Home > Meridian Bank > Performance and Condition Ratios
Meridian Bank, Performance and Condition Ratios
| 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 | 6.3892% | 86 |
| Cost of funding earning assets | 0.7094% | 823 |
| Net interest margin | 5.6798% | 95 |
| Noninterest income to average assets | 0.7962% | 1,725 |
| Noninterest expense to average assets | 5.0278% | 287 |
| Loan and lease loss provision to assets | -0.6289% | 6,363 |
| Net operating income to assets | 1.8302% | 461 |
| Return on assets (ROA) | 1.4337% | 1,029 |
| Pretax return on assets | 1.4337% | 1,761 |
| Return on Equity (ROE) | 10.5396% | 1,783 |
| Retained earnings to average equity (ytd only) | 10.5396% | 804 |
| Net charge-offs to loans | -0.8345% | 6,305 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7153% | 1,799 |
| Assets per employee ($millions) | 4.1837% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 4,057 |
| Loan loss allowance to noncurrent loans | 318.1000% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 4,622 |
| Noncurrent loans to loans | 0.3726% | 4,473 |
| Net loans and leases to total assets | 71.2260% | 1,940 |
| Net loans and leases to deposits | 90.8784% | 1,308 |
| Net loans and leases to core deposits | 97.7898% | 1,491 |
| Total domestic deposits to total assets | 78.3751% | 5,375 |
| Equity capital to assets | 13.8123% | 1,051 |
| Core capital (leverage) ratio | 13.6506% | 917 |
| Tier 1 risk-based capital ratio | 16.1585% | 2,843 |
| Total risk-based capital ratio | 17.1806% | 2,894 |
| Memoranda: | ||
| Average total assets | $741,554,500 | 936 |
| Average earning assets | $709,324,500 | 908 |
| Average equity | $100,876,500 | 770 |
| Average total loans | $558,872,000 | 837 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7671% | 79 |
| Cost of funding earning assets | 0.7882% | 687 |
| Net interest margin | 5.9789% | 86 |
| Noninterest income to average assets | 0.7620% | 2,024 |
| Noninterest expense to average assets | 5.2180% | 273 |
| Loan and lease loss provision to assets | -0.2503% | 6,335 |
| Net operating income to assets | 1.4683% | 937 |
| Return on assets (ROA) | 1.4674% | 976 |
| Pretax return on assets | 1.4674% | 1,663 |
| Return on Equity (ROE) | 10.8233% | 1,779 |
| Retained earnings to average equity (ytd only) | 10.8233% | 394 |
| Net charge-offs to loans | -0.3024% | 6,336 |
| Credit loss provision to net charge-offs | 112.3457% | 2,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0751% | 1,761 |
| Assets per employee ($millions) | 4.1252% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 4,561 |
| Loan loss allowance to noncurrent loans | 1,317.1843% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 4,135 |
| Noncurrent loans to loans | 0.0831% | 5,551 |
| Net loans and leases to total assets | 77.8159% | 1,024 |
| Net loans and leases to deposits | 99.3214% | 662 |
| Net loans and leases to core deposits | 107.1359% | 946 |
| Total domestic deposits to total assets | 78.3476% | 5,368 |
| Equity capital to assets | 13.3926% | 1,198 |
| Core capital (leverage) ratio | 13.6013% | 937 |
| Tier 1 risk-based capital ratio | 14.2179% | 3,952 |
| Total risk-based capital ratio | 15.1412% | 4,115 |
| Memoranda: | ||
| Average total assets | $727,254,200 | 925 |
| Average earning assets | $690,159,600 | 893 |
| Average equity | $98,601,800 | 744 |
| Average total loans | $535,723,600 | 824 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7588% | 77 |
| Cost of funding earning assets | 0.8086% | 660 |
| Net interest margin | 5.9502% | 87 |
| Noninterest income to average assets | 0.7951% | 1,915 |
| Noninterest expense to average assets | 5.1962% | 269 |
| Loan and lease loss provision to assets | -0.2825% | 6,451 |
| Net operating income to assets | 1.5150% | 911 |
| Return on assets (ROA) | 1.5139% | 945 |
| Pretax return on assets | 1.5139% | 1,602 |
| Return on Equity (ROE) | 11.1315% | 1,741 |
| Retained earnings to average equity (ytd only) | 11.1315% | 495 |
| Net charge-offs to loans | -0.2914% | 6,383 |
| Credit loss provision to net charge-offs | 133.9442% | 1,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8279% | 1,786 |
| Assets per employee ($millions) | 4.0017% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 4,528 |
| Loan loss allowance to noncurrent loans | 2,925.5924% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 4,403 |
| Noncurrent loans to loans | 0.0392% | 5,862 |
| Net loans and leases to total assets | 73.9550% | 1,531 |
| Net loans and leases to deposits | 92.7323% | 1,160 |
| Net loans and leases to core deposits | 101.0885% | 1,283 |
| Total domestic deposits to total assets | 79.7510% | 5,160 |
| Equity capital to assets | 13.3013% | 1,277 |
| Core capital (leverage) ratio | 13.2138% | 1,096 |
| Tier 1 risk-based capital ratio | 14.6855% | 3,763 |
| Total risk-based capital ratio | 15.6335% | 3,899 |
| Memoranda: | ||
| Average total assets | $724,464,500 | 936 |
| Average earning assets | $685,919,750 | 903 |
| Average equity | $98,529,000 | 744 |
| Average total loans | $524,413,250 | 845 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7572% | 79 |
| Cost of funding earning assets | 0.8106% | 666 |
| Net interest margin | 5.9466% | 88 |
| Noninterest income to average assets | 0.8183% | 1,769 |
| Noninterest expense to average assets | 5.2250% | 271 |
| Loan and lease loss provision to assets | -0.4012% | 6,560 |
| Net operating income to assets | 1.6097% | 691 |
| Return on assets (ROA) | 1.6080% | 723 |
| Pretax return on assets | 1.6080% | 1,233 |
| Return on Equity (ROE) | 11.7383% | 1,504 |
| Retained earnings to average equity (ytd only) | 11.7383% | 451 |
| Net charge-offs to loans | -0.3607% | 6,467 |
| Credit loss provision to net charge-offs | 155.3895% | 1,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2155% | 1,851 |
| Assets per employee ($millions) | 4.0067% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 4,575 |
| Loan loss allowance to noncurrent loans | 2,369.8039% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 4,541 |
| Noncurrent loans to loans | 0.0493% | 5,904 |
| Net loans and leases to total assets | 69.3523% | 2,181 |
| Net loans and leases to deposits | 87.5482% | 1,650 |
| Net loans and leases to core deposits | 95.8055% | 1,618 |
| Total domestic deposits to total assets | 79.2161% | 5,409 |
| Equity capital to assets | 12.6788% | 1,550 |
| Core capital (leverage) ratio | 12.6310% | 1,322 |
| Tier 1 risk-based capital ratio | 14.6582% | 3,834 |
| Total risk-based capital ratio | 15.6092% | 3,957 |
| Memoranda: | ||
| Average total assets | $725,851,670 | 934 |
| Average earning assets | $685,401,670 | 901 |
| Average equity | $99,435,330 | 733 |
| Average total loans | $519,593,330 | 848 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6977% | 85 |
| Cost of funding earning assets | 0.8091% | 716 |
| Net interest margin | 5.8886% | 88 |
| Noninterest income to average assets | 0.8320% | 1,635 |
| Noninterest expense to average assets | 5.2405% | 276 |
| Loan and lease loss provision to assets | -0.0778% | 6,479 |
| Net operating income to assets | 1.2397% | 1,373 |
| Return on assets (ROA) | 1.2425% | 1,422 |
| Pretax return on assets | 1.2425% | 2,305 |
| Return on Equity (ROE) | 8.7369% | 2,580 |
| Retained earnings to average equity (ytd only) | 8.7369% | 1,334 |
| Net charge-offs to loans | -0.2704% | 6,458 |
| Credit loss provision to net charge-offs | 39.7727% | 2,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8513% | 1,946 |
| Assets per employee ($millions) | 4.0609% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 3,991 |
| Loan loss allowance to noncurrent loans | 676.7233% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 4,465 |
| Noncurrent loans to loans | 0.1956% | 5,506 |
| Net loans and leases to total assets | 68.3377% | 2,167 |
| Net loans and leases to deposits | 87.6627% | 1,396 |
| Net loans and leases to core deposits | 97.1405% | 1,305 |
| Total domestic deposits to total assets | 77.9553% | 5,843 |
| Equity capital to assets | 14.0809% | 892 |
| Core capital (leverage) ratio | 14.6180% | 672 |
| Tier 1 risk-based capital ratio | 16.8326% | 2,766 |
| Total risk-based capital ratio | 17.9220% | 2,790 |
| Memoranda: | ||
| Average total assets | $720,158,000 | 944 |
| Average earning assets | $681,248,000 | 908 |
| Average equity | $102,416,500 | 711 |
| Average total loans | $520,722,500 | 840 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5781% | 92 |
| Cost of funding earning assets | 0.7794% | 1,325 |
| Net interest margin | 5.7986% | 97 |
| Noninterest income to average assets | 0.7044% | 2,518 |
| Noninterest expense to average assets | 5.3873% | 266 |
| Loan and lease loss provision to assets | -0.4746% | 6,736 |
| Net operating income to assets | 1.2383% | 1,426 |
| Return on assets (ROA) | 1.2408% | 1,478 |
| Pretax return on assets | 1.2408% | 2,412 |
| Return on Equity (ROE) | 7.2428% | 3,433 |
| Retained earnings to average equity (ytd only) | 7.2428% | 1,338 |
| Net charge-offs to loans | -0.1428% | 6,556 |
| Credit loss provision to net charge-offs | 489.9417% | 473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5835% | 1,257 |
| Assets per employee ($millions) | 3.7499% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 4,443 |
| Loan loss allowance to noncurrent loans | 1,518.9815% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.7839% | 3,929 |
| Noncurrent loans to loans | 0.0816% | 5,970 |
| Net loans and leases to total assets | 74.5881% | 1,268 |
| Net loans and leases to deposits | 97.1644% | 652 |
| Net loans and leases to core deposits | 107.8267% | 705 |
| Total domestic deposits to total assets | 76.7649% | 6,012 |
| Equity capital to assets | 14.3694% | 809 |
| Core capital (leverage) ratio | 14.3329% | 736 |
| Tier 1 risk-based capital ratio | 15.8376% | 3,185 |
| Total risk-based capital ratio | 16.8509% | 3,266 |
| Memoranda: | ||
| Average total assets | $708,227,400 | 936 |
| Average earning assets | $665,226,600 | 906 |
| Average equity | $121,334,400 | 584 |
| Average total loans | $480,500,600 | 887 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4135% | 101 |
| Cost of funding earning assets | 0.7733% | 1,466 |
| Net interest margin | 5.6402% | 113 |
| Noninterest income to average assets | 0.6432% | 2,913 |
| Noninterest expense to average assets | 5.3790% | 267 |
| Loan and lease loss provision to assets | -0.4808% | 6,829 |
| Net operating income to assets | 1.0306% | 2,257 |
| Return on assets (ROA) | 1.0178% | 2,394 |
| Pretax return on assets | 1.0178% | 3,433 |
| Return on Equity (ROE) | 5.7137% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.7137% | 2,584 |
| Net charge-offs to loans | 0.0470% | 4,238 |
| Credit loss provision to net charge-offs | -1,551.5152% | 6,247 |
| Earnings coverage of net charge-offs (x) | 17.7458% | 1,717 |
| Efficiency ratio | 90.7257% | 934 |
| Assets per employee ($millions) | 4.0245% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 4,729 |
| Loan loss allowance to noncurrent loans | 265.7959% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 1.2116% | 3,221 |
| Noncurrent loans to loans | 0.4638% | 5,032 |
| Net loans and leases to total assets | 71.6206% | 1,658 |
| Net loans and leases to deposits | 102.3507% | 360 |
| Net loans and leases to core deposits | 114.7639% | 431 |
| Total domestic deposits to total assets | 69.9757% | 6,599 |
| Equity capital to assets | 16.1845% | 520 |
| Core capital (leverage) ratio | 16.8761% | 396 |
| Tier 1 risk-based capital ratio | 18.5249% | 2,131 |
| Total risk-based capital ratio | 19.5374% | 2,182 |
| Memoranda: | ||
| Average total assets | $709,976,500 | 939 |
| Average earning assets | $665,346,250 | 912 |
| Average equity | $126,477,250 | 571 |
| Average total loans | $468,226,500 | 910 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2809% | 123 |
| Cost of funding earning assets | 0.7871% | 1,485 |
| Net interest margin | 5.4938% | 135 |
| Noninterest income to average assets | 0.6422% | 2,953 |
| Noninterest expense to average assets | 5.4068% | 274 |
| Loan and lease loss provision to assets | -0.1836% | 6,774 |
| Net operating income to assets | 0.5697% | 4,456 |
| Return on assets (ROA) | 0.5621% | 4,660 |
| Pretax return on assets | 0.5621% | 5,157 |
| Return on Equity (ROE) | 3.0586% | 5,600 |
| Retained earnings to average equity (ytd only) | 3.0586% | 4,373 |
| Net charge-offs to loans | 1.0945% | 547 |
| Credit loss provision to net charge-offs | -26.3351% | 5,488 |
| Earnings coverage of net charge-offs (x) | 0.5540% | 4,353 |
| Efficiency ratio | 93.3337% | 797 |
| Assets per employee ($millions) | 3.7822% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 4,835 |
| Loan loss allowance to noncurrent loans | 98.0511% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.7949% | 2,421 |
| Noncurrent loans to loans | 1.2545% | 3,452 |
| Net loans and leases to total assets | 69.3168% | 2,014 |
| Net loans and leases to deposits | 98.1852% | 530 |
| Net loans and leases to core deposits | 111.2960% | 510 |
| Total domestic deposits to total assets | 70.5980% | 6,634 |
| Equity capital to assets | 16.2250% | 498 |
| Core capital (leverage) ratio | 16.6996% | 400 |
| Tier 1 risk-based capital ratio | 18.6336% | 2,102 |
| Total risk-based capital ratio | 19.6220% | 2,148 |
| Memoranda: | ||
| Average total assets | $703,823,330 | 947 |
| Average earning assets | $659,870,670 | 922 |
| Average equity | $129,338,330 | 558 |
| Average total loans | $448,228,000 | 954 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1323% | 136 |
| Cost of funding earning assets | 0.8170% | 1,433 |
| Net interest margin | 5.3153% | 168 |
| Noninterest income to average assets | 0.5907% | 3,188 |
| Noninterest expense to average assets | 5.4173% | 277 |
| Loan and lease loss provision to assets | -0.0177% | 6,747 |
| Net operating income to assets | 0.1417% | 6,065 |
| Return on assets (ROA) | 0.1262% | 6,190 |
| Pretax return on assets | 0.1262% | 6,212 |
| Return on Equity (ROE) | 0.6485% | 6,297 |
| Retained earnings to average equity (ytd only) | 0.6485% | 5,570 |
| Net charge-offs to loans | 2.5268% | 162 |
| Credit loss provision to net charge-offs | -1.1606% | 4,940 |
| Earnings coverage of net charge-offs (x) | 0.0812% | 3,792 |
| Efficiency ratio | 97.7629% | 645 |
| Assets per employee ($millions) | 3.6746% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 3,693 |
| Loan loss allowance to noncurrent loans | 86.3847% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 2.1536% | 2,181 |
| Noncurrent loans to loans | 1.7737% | 2,906 |
| Net loans and leases to total assets | 60.7925% | 3,291 |
| Net loans and leases to deposits | 82.1296% | 1,809 |
| Net loans and leases to core deposits | 93.0940% | 1,408 |
| Total domestic deposits to total assets | 74.0202% | 6,534 |
| Equity capital to assets | 19.7085% | 226 |
| Core capital (leverage) ratio | 19.3630% | 219 |
| Tier 1 risk-based capital ratio | 23.6706% | 1,066 |
| Total risk-based capital ratio | 24.8261% | 1,059 |
| Memoranda: | ||
| Average total assets | $700,206,500 | 957 |
| Average earning assets | $652,155,000 | 931 |
| Average equity | $136,323,000 | 546 |
| Average total loans | $422,832,000 | 1,011 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1423% | 218 |
| Cost of funding earning assets | 0.9424% | 1,689 |
| Net interest margin | 5.1999% | 270 |
| Noninterest income to average assets | 0.8145% | 2,197 |
| Noninterest expense to average assets | 4.5727% | 536 |
| Loan and lease loss provision to assets | -0.6842% | 7,056 |
| Net operating income to assets | 1.5747% | 793 |
| Return on assets (ROA) | 1.5411% | 929 |
| Pretax return on assets | 1.5411% | 1,555 |
| Return on Equity (ROE) | 7.9683% | 3,099 |
| Retained earnings to average equity (ytd only) | -28.6730% | 6,927 |
| Net charge-offs to loans | 1.4988% | 595 |
| Credit loss provision to net charge-offs | -90.3462% | 6,323 |
| Earnings coverage of net charge-offs (x) | 1.1759% | 4,872 |
| Efficiency ratio | 83.6994% | 1,663 |
| Assets per employee ($millions) | 3.7544% | 4,457 |
| Cash dividends to net income (ytd only)* | 459.8406% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2037% | 1,544 |
| Loan loss allowance to noncurrent loans | 212.3448% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 1.6390% | 2,947 |
| Noncurrent loans to loans | 1.0378% | 4,138 |
| Net loans and leases to total assets | 57.7691% | 4,020 |
| Net loans and leases to deposits | 77.7813% | 2,567 |
| Net loans and leases to core deposits | 89.0335% | 1,963 |
| Total domestic deposits to total assets | 74.2711% | 6,502 |
| Equity capital to assets | 19.2358% | 249 |
| Core capital (leverage) ratio | 18.2477% | 267 |
| Tier 1 risk-based capital ratio | 23.4372% | 1,045 |
| Total risk-based capital ratio | 24.6917% | 1,023 |
| Memoranda: | ||
| Average total assets | $846,675,200 | 773 |
| Average earning assets | $756,931,800 | 788 |
| Average equity | $163,749,600 | 457 |
| Average total loans | $427,799,200 | 976 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9790% | 291 |
| Cost of funding earning assets | 0.9649% | 1,760 |
| Net interest margin | 5.0141% | 392 |
| Noninterest income to average assets | 1.0096% | 1,478 |
| Noninterest expense to average assets | 4.4711% | 557 |
| Loan and lease loss provision to assets | -0.2414% | 7,103 |
| Net operating income to assets | 1.2297% | 1,634 |
| Return on assets (ROA) | 1.1789% | 1,996 |
| Pretax return on assets | 1.1789% | 3,067 |
| Return on Equity (ROE) | 6.0887% | 4,292 |
| Retained earnings to average equity (ytd only) | -25.1794% | 7,030 |
| Net charge-offs to loans | 1.6885% | 486 |
| Credit loss provision to net charge-offs | -29.2929% | 6,142 |
| Earnings coverage of net charge-offs (x) | 1.1993% | 4,700 |
| Efficiency ratio | 81.8973% | 1,823 |
| Assets per employee ($millions) | 4.0323% | 3,805 |
| Cash dividends to net income (ytd only)* | 513.5449% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3460% | 531 |
| Loan loss allowance to noncurrent loans | 221.0591% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 1.9075% | 2,775 |
| Noncurrent loans to loans | 1.5136% | 3,515 |
| Net loans and leases to total assets | 54.8791% | 4,609 |
| Net loans and leases to deposits | 74.2085% | 3,252 |
| Net loans and leases to core deposits | 88.2354% | 2,190 |
| Total domestic deposits to total assets | 73.9526% | 6,609 |
| Equity capital to assets | 19.9759% | 239 |
| Core capital (leverage) ratio | 17.9454% | 302 |
| Tier 1 risk-based capital ratio | 26.0234% | 825 |
| Total risk-based capital ratio | 27.2892% | 804 |
| Memoranda: | ||
| Average total assets | $880,948,000 | 751 |
| Average earning assets | $781,806,750 | 768 |
| Average equity | $170,563,500 | 438 |
| Average total loans | $429,959,750 | 980 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9359% | 326 |
| Cost of funding earning assets | 1.0013% | 1,749 |
| Net interest margin | 4.9345% | 440 |
| Noninterest income to average assets | 1.3168% | 820 |
| Noninterest expense to average assets | 4.2451% | 696 |
| Loan and lease loss provision to assets | -0.0206% | 7,044 |
| Net operating income to assets | 1.4125% | 1,164 |
| Return on assets (ROA) | 1.3496% | 1,464 |
| Pretax return on assets | 1.3496% | 2,389 |
| Return on Equity (ROE) | 7.0317% | 3,759 |
| Retained earnings to average equity (ytd only) | -38.1812% | 7,134 |
| Net charge-offs to loans | 2.7561% | 229 |
| Credit loss provision to net charge-offs | -1.6039% | 5,904 |
| Earnings coverage of net charge-offs (x) | 1.0832% | 4,476 |
| Efficiency ratio | 75.3079% | 2,848 |
| Assets per employee ($millions) | 4.9340% | 2,260 |
| Cash dividends to net income (ytd only)* | 642.9834% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7916% | 395 |
| Loan loss allowance to noncurrent loans | 163.9979% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 1.8349% | 2,990 |
| Noncurrent loans to loans | 2.3120% | 2,591 |
| Net loans and leases to total assets | 43.1091% | 6,103 |
| Net loans and leases to deposits | 54.8501% | 5,784 |
| Net loans and leases to core deposits | 64.4075% | 5,162 |
| Total domestic deposits to total assets | 78.5943% | 6,039 |
| Equity capital to assets | 16.4220% | 523 |
| Core capital (leverage) ratio | 16.4535% | 418 |
| Tier 1 risk-based capital ratio | 26.7416% | 750 |
| Total risk-based capital ratio | 28.0108% | 733 |
| Memoranda: | ||
| Average total assets | $921,906,670 | 720 |
| Average earning assets | $807,125,670 | 747 |
| Average equity | $176,940,670 | 421 |
| Average total loans | $429,804,670 | 975 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0930% | 270 |
| Cost of funding earning assets | 1.0837% | 1,484 |
| Net interest margin | 5.0093% | 391 |
| Noninterest income to average assets | 2.4045% | 317 |
| Noninterest expense to average assets | 4.4555% | 571 |
| Loan and lease loss provision to assets | -0.0431% | 7,140 |
| Net operating income to assets | 2.2099% | 287 |
| Return on assets (ROA) | 2.2099% | 340 |
| Pretax return on assets | 2.2099% | 524 |
| Return on Equity (ROE) | 10.7552% | 2,122 |
| Retained earnings to average equity (ytd only) | 10.7552% | 1,100 |
| Net charge-offs to loans | 4.6670% | 111 |
| Credit loss provision to net charge-offs | -1.9421% | 5,330 |
| Earnings coverage of net charge-offs (x) | 0.9773% | 3,841 |
| Efficiency ratio | 67.2801% | 4,303 |
| Assets per employee ($millions) | 4.9775% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8432% | 419 |
| Loan loss allowance to noncurrent loans | 111.6143% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 2.9710% | 1,949 |
| Noncurrent loans to loans | 3.4433% | 1,813 |
| Net loans and leases to total assets | 45.7284% | 5,812 |
| Net loans and leases to deposits | 62.5238% | 4,841 |
| Net loans and leases to core deposits | 78.3015% | 3,285 |
| Total domestic deposits to total assets | 73.1376% | 6,818 |
| Equity capital to assets | 21.7783% | 150 |
| Core capital (leverage) ratio | 20.7141% | 172 |
| Tier 1 risk-based capital ratio | 32.5992% | 406 |
| Total risk-based capital ratio | 33.8680% | 398 |
| Memoranda: | ||
| Average total assets | $928,929,000 | 714 |
| Average earning assets | $782,141,000 | 769 |
| Average equity | $190,866,500 | 378 |
| Average total loans | $441,309,500 | 941 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0147% | 423 |
| Cost of funding earning assets | 1.2310% | 1,833 |
| Net interest margin | 4.7837% | 650 |
| Noninterest income to average assets | 0.2773% | 5,548 |
| Noninterest expense to average assets | 4.0378% | 983 |
| Loan and lease loss provision to assets | -0.1322% | 7,290 |
| Net operating income to assets | 0.6979% | 3,502 |
| Return on assets (ROA) | 1.6254% | 690 |
| Pretax return on assets | 1.6254% | 1,148 |
| Return on Equity (ROE) | 10.1011% | 2,028 |
| Retained earnings to average equity (ytd only) | 10.1011% | 540 |
| Net charge-offs to loans | 1.5545% | 1,020 |
| Credit loss provision to net charge-offs | -13.9473% | 6,624 |
| Earnings coverage of net charge-offs (x) | 0.5966% | 5,377 |
| Efficiency ratio | 87.7123% | 1,377 |
| Assets per employee ($millions) | 5.0356% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6484% | 229 |
| Loan loss allowance to noncurrent loans | 94.3542% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 3.1994% | 1,866 |
| Noncurrent loans to loans | 4.9266% | 1,155 |
| Net loans and leases to total assets | 45.2567% | 6,083 |
| Net loans and leases to deposits | 61.9732% | 5,250 |
| Net loans and leases to core deposits | 80.8281% | 3,338 |
| Total domestic deposits to total assets | 73.0262% | 6,805 |
| Equity capital to assets | 19.4244% | 260 |
| Core capital (leverage) ratio | 18.5121% | 271 |
| Tier 1 risk-based capital ratio | 23.3753% | 1,053 |
| Total risk-based capital ratio | 24.6432% | 1,030 |
| Memoranda: | ||
| Average total assets | $1,117,626,200 | 588 |
| Average earning assets | $1,010,744,000 | 581 |
| Average equity | $179,842,600 | 392 |
| Average total loans | $681,676,400 | 605 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0667% | 91 |
| Cost of funding earning assets | 1.3348% | 1,528 |
| Net interest margin | 5.7319% | 127 |
| Noninterest income to average assets | 0.8776% | 1,727 |
| Noninterest expense to average assets | 4.6976% | 481 |
| Loan and lease loss provision to assets | 0.1146% | 4,993 |
| Net operating income to assets | 1.4320% | 1,095 |
| Return on assets (ROA) | 1.5012% | 1,012 |
| Pretax return on assets | 1.5005% | 1,652 |
| Return on Equity (ROE) | 9.7545% | 2,293 |
| Retained earnings to average equity (ytd only) | 9.7545% | 918 |
| Net charge-offs to loans | 2.1461% | 572 |
| Credit loss provision to net charge-offs | 8.3650% | 5,673 |
| Earnings coverage of net charge-offs (x) | 1.1283% | 4,779 |
| Efficiency ratio | 73.9832% | 3,185 |
| Assets per employee ($millions) | 4.0284% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4726% | 577 |
| Loan loss allowance to noncurrent loans | 120.9645% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 2.8460% | 2,277 |
| Noncurrent loans to loans | 2.8707% | 2,430 |
| Net loans and leases to total assets | 63.8875% | 3,335 |
| Net loans and leases to deposits | 85.0309% | 1,831 |
| Net loans and leases to core deposits | 113.6139% | 562 |
| Total domestic deposits to total assets | 75.1345% | 6,627 |
| Equity capital to assets | 17.8087% | 415 |
| Core capital (leverage) ratio | 16.1642% | 482 |
| Tier 1 risk-based capital ratio | 19.8971% | 1,712 |
| Total risk-based capital ratio | 21.1663% | 1,678 |
| Memoranda: | ||
| Average total assets | $1,154,066,250 | 569 |
| Average earning assets | $1,080,390,500 | 552 |
| Average equity | $177,608,500 | 403 |
| Average total loans | $736,776,500 | 564 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9846% | 107 |
| Cost of funding earning assets | 1.3893% | 1,463 |
| Net interest margin | 5.5953% | 156 |
| Noninterest income to average assets | 0.7374% | 2,334 |
| Noninterest expense to average assets | 4.6292% | 522 |
| Loan and lease loss provision to assets | 0.0474% | 5,716 |
| Net operating income to assets | 1.3041% | 1,305 |
| Return on assets (ROA) | 1.3356% | 1,302 |
| Pretax return on assets | 1.3339% | 2,022 |
| Return on Equity (ROE) | 9.0956% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.0956% | 1,070 |
| Net charge-offs to loans | 1.6887% | 859 |
| Credit loss provision to net charge-offs | 4.4402% | 5,295 |
| Earnings coverage of net charge-offs (x) | 1.2656% | 4,339 |
| Efficiency ratio | 75.7892% | 3,054 |
| Assets per employee ($millions) | 4.2108% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0464% | 403 |
| Loan loss allowance to noncurrent loans | 96.6061% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 3.6780% | 1,770 |
| Noncurrent loans to loans | 4.1885% | 1,628 |
| Net loans and leases to total assets | 60.6992% | 4,146 |
| Net loans and leases to deposits | 78.6176% | 3,019 |
| Net loans and leases to core deposits | 111.6789% | 661 |
| Total domestic deposits to total assets | 77.2081% | 6,424 |
| Equity capital to assets | 16.0681% | 604 |
| Core capital (leverage) ratio | 14.3746% | 791 |
| Tier 1 risk-based capital ratio | 18.7910% | 1,911 |
| Total risk-based capital ratio | 20.0659% | 1,868 |
| Memoranda: | ||
| Average total assets | $1,190,969,670 | 561 |
| Average earning assets | $1,115,679,330 | 535 |
| Average equity | $174,875,330 | 415 |
| Average total loans | $752,184,000 | 563 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5749% | 188 |
| Cost of funding earning assets | 1.4304% | 1,467 |
| Net interest margin | 5.1445% | 282 |
| Noninterest income to average assets | 0.9841% | 1,380 |
| Noninterest expense to average assets | 4.5740% | 552 |
| Loan and lease loss provision to assets | 0.1905% | 3,723 |
| Net operating income to assets | 1.0445% | 2,022 |
| Return on assets (ROA) | 0.9458% | 2,437 |
| Pretax return on assets | 0.9386% | 3,368 |
| Return on Equity (ROE) | 6.7330% | 3,517 |
| Retained earnings to average equity (ytd only) | 6.7330% | 2,270 |
| Net charge-offs to loans | 2.1152% | 587 |
| Credit loss provision to net charge-offs | 14.2682% | 4,343 |
| Earnings coverage of net charge-offs (x) | 0.9197% | 3,962 |
| Efficiency ratio | 77.1990% | 2,954 |
| Assets per employee ($millions) | 4.2490% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1447% | 384 |
| Loan loss allowance to noncurrent loans | 90.8601% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 3.9998% | 1,668 |
| Noncurrent loans to loans | 4.5616% | 1,525 |
| Net loans and leases to total assets | 60.7132% | 4,129 |
| Net loans and leases to deposits | 77.0214% | 3,252 |
| Net loans and leases to core deposits | 114.9904% | 564 |
| Total domestic deposits to total assets | 78.8264% | 6,233 |
| Equity capital to assets | 14.6195% | 850 |
| Core capital (leverage) ratio | 13.2688% | 1,037 |
| Tier 1 risk-based capital ratio | 17.2548% | 2,389 |
| Total risk-based capital ratio | 18.5312% | 2,355 |
| Memoranda: | ||
| Average total assets | $1,224,318,500 | 549 |
| Average earning assets | $1,146,550,500 | 524 |
| Average equity | $171,988,500 | 417 |
| Average total loans | $772,675,000 | 554 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7524% | 217 |
| Cost of funding earning assets | 1.8085% | 1,136 |
| Net interest margin | 4.9439% | 494 |
| Noninterest income to average assets | -0.2870% | 7,504 |
| Noninterest expense to average assets | 4.5410% | 626 |
| Loan and lease loss provision to assets | 1.6886% | 840 |
| Net operating income to assets | -1.9279% | 7,041 |
| Return on assets (ROA) | -1.9122% | 7,046 |
| Pretax return on assets | -1.9095% | 6,998 |
| Return on Equity (ROE) | -15.6720% | 6,943 |
| Retained earnings to average equity (ytd only) | -15.6720% | 6,906 |
| Net charge-offs to loans | 4.1323% | 298 |
| Credit loss provision to net charge-offs | 63.1586% | 6,027 |
| Earnings coverage of net charge-offs (x) | -0.0885% | 6,210 |
| Efficiency ratio | 103.6409% | 683 |
| Assets per employee ($millions) | 4.2821% | 3,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4160% | 287 |
| Loan loss allowance to noncurrent loans | 70.0625% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 4.9814% | 1,291 |
| Noncurrent loans to loans | 6.3030% | 970 |
| Net loans and leases to total assets | 60.1164% | 4,660 |
| Net loans and leases to deposits | 75.0633% | 4,013 |
| Net loans and leases to core deposits | 114.7395% | 688 |
| Total domestic deposits to total assets | 80.0876% | 5,810 |
| Equity capital to assets | 13.5035% | 1,179 |
| Core capital (leverage) ratio | 12.1816% | 1,442 |
| Tier 1 risk-based capital ratio | 16.1497% | 2,674 |
| Total risk-based capital ratio | 17.4285% | 2,622 |
| Memoranda: | ||
| Average total assets | $1,456,742,200 | 464 |
| Average earning assets | $1,352,898,800 | 457 |
| Average equity | $177,743,200 | 393 |
| Average total loans | $942,533,400 | 475 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7165% | 233 |
| Cost of funding earning assets | 1.8794% | 1,090 |
| Net interest margin | 4.8371% | 618 |
| Noninterest income to average assets | -0.1146% | 7,550 |
| Noninterest expense to average assets | 4.4684% | 622 |
| Loan and lease loss provision to assets | 1.7405% | 718 |
| Net operating income to assets | -1.8435% | 7,195 |
| Return on assets (ROA) | -1.7854% | 7,194 |
| Pretax return on assets | -1.7820% | 7,128 |
| Return on Equity (ROE) | -14.9654% | 7,102 |
| Retained earnings to average equity (ytd only) | -14.9654% | 7,075 |
| Net charge-offs to loans | 4.6514% | 203 |
| Credit loss provision to net charge-offs | 57.4985% | 5,757 |
| Earnings coverage of net charge-offs (x) | -0.0329% | 6,058 |
| Efficiency ratio | 100.5123% | 726 |
| Assets per employee ($millions) | 4.5512% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9443% | 386 |
| Loan loss allowance to noncurrent loans | 47.0483% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 6.9000% | 789 |
| Noncurrent loans to loans | 8.3836% | 597 |
| Net loans and leases to total assets | 62.0121% | 4,527 |
| Net loans and leases to deposits | 77.4304% | 3,934 |
| Net loans and leases to core deposits | 123.2531% | 519 |
| Total domestic deposits to total assets | 80.0876% | 5,678 |
| Equity capital to assets | 12.7131% | 1,742 |
| Core capital (leverage) ratio | 11.7031% | 1,817 |
| Tier 1 risk-based capital ratio | 15.0728% | 3,218 |
| Total risk-based capital ratio | 16.3466% | 3,192 |
| Memoranda: | ||
| Average total assets | $1,507,263,500 | 450 |
| Average earning assets | $1,397,084,250 | 438 |
| Average equity | $179,823,250 | 384 |
| Average total loans | $980,891,250 | 457 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6792% | 253 |
| Cost of funding earning assets | 1.9329% | 1,100 |
| Net interest margin | 4.7462% | 727 |
| Noninterest income to average assets | -0.2439% | 7,692 |
| Noninterest expense to average assets | 4.4748% | 592 |
| Loan and lease loss provision to assets | 1.7416% | 718 |
| Net operating income to assets | -2.0672% | 7,325 |
| Return on assets (ROA) | -1.8670% | 7,282 |
| Pretax return on assets | -1.8620% | 7,196 |
| Return on Equity (ROE) | -15.9541% | 7,171 |
| Retained earnings to average equity (ytd only) | -15.9541% | 7,134 |
| Net charge-offs to loans | 4.2155% | 292 |
| Credit loss provision to net charge-offs | 63.3355% | 5,128 |
| Earnings coverage of net charge-offs (x) | -0.1166% | 5,816 |
| Efficiency ratio | 105.9188% | 631 |
| Assets per employee ($millions) | 4.7697% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3510% | 282 |
| Loan loss allowance to noncurrent loans | 39.1365% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 8.4843% | 550 |
| Noncurrent loans to loans | 11.1175% | 358 |
| Net loans and leases to total assets | 62.0809% | 4,669 |
| Net loans and leases to deposits | 78.6051% | 3,867 |
| Net loans and leases to core deposits | 134.0350% | 363 |
| Total domestic deposits to total assets | 78.9782% | 6,047 |
| Equity capital to assets | 12.3416% | 1,901 |
| Core capital (leverage) ratio | 11.2132% | 2,092 |
| Tier 1 risk-based capital ratio | 14.6983% | 3,327 |
| Total risk-based capital ratio | 15.9712% | 3,288 |
| Memoranda: | ||
| Average total assets | $1,556,078,670 | 438 |
| Average earning assets | $1,441,948,000 | 423 |
| Average equity | $182,097,000 | 380 |
| Average total loans | $1,015,013,670 | 446 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6781% | 275 |
| Cost of funding earning assets | 1.9916% | 1,118 |
| Net interest margin | 4.6866% | 801 |
| Noninterest income to average assets | -1.0385% | 7,899 |
| Noninterest expense to average assets | 4.0405% | 976 |
| Loan and lease loss provision to assets | 2.1611% | 499 |
| Net operating income to assets | -2.9157% | 7,627 |
| Return on assets (ROA) | -2.7634% | 7,605 |
| Pretax return on assets | -2.7626% | 7,562 |
| Return on Equity (ROE) | -24.2185% | 7,490 |
| Retained earnings to average equity (ytd only) | -24.2185% | 7,447 |
| Net charge-offs to loans | 4.9991% | 241 |
| Credit loss provision to net charge-offs | 66.1242% | 4,179 |
| Earnings coverage of net charge-offs (x) | -0.2307% | 5,176 |
| Efficiency ratio | 120.7248% | 435 |
| Assets per employee ($millions) | 5.0307% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4426% | 264 |
| Loan loss allowance to noncurrent loans | 33.7526% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 10.4774% | 363 |
| Noncurrent loans to loans | 13.1624% | 241 |
| Net loans and leases to total assets | 60.3733% | 5,054 |
| Net loans and leases to deposits | 79.1937% | 3,804 |
| Net loans and leases to core deposits | 142.3946% | 304 |
| Total domestic deposits to total assets | 76.2350% | 6,718 |
| Equity capital to assets | 11.5643% | 2,316 |
| Core capital (leverage) ratio | 11.1789% | 2,110 |
| Tier 1 risk-based capital ratio | 13.4668% | 4,008 |
| Total risk-based capital ratio | 14.7434% | 3,951 |
| Memoranda: | ||
| Average total assets | $1,601,967,000 | 437 |
| Average earning assets | $1,478,443,500 | 433 |
| Average equity | $182,786,000 | 382 |
| Average total loans | $1,047,318,500 | 451 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2546% | 1,108 |
| Cost of funding earning assets | 2.4468% | 1,168 |
| Net interest margin | 3.8078% | 3,668 |
| Noninterest income to average assets | 0.4599% | 4,718 |
| Noninterest expense to average assets | 5.0303% | 508 |
| Loan and lease loss provision to assets | 4.1890% | 297 |
| Net operating income to assets | -5.2044% | 7,769 |
| Return on assets (ROA) | -5.4563% | 7,786 |
| Pretax return on assets | -5.4576% | 7,759 |
| Return on Equity (ROE) | -49.0172% | 7,676 |
| Retained earnings to average equity (ytd only) | -49.0172% | 7,669 |
| Net charge-offs to loans | 5.7491% | 189 |
| Credit loss provision to net charge-offs | 110.4710% | 4,980 |
| Earnings coverage of net charge-offs (x) | -0.2681% | 6,513 |
| Efficiency ratio | 86.4152% | 2,065 |
| Assets per employee ($millions) | 4.9975% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5255% | 244 |
| Loan loss allowance to noncurrent loans | 42.3672% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 9.3299% | 427 |
| Noncurrent loans to loans | 10.6816% | 361 |
| Net loans and leases to total assets | 64.4970% | 4,495 |
| Net loans and leases to deposits | 85.1397% | 3,060 |
| Net loans and leases to core deposits | 108.1228% | 3,092 |
| Total domestic deposits to total assets | 75.7543% | 6,730 |
| Equity capital to assets | 11.2573% | 2,491 |
| Core capital (leverage) ratio | 10.2973% | 2,788 |
| Tier 1 risk-based capital ratio | 12.6655% | 4,391 |
| Total risk-based capital ratio | 13.9441% | 4,304 |
| Memoranda: | ||
| Average total assets | $1,862,972,000 | 381 |
| Average earning assets | $1,738,728,000 | 368 |
| Average equity | $207,376,000 | 343 |
| Average total loans | $1,228,771,800 | 397 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0935% | 1,671 |
| Cost of funding earning assets | 2.5119% | 1,261 |
| Net interest margin | 3.5816% | 4,552 |
| Noninterest income to average assets | 0.3534% | 5,667 |
| Noninterest expense to average assets | 4.4189% | 817 |
| Loan and lease loss provision to assets | 3.5816% | 360 |
| Net operating income to assets | -4.2949% | 7,779 |
| Return on assets (ROA) | -4.5143% | 7,800 |
| Pretax return on assets | -4.5163% | 7,757 |
| Return on Equity (ROE) | -40.6500% | 7,756 |
| Retained earnings to average equity (ytd only) | -40.6500% | 7,751 |
| Net charge-offs to loans | 5.0454% | 224 |
| Credit loss provision to net charge-offs | 108.1712% | 4,698 |
| Earnings coverage of net charge-offs (x) | -0.2160% | 6,299 |
| Efficiency ratio | 92.5176% | 1,502 |
| Assets per employee ($millions) | 5.1568% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0262% | 294 |
| Loan loss allowance to noncurrent loans | 29.2453% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 9.2578% | 407 |
| Noncurrent loans to loans | 13.7670% | 190 |
| Net loans and leases to total assets | 61.0652% | 5,414 |
| Net loans and leases to deposits | 79.9889% | 4,388 |
| Net loans and leases to core deposits | 99.1149% | 4,472 |
| Total domestic deposits to total assets | 76.3420% | 6,517 |
| Equity capital to assets | 11.3640% | 2,700 |
| Core capital (leverage) ratio | 10.2072% | 3,059 |
| Tier 1 risk-based capital ratio | 13.1114% | 4,113 |
| Total risk-based capital ratio | 14.3857% | 4,030 |
| Memoranda: | ||
| Average total assets | $1,926,413,500 | 376 |
| Average earning assets | $1,801,962,500 | 367 |
| Average equity | $213,931,750 | 346 |
| Average total loans | $1,264,193,500 | 405 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0382% | 2,022 |
| Cost of funding earning assets | 2.5780% | 1,350 |
| Net interest margin | 3.4602% | 4,965 |
| Noninterest income to average assets | 0.4316% | 5,012 |
| Noninterest expense to average assets | 4.4921% | 784 |
| Loan and lease loss provision to assets | 4.2191% | 278 |
| Net operating income to assets | -5.0447% | 7,939 |
| Return on assets (ROA) | -5.3339% | 7,953 |
| Pretax return on assets | -5.3370% | 7,903 |
| Return on Equity (ROE) | -48.3702% | 7,904 |
| Retained earnings to average equity (ytd only) | -48.3702% | 7,898 |
| Net charge-offs to loans | 3.8528% | 376 |
| Credit loss provision to net charge-offs | 165.3548% | 2,771 |
| Earnings coverage of net charge-offs (x) | -0.3248% | 5,970 |
| Efficiency ratio | 85.2299% | 2,328 |
| Assets per employee ($millions) | 4.8420% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7410% | 149 |
| Loan loss allowance to noncurrent loans | 36.5413% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 9.2207% | 361 |
| Noncurrent loans to loans | 12.9742% | 182 |
| Net loans and leases to total assets | 63.1189% | 5,159 |
| Net loans and leases to deposits | 80.6075% | 4,457 |
| Net loans and leases to core deposits | 97.0849% | 4,776 |
| Total domestic deposits to total assets | 78.3040% | 5,996 |
| Equity capital to assets | 11.4723% | 2,556 |
| Core capital (leverage) ratio | 10.1585% | 3,143 |
| Tier 1 risk-based capital ratio | 13.3090% | 3,931 |
| Total risk-based capital ratio | 14.5918% | 3,841 |
| Memoranda: | ||
| Average total assets | $1,973,799,670 | 380 |
| Average earning assets | $1,843,535,000 | 363 |
| Average equity | $217,654,670 | 349 |
| Average total loans | $1,307,169,330 | 404 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0500% | 2,151 |
| Cost of funding earning assets | 2.6892% | 1,302 |
| Net interest margin | 3.3608% | 5,287 |
| Noninterest income to average assets | 0.5687% | 3,769 |
| Noninterest expense to average assets | 2.6817% | 5,092 |
| Loan and lease loss provision to assets | 2.3139% | 511 |
| Net operating income to assets | -1.2831% | 7,406 |
| Return on assets (ROA) | -1.3878% | 7,470 |
| Pretax return on assets | -1.3992% | 7,334 |
| Return on Equity (ROE) | -12.8211% | 7,512 |
| Retained earnings to average equity (ytd only) | -12.8211% | 7,313 |
| Net charge-offs to loans | 1.7894% | 810 |
| Credit loss provision to net charge-offs | 195.3013% | 2,263 |
| Earnings coverage of net charge-offs (x) | 0.8604% | 4,334 |
| Efficiency ratio | 67.6375% | 5,034 |
| Assets per employee ($millions) | 5.0705% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6411% | 287 |
| Loan loss allowance to noncurrent loans | 49.3271% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 5.3780% | 805 |
| Noncurrent loans to loans | 7.3815% | 513 |
| Net loans and leases to total assets | 63.1346% | 5,135 |
| Net loans and leases to deposits | 80.4687% | 4,538 |
| Net loans and leases to core deposits | 91.5291% | 5,396 |
| Total domestic deposits to total assets | 78.4586% | 5,874 |
| Equity capital to assets | 10.9227% | 3,039 |
| Core capital (leverage) ratio | 9.8208% | 3,615 |
| Tier 1 risk-based capital ratio | 12.5263% | 4,532 |
| Total risk-based capital ratio | 13.7982% | 4,436 |
| Memoranda: | ||
| Average total assets | $2,033,460,500 | 374 |
| Average earning assets | $1,895,277,500 | 357 |
| Average equity | $220,106,500 | 341 |
| Average total loans | $1,346,362,500 | 395 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4393% | 463 |
| Cost of funding earning assets | 3.3953% | 718 |
| Net interest margin | 4.0440% | 2,932 |
| Noninterest income to average assets | -0.0252% | 8,169 |
| Noninterest expense to average assets | 6.1622% | 382 |
| Loan and lease loss provision to assets | 3.5921% | 216 |
| Net operating income to assets | -6.0782% | 8,156 |
| Return on assets (ROA) | -6.0555% | 8,149 |
| Pretax return on assets | -6.0477% | 8,107 |
| Return on Equity (ROE) | -48.1871% | 8,142 |
| Retained earnings to average equity (ytd only) | -48.1871% | 8,124 |
| Net charge-offs to loans | 3.7802% | 194 |
| Credit loss provision to net charge-offs | 129.8817% | 4,095 |
| Earnings coverage of net charge-offs (x) | -0.8960% | 6,578 |
| Efficiency ratio | 106.1324% | 810 |
| Assets per employee ($millions) | 5.0345% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0134% | 425 |
| Loan loss allowance to noncurrent loans | 98.5640% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 2.5923% | 1,861 |
| Noncurrent loans to loans | 3.0573% | 1,749 |
| Net loans and leases to total assets | 64.8582% | 5,094 |
| Net loans and leases to deposits | 84.8441% | 4,282 |
| Net loans and leases to core deposits | 92.1886% | 5,618 |
| Total domestic deposits to total assets | 76.4440% | 6,134 |
| Equity capital to assets | 10.7297% | 3,269 |
| Core capital (leverage) ratio | 9.6007% | 3,877 |
| Tier 1 risk-based capital ratio | 11.9998% | 4,831 |
| Total risk-based capital ratio | 13.2661% | 4,694 |
| Memoranda: | ||
| Average total assets | $2,209,616,400 | 330 |
| Average earning assets | $2,026,699,800 | 325 |
| Average equity | $277,675,800 | 282 |
| Average total loans | $1,616,598,000 | 329 |