leases to core deposits | 28.9079% | 6,222 |
| Total domestic deposits to total assets | 54.9117% | 6,345 |
| Equity capital to assets | 41.2435% | 47 |
| Core capital (leverage) ratio | 34.7142% | 57 |
| Tier 1 risk-based capital ratio | 234.6939% | 25 |
| Total risk-based capital ratio | 235.9805% | 25 |
| Memoranda: | ||
| Average total assets | $1,410,230,000 | 507 |
| Average earning assets | $1,379,374,500 | 474 |
| Average equity | $634,285,500 | 178 |
| Average total loans | $465,600,500 | 995 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6884% | 1,337 |
| Cost of funding earning assets | 0.0778% | 6,376 |
| Net interest margin | 4.6107% | 606 |
| Noninterest income to average assets | 11.4089% | 60 |
| Noninterest expense to average assets | 6.9598% | 138 |
| Loan and lease loss provision to assets | 0.1307% | 2,005 |
| Net operating income to assets | 5.3905% | 39 |
| Return on assets (ROA) | 4.7862% | 43 |
| Pretax return on assets | 7.8520% | 32 |
| Return on Equity (ROE) | 11.0514% | 1,712 |
| Retained earnings to average equity (ytd only) | 11.0514% | 375 |
| Net charge-offs to loans | 1.4055% | 179 |
| Credit loss provision to net charge-offs | 27.4576% | 3,879 |
| Earnings coverage of net charge-offs (x) | 18.7542% | 1,824 |
| Efficiency ratio | 43.8088% | 6,325 |
| Assets per employee ($millions) | 18.2375% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9299% | 1,239 |
| Loan loss allowance to noncurrent loans | 16.3595% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 6.8919% | 152 |
| Noncurrent loans to loans | 11.7966% | 48 |
| Net loans and leases to total assets | 53.8651% | 4,598 |
| Net loans and leases to deposits | 118.7771% | 105 |
| Net loans and leases to core deposits | 153.8368% | 102 |
| Total domestic deposits to total assets | 45.3497% | 6,454 |
| Equity capital to assets | 49.8624% | 41 |
| Core capital (leverage) ratio | 49.5998% | 41 |
| Tier 1 risk-based capital ratio | 86.1851% | 55 |
| Total risk-based capital ratio | 87.4425% | 54 |
| Memoranda: | ||
| Average total assets | $1,312,200,200 | 517 |
| Average earning assets | $1,274,388,000 | 491 |
| Average equity | $568,299,000 | 185 |
| Average total loans | $444,400,200 | 991 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2446% | 2,826 |
| Cost of funding earning assets | 0.0833% | 6,451 |
| Net interest margin | 4.1613% | 1,393 |
| Noninterest income to average assets | 13.0269% | 57 |
| Noninterest expense to average assets | 7.2477% | 133 |
| Loan and lease loss provision to assets | 0.0480% | 3,417 |
| Net operating income to assets | 5.9982% | 34 |
| Return on assets (ROA) | 5.2062% | 43 |
| Pretax return on assets | 8.5347% | 33 |
| Return on Equity (ROE) | 12.4522% | 1,352 |
| Retained earnings to average equity (ytd only) | 12.4522% | 380 |
| Net charge-offs to loans | 1.4254% | 174 |
| Credit loss provision to net charge-offs | 11.6043% | 3,684 |
| Earnings coverage of net charge-offs (x) | 23.7182% | 1,576 |
| Efficiency ratio | 42.4635% | 6,406 |
| Assets per employee ($millions) | 16.5221% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9655% | 84 |
| Loan loss allowance to noncurrent loans | 16.7988% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 8.0642% | 129 |
| Noncurrent loans to loans | 29.5586% | 3 |
| Net loans and leases to total assets | 24.2541% | 6,383 |
| Net loans and leases to deposits | 59.6696% | 4,973 |
| Net loans and leases to core deposits | 62.0860% | 5,028 |
| Total domestic deposits to total assets | 40.6474% | 6,542 |
| Equity capital to assets | 54.3509% | 39 |
| Core capital (leverage) ratio | 54.2929% | 38 |
| Tier 1 risk-based capital ratio | 198.1140% | 26 |
| Total risk-based capital ratio | 199.4056% | 26 |
| Memoranda: | ||
| Average total assets | $1,334,772,500 | 513 |
| Average earning assets | $1,296,236,750 | 487 |
| Average equity | $558,055,250 | 186 |
| Average total loans | $387,716,500 | 1,143 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0827% | 642 |
| Cost of funding earning assets | 0.0974% | 6,489 |
| Net interest margin | 4.9853% | 292 |
| Noninterest income to average assets | 16.3030% | 46 |
| Noninterest expense to average assets | 8.4317% | 99 |
| Loan and lease loss provision to assets | -0.0201% | 6,247 |
| Net operating income to assets | 7.8211% | 24 |
| Return on assets (ROA) | 6.6685% | 33 |
| Pretax return on assets | 10.9320% | 26 |
| Return on Equity (ROE) | 17.2804% | 524 |
| Retained earnings to average equity (ytd only) | 17.2804% | 138 |
| Net charge-offs to loans | 1.0368% | 334 |
| Credit loss provision to net charge-offs | -6.4575% | 5,065 |
| Earnings coverage of net charge-offs (x) | 40.9372% | 1,041 |
| Efficiency ratio | 39.8762% | 6,522 |
| Assets per employee ($millions) | 16.2360% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2586% | 74 |
| Loan loss allowance to noncurrent loans | 18.1705% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 7.8160% | 142 |
| Noncurrent loans to loans | 28.9405% | 4 |
| Net loans and leases to total assets | 23.6654% | 6,458 |
| Net loans and leases to deposits | 52.8739% | 5,436 |
| Net loans and leases to core deposits | 54.9923% | 5,486 |
| Total domestic deposits to total assets | 44.7582% | 6,604 |
| Equity capital to assets | 51.0193% | 40 |
| Core capital (leverage) ratio | 50.9456% | 40 |
| Tier 1 risk-based capital ratio | 189.9135% | 29 |
| Total risk-based capital ratio | 191.2086% | 29 |
| Memoranda: | ||
| Average total assets | $1,416,209,670 | 486 |
| Average earning assets | $1,375,406,670 | 453 |
| Average equity | $546,515,330 | 191 |
| Average total loans | $424,188,330 | 1,031 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6095% | 50 |
| Cost of funding earning assets | 0.1246% | 6,471 |
| Net interest margin | 7.4849% | 39 |
| Noninterest income to average assets | 23.8503% | 34 |
| Noninterest expense to average assets | 9.8069% | 79 |
| Loan and lease loss provision to assets | -0.5336% | 6,668 |
| Net operating income to assets | 13.3230% | 14 |
| Return on assets (ROA) | 13.3230% | 14 |
| Pretax return on assets | 21.8409% | 14 |
| Return on Equity (ROE) | 39.2293% | 33 |
| Retained earnings to average equity (ytd only) | 39.2293% | 19 |
| Net charge-offs to loans | -0.3624% | 6,514 |
| Credit loss provision to net charge-offs | 463.0045% | 577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.5189% | 6,664 |
| Assets per employee ($millions) | 24.7850% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2726% | 80 |
| Loan loss allowance to noncurrent loans | 18.6153% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 5.3210% | 365 |
| Noncurrent loans to loans | 28.3240% | 4 |
| Net loans and leases to total assets | 16.4276% | 6,622 |
| Net loans and leases to deposits | 26.0834% | 6,543 |
| Net loans and leases to core deposits | 30.9077% | 6,481 |
| Total domestic deposits to total assets | 62.9811% | 6,606 |
| Equity capital to assets | 31.8461% | 64 |
| Core capital (leverage) ratio | 32.1222% | 62 |
| Tier 1 risk-based capital ratio | 167.2146% | 35 |
| Total risk-based capital ratio | 168.5076% | 35 |
| Memoranda: | ||
| Average total assets | $1,547,937,000 | 452 |
| Average earning assets | $1,502,232,500 | 423 |
| Average equity | $525,709,000 | 194 |
| Average total loans | $492,309,500 | 903 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 3,813 |
| Cost of funding earning assets | 0.2268% | 6,129 |
| Net interest margin | 3.8544% | 2,459 |
| Noninterest income to average assets | 10.0141% | 68 |
| Noninterest expense to average assets | 7.0114% | 145 |
| Loan and lease loss provision to assets | 1.4884% | 90 |
| Net operating income to assets | 3.1464% | 97 |
| Return on assets (ROA) | 3.1464% | 97 |
| Pretax return on assets | 5.2648% | 50 |
| Return on Equity (ROE) | 9.5450% | 2,312 |
| Retained earnings to average equity (ytd only) | 9.5450% | 658 |
| Net charge-offs to loans | 5.1098% | 23 |
| Credit loss provision to net charge-offs | 85.1758% | 2,891 |
| Earnings coverage of net charge-offs (x) | 3.8647% | 3,732 |
| Efficiency ratio | 50.9383% | 6,362 |
| Assets per employee ($millions) | 20.0135% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5570% | 769 |
| Loan loss allowance to noncurrent loans | 20.0401% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 7.0362% | 239 |
| Noncurrent loans to loans | 12.7592% | 59 |
| Net loans and leases to total assets | 48.9566% | 5,200 |
| Net loans and leases to deposits | 82.5420% | 2,125 |
| Net loans and leases to core deposits | 150.6762% | 95 |
| Total domestic deposits to total assets | 59.3111% | 6,716 |
| Equity capital to assets | 36.6592% | 53 |
| Core capital (leverage) ratio | 37.0805% | 48 |
| Tier 1 risk-based capital ratio | 71.2710% | 72 |
| Total risk-based capital ratio | 72.5359% | 71 |
| Memoranda: | ||
| Average total assets | $1,495,526,800 | 455 |
| Average earning assets | $1,455,235,200 | 426 |
| Average equity | $492,982,400 | 197 |
| Average total loans | $511,424,200 | 832 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8367% | 4,713 |
| Cost of funding earning assets | 0.2486% | 6,098 |
| Net interest margin | 3.5882% | 3,503 |
| Noninterest income to average assets | 11.7050% | 57 |
| Noninterest expense to average assets | 7.3954% | 134 |
| Loan and lease loss provision to assets | 1.8419% | 48 |
| Net operating income to assets | 3.5539% | 76 |
| Return on assets (ROA) | 3.5539% | 75 |
| Pretax return on assets | 5.9652% | 46 |
| Return on Equity (ROE) | 11.0570% | 1,799 |
| Retained earnings to average equity (ytd only) | 11.0570% | 568 |
| Net charge-offs to loans | 6.0561% | 18 |
| Credit loss provision to net charge-offs | 99.3043% | 2,403 |
| Earnings coverage of net charge-offs (x) | 4.2091% | 3,505 |
| Efficiency ratio | 48.6459% | 6,471 |
| Assets per employee ($millions) | 17.9118% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2555% | 42 |
| Loan loss allowance to noncurrent loans | 22.5023% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 8.1826% | 217 |
| Noncurrent loans to loans | 27.7996% | 6 |
| Net loans and leases to total assets | 25.7153% | 6,654 |
| Net loans and leases to deposits | 45.8128% | 6,114 |
| Net loans and leases to core deposits | 65.1896% | 4,779 |
| Total domestic deposits to total assets | 56.1313% | 6,814 |
| Equity capital to assets | 40.2177% | 44 |
| Core capital (leverage) ratio | 40.4425% | 42 |
| Tier 1 risk-based capital ratio | 138.6446% | 38 |
| Total risk-based capital ratio | 139.9514% | 38 |
| Memoranda: | ||
| Average total assets | $1,529,178,250 | 450 |
| Average earning assets | $1,490,567,750 | 419 |
| Average equity | $491,502,250 | 195 |
| Average total loans | $468,344,500 | 908 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 1,866 |
| Cost of funding earning assets | 0.2761% | 6,012 |
| Net interest margin | 4.3202% | 994 |
| Noninterest income to average assets | 14.5501% | 52 |
| Noninterest expense to average assets | 8.5602% | 107 |
| Loan and lease loss provision to assets | 1.4342% | 96 |
| Net operating income to assets | 5.2339% | 39 |
| Return on assets (ROA) | 5.2339% | 40 |
| Pretax return on assets | 8.7764% | 28 |
| Return on Equity (ROE) | 17.3903% | 521 |
| Retained earnings to average equity (ytd only) | 17.3903% | 147 |
| Net charge-offs to loans | 3.6211% | 69 |
| Credit loss provision to net charge-offs | 125.9935% | 1,791 |
| Earnings coverage of net charge-offs (x) | 8.9698% | 2,342 |
| Efficiency ratio | 45.6036% | 6,653 |
| Assets per employee ($millions) | 18.8957% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3871% | 41 |
| Loan loss allowance to noncurrent loans | 23.4054% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 8.0216% | 252 |
| Noncurrent loans to loans | 27.2888% | 6 |
| Net loans and leases to total assets | 25.6012% | 6,690 |
| Net loans and leases to deposits | 43.0508% | 6,281 |
| Net loans and leases to core deposits | 59.7201% | 5,286 |
| Total domestic deposits to total assets | 59.4674% | 6,842 |
| Equity capital to assets | 36.7897% | 47 |
| Core capital (leverage) ratio | 36.9296% | 43 |
| Tier 1 risk-based capital ratio | 131.2101% | 37 |
| Total risk-based capital ratio | 132.5211% | 37 |
| Memoranda: | ||
| Average total assets | $1,626,933,670 | 425 |
| Average earning assets | $1,589,448,000 | 397 |
| Average equity | $489,651,330 | 195 |
| Average total loans | $511,450,330 | 828 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3845% | 105 |
| Cost of funding earning assets | 0.3535% | 5,499 |
| Net interest margin | 6.0310% | 73 |
| Noninterest income to average assets | 20.6759% | 38 |
| Noninterest expense to average assets | 10.1111% | 83 |
| Loan and lease loss provision to assets | 0.6879% | 345 |
| Net operating income to assets | 9.4060% | 22 |
| Return on assets (ROA) | 9.4060% | 22 |
| Pretax return on assets | 15.7820% | 16 |
| Return on Equity (ROE) | 34.1912% | 55 |
| Retained earnings to average equity (ytd only) | 34.1912% | 33 |
| Net charge-offs to loans | 2.8895% | 123 |
| Credit loss provision to net charge-offs | 72.1058% | 2,260 |
| Earnings coverage of net charge-offs (x) | 17.2639% | 1,327 |
| Efficiency ratio | 38.0389% | 6,904 |
| Assets per employee ($millions) | 27.7365% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1420% | 123 |
| Loan loss allowance to noncurrent loans | 20.5376% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 5.3776% | 646 |
| Noncurrent loans to loans | 25.0371% | 9 |
| Net loans and leases to total assets | 18.9096% | 6,872 |
| Net loans and leases to deposits | 26.6397% | 6,805 |
| Net loans and leases to core deposits | 34.6003% | 6,659 |
| Total domestic deposits to total assets | 70.9825% | 6,708 |
| Equity capital to assets | 25.6042% | 91 |
| Core capital (leverage) ratio | 25.4778% | 85 |
| Tier 1 risk-based capital ratio | 130.2937% | 37 |
| Total risk-based capital ratio | 131.5929% | 36 |
| Memoranda: | ||
| Average total assets | $1,760,157,000 | 397 |
| Average earning assets | $1,723,419,500 | 372 |
| Average equity | $484,217,500 | 201 |
| Average total loans | $581,143,000 | 721 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0139% | 5,260 |
| Cost of funding earning assets | 0.4537% | 5,557 |
| Net interest margin | 3.5601% | 4,266 |
| Noninterest income to average assets | 11.3681% | 64 |
| Noninterest expense to average assets | 6.6093% | 168 |
| Loan and lease loss provision to assets | 1.4510% | 223 |
| Net operating income to assets | 4.0257% | 60 |
| Return on assets (ROA) | 4.0342% | 61 |
| Pretax return on assets | 6.7738% | 44 |
| Return on Equity (ROE) | 12.7299% | 1,304 |
| Retained earnings to average equity (ytd only) | 2.9712% | 4,139 |
| Net charge-offs to loans | 4.3704% | 53 |
| Credit loss provision to net charge-offs | 81.0735% | 3,789 |
| Earnings coverage of net charge-offs (x) | 4.5880% | 3,315 |
| Efficiency ratio | 44.5947% | 6,828 |
| Assets per employee ($millions) | 22.1575% | 52 |
| Cash dividends to net income (ytd only)* | 76.6596% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7747% | 844 |
| Loan loss allowance to noncurrent loans | 21.9384% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 6.6982% | 476 |
| Noncurrent loans to loans | 12.6475% | 131 |
| Net loans and leases to total assets | 48.2493% | 5,382 |
| Net loans and leases to deposits | 70.7010% | 3,603 |
| Net loans and leases to core deposits | 144.8531% | 120 |
| Total domestic deposits to total assets | 68.2442% | 6,848 |
| Equity capital to assets | 29.9295% | 67 |
| Core capital (leverage) ratio | 29.6798% | 62 |
| Tier 1 risk-based capital ratio | 60.6237% | 95 |
| Total risk-based capital ratio | 61.8929% | 93 |
| Memoranda: | ||
| Average total assets | $1,416,722,600 | 476 |
| Average earning assets | $1,373,965,000 | 446 |
| Average equity | $448,974,400 | 213 |
| Average total loans | $580,173,400 | 714 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7813% | 6,064 |
| Cost of funding earning assets | 0.4544% | 5,762 |
| Net interest margin | 3.3269% | 5,288 |
| Noninterest income to average assets | 13.7925% | 57 |
| Noninterest expense to average assets | 6.9075% | 152 |
| Loan and lease loss provision to assets | 1.2742% | 276 |
| Net operating income to assets | 5.2598% | 40 |
| Return on assets (ROA) | 5.2606% | 40 |
| Pretax return on assets | 8.8327% | 34 |
| Return on Equity (ROE) | 16.3450% | 690 |
| Retained earnings to average equity (ytd only) | -103.4579% | 7,163 |
| Net charge-offs to loans | 5.0060% | 41 |
| Credit loss provision to net charge-offs | 66.0768% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.2406% | 3,072 |
| Efficiency ratio | 40.6012% | 7,003 |
| Assets per employee ($millions) | 20.3672% | 60 |
| Cash dividends to net income (ytd only)* | 732.9632% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8558% | 159 |
| Loan loss allowance to noncurrent loans | 19.5404% | 6,497 |
| Noncurrent assets plus other real estate owned to assets | 8.5569% | 335 |
| Noncurrent loans to loans | 24.8501% | 18 |
| Net loans and leases to total assets | 30.5485% | 6,796 |
| Net loans and leases to deposits | 50.0407% | 6,101 |
| Net loans and leases to core deposits | 71.3156% | 4,335 |
| Total domestic deposits to total assets | 61.0473% | 7,052 |
| Equity capital to assets | 37.1378% | 48 |
| Core capital (leverage) ratio | 36.8449% | 48 |
| Tier 1 risk-based capital ratio | 126.8574% | 44 |
| Total risk-based capital ratio | 128.1583% | 44 |
| Memoranda: | ||
| Average total assets | $1,383,147,000 | 484 |
| Average earning assets | $1,338,885,500 | 453 |
| Average equity | $445,164,500 | 216 |
| Average total loans | $532,787,750 | 779 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6008% | 3,356 |
| Cost of funding earning assets | 0.4658% | 5,866 |
| Net interest margin | 4.1350% | 1,955 |
| Noninterest income to average assets | 18.4613% | 45 |
| Noninterest expense to average assets | 8.3121% | 106 |
| Loan and lease loss provision to assets | 1.5206% | 235 |
| Net operating income to assets | 7.5170% | 28 |
| Return on assets (ROA) | 7.5183% | 28 |
| Pretax return on assets | 12.6243% | 24 |
| Return on Equity (ROE) | 24.4492% | 163 |
| Retained earnings to average equity (ytd only) | -157.4711% | 7,224 |
| Net charge-offs to loans | 4.3213% | 96 |
| Credit loss provision to net charge-offs | 87.1513% | 3,129 |
| Earnings coverage of net charge-offs (x) | 8.1057% | 2,362 |
| Efficiency ratio | 37.0165% | 7,109 |
| Assets per employee ($millions) | 20.3564% | 57 |
| Cash dividends to net income (ytd only)* | 744.0753% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8391% | 86 |
| Loan loss allowance to noncurrent loans | 22.7307% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 9.7842% | 274 |
| Noncurrent loans to loans | 25.6883% | 16 |
| Net loans and leases to total assets | 33.5349% | 6,748 |
| Net loans and leases to deposits | 56.9696% | 5,555 |
| Net loans and leases to core deposits | 69.4650% | 4,604 |
| Total domestic deposits to total assets | 58.8646% | 7,141 |
| Equity capital to assets | 38.9616% | 45 |
| Core capital (leverage) ratio | 38.7020% | 44 |
| Tier 1 risk-based capital ratio | 122.4381% | 44 |
| Total risk-based capital ratio | 123.7540% | 44 |
| Memoranda: | ||
| Average total assets | $1,430,063,330 | 469 |
| Average earning assets | $1,381,239,000 | 440 |
| Average equity | $439,753,000 | 215 |
| Average total loans | $577,415,670 | 717 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8058% | 111 |
| Cost of funding earning assets | 0.5021% | 5,805 |
| Net interest margin | 6.3037% | 79 |
| Noninterest income to average assets | 28.9612% | 27 |
| Noninterest expense to average assets | 10.7392% | 72 |
| Loan and lease loss provision to assets | 1.4243% | 249 |
| Net operating income to assets | 13.7266% | 11 |
| Return on assets (ROA) | 13.7290% | 11 |
| Pretax return on assets | 22.8769% | 11 |
| Return on Equity (ROE) | 49.6834% | 33 |
| Retained earnings to average equity (ytd only) | -322.7349% | 7,297 |
| Net charge-offs to loans | 1.9802% | 477 |
| Credit loss provision to net charge-offs | 170.4958% | 1,496 |
| Earnings coverage of net charge-offs (x) | 29.0859% | 944 |
| Efficiency ratio | 30.6512% | 7,232 |
| Assets per employee ($millions) | 25.7295% | 49 |
| Cash dividends to net income (ytd only)* | 749.5830% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4024% | 61 |
| Loan loss allowance to noncurrent loans | 25.5658% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 7.6291% | 523 |
| Noncurrent loans to loans | 25.0428% | 20 |
| Net loans and leases to total assets | 26.9369% | 7,004 |
| Net loans and leases to deposits | 40.5750% | 6,711 |
| Net loans and leases to core deposits | 46.2955% | 6,551 |
| Total domestic deposits to total assets | 66.3878% | 7,098 |
| Equity capital to assets | 29.5867% | 66 |
| Core capital (leverage) ratio | 29.3956% | 66 |
| Tier 1 risk-based capital ratio | 118.9796% | 41 |
| Total risk-based capital ratio | 120.3062% | 41 |
| Memoranda: | ||
| Average total assets | $1,554,758,000 | 434 |
| Average earning assets | $1,498,493,000 | 408 |
| Average equity | $429,624,500 | 216 |
| Average total loans | $655,878,000 | 637 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7885% | 57 |
| Cost of funding earning assets | 0.5927% | 6,121 |
| Net interest margin | 7.1958% | 44 |
| Noninterest income to average assets | 1.8857% | 410 |
| Noninterest expense to average assets | 5.0780% | 363 |
| Loan and lease loss provision to assets | 2.1015% | 263 |
| Net operating income to assets | 0.8980% | 2,614 |
| Return on assets (ROA) | 0.8980% | 2,746 |
| Pretax return on assets | 1.5488% | 1,343 |
| Return on Equity (ROE) | 3.2820% | 5,164 |
| Retained earnings to average equity (ytd only) | -52.2493% | 7,209 |
| Net charge-offs to loans | 5.3403% | 65 |
| Credit loss provision to net charge-offs | 79.6259% | 4,471 |
| Earnings coverage of net charge-offs (x) | 1.3831% | 4,732 |
| Efficiency ratio | 58.1785% | 6,029 |
| Assets per employee ($millions) | 24.8531% | 51 |
| Cash dividends to net income (ytd only)* | 1,691.9838% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0152% | 801 |
| Loan loss allowance to noncurrent loans | 26.3200% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 6.6768% | 700 |
| Noncurrent loans to loans | 11.4560% | 244 |
| Net loans and leases to total assets | 53.7323% | 5,076 |
| Net loans and leases to deposits | 76.7263% | 3,053 |
| Net loans and leases to core deposits | 155.9848% | 118 |
| Total domestic deposits to total assets | 70.0311% | 6,988 |
| Equity capital to assets | 25.7065% | 97 |
| Core capital (leverage) ratio | 25.6086% | 100 |
| Tier 1 risk-based capital ratio | 47.5251% | 147 |
| Total risk-based capital ratio | 48.7979% | 147 |
| Memoranda: | ||
| Average total assets | $1,480,921,600 | 452 |
| Average earning assets | $1,408,241,600 | 425 |
| Average equity | $405,176,800 | 215 |
| Average total loans | $731,869,000 | 564 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9243% | 40 |
| Cost of funding earning assets | 0.6103% | 6,245 |
| Net interest margin | 8.3140% | 33 |
| Noninterest income to average assets | 1.8937% | 415 |
| Noninterest expense to average assets | 4.9363% | 395 |
| Loan and lease loss provision to assets | 2.2842% | 213 |
| Net operating income to assets | 1.5069% | 918 |
| Return on assets (ROA) | 1.5069% | 1,004 |
| Pretax return on assets | 2.5806% | 212 |
| Return on Equity (ROE) | 5.4200% | 4,325 |
| Retained earnings to average equity (ytd only) | -68.4977% | 7,338 |
| Net charge-offs to loans | 5.8511% | 62 |
| Credit loss provision to net charge-offs | 81.6454% | 4,088 |
| Earnings coverage of net charge-offs (x) | 1.7389% | 4,349 |
| Efficiency ratio | 50.3644% | 6,807 |
| Assets per employee ($millions) | 18.6349% | 69 |
| Cash dividends to net income (ytd only)* | 1,363.8019% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8700% | 99 |
| Loan loss allowance to noncurrent loans | 27.5528% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 9.5258% | 392 |
| Noncurrent loans to loans | 21.3045% | 47 |
| Net loans and leases to total assets | 40.2007% | 6,614 |
| Net loans and leases to deposits | 68.2022% | 4,566 |
| Net loans and leases to core deposits | 83.2110% | 3,161 |
| Total domestic deposits to total assets | 58.9434% | 7,313 |
| Equity capital to assets | 35.6978% | 56 |
| Core capital (leverage) ratio | 35.5760% | 58 |
| Tier 1 risk-based capital ratio | 95.7755% | 61 |
| Total risk-based capital ratio | 97.0936% | 61 |
| Memoranda: | ||
| Average total assets | $1,459,715,250 | 457 |
| Average earning assets | $1,388,325,750 | 430 |
| Average equity | $405,846,500 | 215 |
| Average total loans | $697,969,250 | 597 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5832% | 24 |
| Cost of funding earning assets | 0.6121% | 6,398 |
| Net interest margin | 10.9711% | 23 |
| Noninterest income to average assets | 1.4115% | 641 |
| Noninterest expense to average assets | 5.5984% | 253 |
| Loan and lease loss provision to assets | 2.3206% | 232 |
| Net operating income to assets | 2.3215% | 214 |
| Return on assets (ROA) | 2.3215% | 228 |
| Pretax return on assets | 3.9656% | 96 |
| Return on Equity (ROE) | 8.9650% | 2,532 |
| Retained earnings to average equity (ytd only) | -101.9089% | 7,441 |
| Net charge-offs to loans | 6.0877% | 81 |
| Credit loss provision to net charge-offs | 77.7146% | 3,837 |
| Earnings coverage of net charge-offs (x) | 2.1052% | 3,794 |
| Efficiency ratio | 47.1064% | 7,107 |
| Assets per employee ($millions) | 19.3408% | 66 |
| Cash dividends to net income (ytd only)* | 1,236.7394% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6845% | 128 |
| Loan loss allowance to noncurrent loans | 29.2551% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 8.7426% | 488 |
| Noncurrent loans to loans | 19.4309% | 68 |
| Net loans and leases to total assets | 41.3257% | 6,641 |
| Net loans and leases to deposits | 69.6222% | 4,484 |
| Net loans and leases to core deposits | 85.9594% | 2,912 |
| Total domestic deposits to total assets | 59.3571% | 7,381 |
| Equity capital to assets | 35.0101% | 61 |
| Core capital (leverage) ratio | 34.9573% | 61 |
| Tier 1 risk-based capital ratio | 93.1460% | 58 |
| Total risk-based capital ratio | 94.4625% | 58 |
| Memoranda: | ||
| Average total assets | $1,567,377,330 | 432 |
| Average earning assets | $1,496,215,330 | 403 |
| Average equity | $405,866,330 | 214 |
| Average total loans | $768,802,330 | 548 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.7534% | 8 |
| Cost of funding earning assets | 0.6253% | 6,501 |
| Net interest margin | 18.1282% | 6 |
| Noninterest income to average assets | -3.8696% | 7,570 |
| Noninterest expense to average assets | 6.6547% | 163 |
| Loan and lease loss provision to assets | 2.2380% | 239 |
| Net operating income to assets | 2.7212% | 140 |
| Return on assets (ROA) | 2.7212% | 146 |
| Pretax return on assets | 4.6516% | 79 |
| Return on Equity (ROE) | 11.8788% | 1,493 |
| Retained earnings to average equity (ytd only) | -209.9805% | 7,538 |
| Net charge-offs to loans | 4.8491% | 155 |
| Credit loss provision to net charge-offs | 90.9158% | 2,924 |
| Earnings coverage of net charge-offs (x) | 2.7988% | 2,964 |
| Efficiency ratio | 49.1328% | 7,055 |
| Assets per employee ($millions) | 33.6146% | 47 |
| Cash dividends to net income (ytd only)* | 1,867.6849% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1901% | 90 |
| Loan loss allowance to noncurrent loans | 33.3280% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 5.7402% | 1,034 |
| Noncurrent loans to loans | 18.5733% | 80 |
| Net loans and leases to total assets | 28.7228% | 7,273 |
| Net loans and leases to deposits | 41.3791% | 7,046 |
| Net loans and leases to core deposits | 62.6047% | 5,864 |
| Total domestic deposits to total assets | 69.4138% | 7,208 |
| Equity capital to assets | 22.8359% | 149 |
| Core capital (leverage) ratio | 22.8370% | 143 |
| Tier 1 risk-based capital ratio | 91.1940% | 58 |
| Total risk-based capital ratio | 92.5219% | 58 |
| Memoranda: | ||
| Average total assets | $1,770,841,500 | 387 |
| Average earning assets | $1,701,064,500 | 362 |
| Average equity | $405,662,500 | 212 |
| Average total loans | $898,969,500 | 485 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0744% | 136 |
| Cost of funding earning assets | 0.7032% | 6,882 |
| Net interest margin | 6.3713% | 72 |
| Noninterest income to average assets | 5.6559% | 119 |
| Noninterest expense to average assets | 4.7271% | 534 |
| Loan and lease loss provision to assets | 2.1835% | 570 |
| Net operating income to assets | 2.8199% | 83 |
| Return on assets (ROA) | 2.7474% | 89 |
| Pretax return on assets | 4.6743% | 54 |
| Return on Equity (ROE) | 11.5636% | 1,430 |
| Retained earnings to average equity (ytd only) | 11.5636% | 319 |
| Net charge-offs to loans | 4.7752% | 204 |
| Credit loss provision to net charge-offs | 85.2410% | 5,332 |
| Earnings coverage of net charge-offs (x) | 2.7214% | 3,719 |
| Efficiency ratio | 40.4085% | 7,503 |
| Assets per employee ($millions) | 37.3692% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7019% | 1,161 |
| Loan loss allowance to noncurrent loans | 32.3731% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 5.8949% | 1,022 |
| Noncurrent loans to loans | 8.3461% | 601 |
| Net loans and leases to total assets | 68.4961% | 2,866 |
| Net loans and leases to deposits | 97.8409% | 731 |
| Net loans and leases to core deposits | 211.5747% | 75 |
| Total domestic deposits to total assets | 70.0076% | 7,234 |
| Equity capital to assets | 22.9780% | 161 |
| Core capital (leverage) ratio | 22.9770% | 151 |
| Tier 1 risk-based capital ratio | 35.1264% | 347 |
| Total risk-based capital ratio | 36.3800% | 340 |
| Memoranda: | ||
| Average total assets | $1,635,413,200 | 419 |
| Average earning assets | $1,550,997,000 | 399 |
| Average equity | $388,557,000 | 214 |
| Average total loans | $877,311,600 | 513 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3069% | 105 |
| Cost of funding earning assets | 0.7171% | 7,020 |
| Net interest margin | 6.5898% | 63 |
| Noninterest income to average assets | 6.3919% | 108 |
| Noninterest expense to average assets | 5.1570% | 332 |
| Loan and lease loss provision to assets | 2.3483% | 467 |
| Net operating income to assets | 3.0126% | 80 |
| Return on assets (ROA) | 2.9942% | 86 |
| Pretax return on assets | 5.0881% | 50 |
| Return on Equity (ROE) | 12.4872% | 1,388 |
| Retained earnings to average equity (ytd only) | 12.4872% | 403 |
| Net charge-offs to loans | 5.5444% | 137 |
| Credit loss provision to net charge-offs | 86.5497% | 4,899 |
| Earnings coverage of net charge-offs (x) | 2.7513% | 3,769 |
| Efficiency ratio | 40.8568% | 7,560 |
| Assets per employee ($millions) | 25.7606% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1097% | 105 |
| Loan loss allowance to noncurrent loans | 32.3476% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 9.5256% | 443 |
| Noncurrent loans to loans | 18.8875% | 92 |
| Net loans and leases to total assets | 44.6593% | 6,800 |
| Net loans and leases to deposits | 75.9536% | 4,186 |
| Net loans and leases to core deposits | 100.9724% | 1,751 |
| Total domestic deposits to total assets | 58.7981% | 7,610 |
| Equity capital to assets | 30.6420% | 82 |
| Core capital (leverage) ratio | 30.6906% | 83 |
| Tier 1 risk-based capital ratio | 79.6527% | 65 |
| Total risk-based capital ratio | 80.9804% | 65 |
| Memoranda: | ||
| Average total assets | $1,595,836,000 | 424 |
| Average earning assets | $1,508,737,000 | 406 |
| Average equity | $382,655,750 | 215 |
| Average total loans | $780,952,750 | 554 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3268% | 42 |
| Cost of funding earning assets | 0.7161% | 7,161 |
| Net interest margin | 8.6106% | 35 |
| Noninterest income to average assets | 7.6894% | 90 |
| Noninterest expense to average assets | 6.0704% | 218 |
| Loan and lease loss provision to assets | 2.3292% | 500 |
| Net operating income to assets | 4.3747% | 42 |
| Return on assets (ROA) | 4.3594% | 43 |
| Pretax return on assets | 7.4098% | 33 |
| Return on Equity (ROE) | 19.4811% | 358 |
| Retained earnings to average equity (ytd only) | 19.4811% | 95 |
| Net charge-offs to loans | 4.8766% | 216 |
| Credit loss provision to net charge-offs | 96.9479% | 4,214 |
| Earnings coverage of net charge-offs (x) | 4.0636% | 3,074 |
| Efficiency ratio | 38.3393% | 7,673 |
| Assets per employee ($millions) | 26.1762% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3591% | 87 |
| Loan loss allowance to noncurrent loans | 30.4729% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 10.2243% | 389 |
| Noncurrent loans to loans | 20.8680% | 72 |
| Net loans and leases to total assets | 45.5462% | 6,802 |
| Net loans and leases to deposits | 75.7087% | 4,381 |
| Net loans and leases to core deposits | 102.3410% | 1,794 |
| Total domestic deposits to total assets | 60.1598% | 7,658 |
| Equity capital to assets | 29.6547% | 89 |
| Core capital (leverage) ratio | 29.7069% | 83 |
| Tier 1 risk-based capital ratio | 76.0702% | 71 |
| Total risk-based capital ratio | 77.4025% | 70 |
| Memoranda: | ||
| Average total assets | $1,715,611,330 | 396 |
| Average earning assets | $1,622,619,000 | 379 |
| Average equity | $383,910,670 | 215 |
| Average total loans | $845,220,000 | 523 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.0271% | 18 |
| Cost of funding earning assets | 0.7600% | 7,206 |
| Net interest margin | 14.2670% | 14 |
| Noninterest income to average assets | 10.7079% | 65 |
| Noninterest expense to average assets | 7.4274% | 137 |
| Loan and lease loss provision to assets | 1.8115% | 624 |
| Net operating income to assets | 8.9699% | 21 |
| Return on assets (ROA) | 8.9699% | 21 |
| Pretax return on assets | 14.9547% | 20 |
| Return on Equity (ROE) | 44.9351% | 33 |
| Retained earnings to average equity (ytd only) | 44.9351% | 25 |
| Net charge-offs to loans | 4.6135% | 275 |
| Credit loss provision to net charge-offs | 79.3651% | 3,893 |
| Earnings coverage of net charge-offs (x) | 7.3456% | 2,103 |
| Efficiency ratio | 30.6997% | 7,844 |
| Assets per employee ($millions) | 29.1123% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7933% | 110 |
| Loan loss allowance to noncurrent loans | 26.7905% | 6,610 |
| Noncurrent assets plus other real estate owned to assets | 10.2717% | 376 |
| Noncurrent loans to loans | 21.6243% | 64 |
| Net loans and leases to total assets | 37.2648% | 7,375 |
| Net loans and leases to deposits | 57.7422% | 6,634 |
| Net loans and leases to core deposits | 76.4603% | 5,199 |
| Total domestic deposits to total assets | 64.5366% | 7,662 |
| Equity capital to assets | 24.8208% | 147 |
| Core capital (leverage) ratio | 24.8750% | 136 |
| Tier 1 risk-based capital ratio | 74.3669% | 71 |
| Total risk-based capital ratio | 75.6860% | 71 |
| Memoranda: | ||
| Average total assets | $1,932,099,500 | 371 |
| Average earning assets | $1,826,278,500 | 351 |
| Average equity | $385,685,500 | 217 |
| Average total loans | $955,898,000 | 488 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6481% | 54 |
| Cost of funding earning assets | 0.9025% | 7,402 |
| Net interest margin | 7.7456% | 39 |
| Noninterest income to average assets | 3.7949% | 177 |
| Noninterest expense to average assets | 7.1856% | 192 |
| Loan and lease loss provision to assets | 3.3830% | 468 |
| Net operating income to assets | 0.2754% | 4,625 |
| Return on assets (ROA) | 0.2078% | 4,940 |
| Pretax return on assets | 0.3127% | 4,728 |
| Return on Equity (ROE) | 1.3615% | 5,126 |
| Retained earnings to average equity (ytd only) | -97.2649% | 7,922 |
| Net charge-offs to loans | 7.5277% | 95 |
| Credit loss provision to net charge-offs | 70.2639% | 6,489 |
| Earnings coverage of net charge-offs (x) | 0.7889% | 5,319 |
| Efficiency ratio | 65.4201% | 5,509 |
| Assets per employee ($millions) | 38.6806% | 45 |
| Cash dividends to net income (ytd only)* | 7,244.1430% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2104% | 654 |
| Loan loss allowance to noncurrent loans | 26.6422% | 6,700 |
| Noncurrent assets plus other real estate owned to assets | 8.3294% | 520 |
| Noncurrent loans to loans | 12.0500% | 277 |
| Net loans and leases to total assets | 55.1113% | 6,068 |
| Net loans and leases to deposits | 71.1910% | 5,443 |
| Net loans and leases to core deposits | 74.8674% | 6,477 |
| Total domestic deposits to total assets | 77.4133% | 6,365 |
| Equity capital to assets | 16.3051% | 658 |
| Core capital (leverage) ratio | 16.3514% | 568 |
| Tier 1 risk-based capital ratio | 32.4123% | 432 |
| Total risk-based capital ratio | 33.6916% | 419 |
| Memoranda: | ||
| Average total assets | $1,561,229,800 | 440 |
| Average earning assets | $1,449,007,400 | 435 |
| Average equity | $238,273,000 | 297 |
| Average total loans | $998,551,400 | 475 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4497% | 34 |
| Cost of funding earning assets | 0.9764% | 7,437 |
| Net interest margin | 9.4733% | 30 |
| Noninterest income to average assets | 4.5299% | 147 |
| Noninterest expense to average assets | 8.1972% | 150 |
| Loan and lease loss provision to assets | 3.8304% | 321 |
| Net operating income to assets | 0.7630% | 2,968 |
| Return on assets (ROA) | 0.6655% | 3,396 |
| Pretax return on assets | 1.0620% | 2,702 |
| Return on Equity (ROE) | 4.4814% | 4,168 |
| Retained earnings to average equity (ytd only) | -146.1793% | 8,055 |
| Net charge-offs to loans | 8.4238% | 74 |
| Credit loss provision to net charge-offs | 68.1495% | 6,019 |
| Earnings coverage of net charge-offs (x) | 0.8975% | 5,161 |
| Efficiency ratio | 61.9034% | 6,134 |
| Assets per employee ($millions) | 25.2290% | 61 |
| Cash dividends to net income (ytd only)* | 3,361.9446% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0258% | 84 |
| Loan loss allowance to noncurrent loans | 26.2218% | 6,705 |
| Noncurrent assets plus other real estate owned to assets | 14.2655% | 138 |
| Noncurrent loans to loans | 22.9801% | 42 |
| Net loans and leases to total assets | 47.5576% | 6,996 |
| Net loans and leases to deposits | 66.2677% | 6,286 |
| Net loans and leases to core deposits | 70.4398% | 6,944 |
| Total domestic deposits to total assets | 71.7658% | 7,234 |
| Equity capital to assets | 19.3293% | 385 |
| Core capital (leverage) ratio | 19.4130% | 349 |
| Tier 1 risk-based capital ratio | 48.7300% | 178 |
| Total risk-based capital ratio | 50.0589% | 176 |
| Memoranda: | ||
| Average total assets | $1,400,338,250 | 499 |
| Average earning assets | $1,287,817,250 | 489 |
| Average equity | $207,967,750 | 356 |
| Average total loans | $934,340,500 | 525 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.1889% | 19 |
| Cost of funding earning assets | 1.0771% | 7,422 |
| Net interest margin | 13.1118% | 11 |
| Noninterest income to average assets | 5.0700% | 131 |
| Noninterest expense to average assets | 10.3271% | 109 |
| Loan and lease loss provision to assets | 4.1677% | 287 |
| Net operating income to assets | 1.6344% | 641 |
| Return on assets (ROA) | 1.6344% | 705 |
| Pretax return on assets | 2.6574% | 161 |
| Return on Equity (ROE) | 12.2848% | 1,338 |
| Retained earnings to average equity (ytd only) | -242.2711% | 8,156 |
| Net charge-offs to loans | 7.7358% | 109 |
| Credit loss provision to net charge-offs | 74.5277% | 5,330 |
| Earnings coverage of net charge-offs (x) | 1.2205% | 4,618 |
| Efficiency ratio | 60.2087% | 6,514 |
| Assets per employee ($millions) | 17.2678% | 90 |
| Cash dividends to net income (ytd only)* | 2,072.1277% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7865% | 58 |
| Loan loss allowance to noncurrent loans | 29.4311% | 6,531 |
| Noncurrent assets plus other real estate owned to assets | 22.7221% | 30 |
| Noncurrent loans to loans | 23.0588% | 34 |
| Net loans and leases to total assets | 73.6393% | 2,804 |
| Net loans and leases to deposits | 100.6548% | 1,220 |
| Net loans and leases to core deposits | 107.6020% | 3,652 |
| Total domestic deposits to total assets | 73.1603% | 7,087 |
| Equity capital to assets | 13.3674% | 1,538 |
| Core capital (leverage) ratio | 13.5641% | 1,252 |
| Tier 1 risk-based capital ratio | 20.5785% | 1,468 |
| Total risk-based capital ratio | 21.9132% | 1,410 |
| Memoranda: | ||
| Average total assets | $1,387,766,670 | 515 |
| Average earning assets | $1,278,791,000 | 503 |
| Average equity | $184,635,330 | 388 |
| Average total loans | $1,003,202,000 | 506 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.7984% | 3 |
| Cost of funding earning assets | 1.1373% | 7,449 |
| Net interest margin | 20.6611% | 4 |
| Noninterest income to average assets | 7.8474% | 84 |
| Noninterest expense to average assets | 14.6087% | 70 |
| Loan and lease loss provision to assets | 3.0759% | 352 |
| Net operating income to assets | 5.7094% | 24 |
| Return on assets (ROA) | 5.7094% | 28 |
| Pretax return on assets | 9.4371% | 22 |
| Return on Equity (ROE) | 42.9763% | 37 |
| Retained earnings to average equity (ytd only) | -345.3410% | 8,223 |
| Net charge-offs to loans | 5.0569% | 211 |
| Credit loss provision to net charge-offs | 86.6326% | 4,074 |
| Earnings coverage of net charge-offs (x) | 3.5243% | 3,153 |
| Efficiency ratio | 53.8636% | 7,232 |
| Assets per employee ($millions) | 22.8373% | 74 |
| Cash dividends to net income (ytd only)* | 903.5614% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3624% | 40 |
| Loan loss allowance to noncurrent loans | 27.4003% | 6,732 |
| Noncurrent assets plus other real estate owned to assets | 21.2929% | 30 |
| Noncurrent loans to loans | 26.8697% | 18 |
| Net loans and leases to total assets | 59.7886% | 5,693 |
| Net loans and leases to deposits | 79.6353% | 4,669 |
| Net loans and leases to core deposits | 84.4564% | 6,028 |
| Total domestic deposits to total assets | 75.0780% | 6,697 |
| Equity capital to assets | 13.5102% | 1,527 |
| Core capital (leverage) ratio | 13.6708% | 1,271 |
| Tier 1 risk-based capital ratio | 27.3046% | 799 |
| Total risk-based capital ratio | 28.4426% | 784 |
| Memoranda: | ||
| Average total assets | $1,589,517,500 | 461 |
| Average earning assets | $1,482,823,000 | 447 |
| Average equity | $211,167,500 | 354 |
| Average total loans | $1,116,015,000 | 471 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3267% | 59 |
| Cost of funding earning assets | 1.9578% | 6,542 |
| Net interest margin | 7.3689% | 48 |
| Noninterest income to average assets | 3.3210% | 175 |
| Noninterest expense to average assets | 7.2098% | 273 |
| Loan and lease loss provision to assets | 5.6346% | 74 |
| Net operating income to assets | -1.5972% | 7,501 |
| Return on assets (ROA) | -1.5972% | 7,449 |
| Pretax return on assets | -2.6398% | 7,626 |
| Return on Equity (ROE) | -10.3085% | 7,298 |
| Retained earnings to average equity (ytd only) | -81.2516% | 8,244 |
| Net charge-offs to loans | 2.8304% | 324 |
| Credit loss provision to net charge-offs | 239.4004% | 1,965 |
| Earnings coverage of net charge-offs (x) | 1.2724% | 5,492 |
| Efficiency ratio | 70.6530% | 4,209 |
| Assets per employee ($millions) | 33.9312% | 51 |
| Cash dividends to net income (ytd only)* | -688.1997% | 8,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4543% | 140 |
| Loan loss allowance to noncurrent loans | 34.4281% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 12.2641% | 104 |
| Noncurrent loans to loans | 12.9379% | 103 |
| Net loans and leases to total assets | 70.7301% | 3,849 |
| Net loans and leases to deposits | 88.7559% | 3,678 |
| Net loans and leases to core deposits | 92.4576% | 5,598 |
| Total domestic deposits to total assets | 79.6906% | 5,137 |
| Equity capital to assets | 13.1335% | 1,738 |
| Core capital (leverage) ratio | 13.2666% | 1,453 |
| Tier 1 risk-based capital ratio | 20.7595% | 1,492 |
| Total risk-based capital ratio | 22.0577% | 1,460 |
| Memoranda: | ||
| Average total assets | $1,364,662,200 | 505 |
| Average earning assets | $1,274,776,000 | 495 |
| Average equity | $211,437,000 | 356 |
| Average total loans | $1,134,801,200 | 451 |