Home > Xenith Bank > Performance and Condition Ratios
Xenith Bank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2932% | 2,350 |
| Cost of funding earning assets | 0.6184% | 1,483 |
| Net interest margin | 3.6748% | 2,895 |
| Noninterest income to average assets | 0.4183% | 3,515 |
| Noninterest expense to average assets | 2.5189% | 3,715 |
| Loan and lease loss provision to assets | 0.0268% | 3,756 |
| Net operating income to assets | -1.0667% | 5,595 |
| Return on assets (ROA) | -1.0569% | 5,594 |
| Pretax return on assets | 1.0737% | 3,283 |
| Return on Equity (ROE) | -7.2893% | 5,568 |
| Retained earnings to average equity (ytd only) | -7.2893% | 5,487 |
| Net charge-offs to loans | 0.2463% | 1,055 |
| Credit loss provision to net charge-offs | 14.5196% | 3,641 |
| Earnings coverage of net charge-offs (x) | 5.8812% | 3,261 |
| Efficiency ratio | 69.3981% | 2,637 |
| Assets per employee ($millions) | 7.5481% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6714% | 5,123 |
| Loan loss allowance to noncurrent loans | 85.7005% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 0.7281% | 2,146 |
| Noncurrent loans to loans | 0.7834% | 2,260 |
| Net loans and leases to total assets | 76.0030% | 1,593 |
| Net loans and leases to deposits | 96.8587% | 1,005 |
| Net loans and leases to core deposits | 104.8928% | 1,349 |
| Total domestic deposits to total assets | 78.4679% | 4,645 |
| Equity capital to assets | 13.2522% | 1,145 |
| Core capital (leverage) ratio | 10.6846% | 2,664 |
| Tier 1 risk-based capital ratio | 11.4494% | 4,884 |
| Total risk-based capital ratio | 12.0262% | 5,156 |
| Memoranda: | ||
| Average total assets | $3,237,146,800 | 290 |
| Average earning assets | $2,808,293,600 | 298 |
| Average equity | $469,357,400 | 237 |
| Average total loans | $2,430,373,400 | 276 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2925% | 2,284 |
| Cost of funding earning assets | 0.6096% | 1,464 |
| Net interest margin | 3.6828% | 2,815 |
| Noninterest income to average assets | 0.4204% | 3,561 |
| Noninterest expense to average assets | 2.3389% | 4,191 |
| Loan and lease loss provision to assets | 0.0002% | 4,085 |
| Net operating income to assets | 0.8414% | 3,319 |
| Return on assets (ROA) | 0.8549% | 3,301 |
| Pretax return on assets | 1.2747% | 2,608 |
| Return on Equity (ROE) | 5.7702% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.7702% | 2,391 |
| Net charge-offs to loans | 0.3143% | 666 |
| Credit loss provision to net charge-offs | 0.0704% | 3,273 |
| Earnings coverage of net charge-offs (x) | 5.3547% | 3,120 |
| Efficiency ratio | 64.5844% | 3,437 |
| Assets per employee ($millions) | 7.2564% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6656% | 5,215 |
| Loan loss allowance to noncurrent loans | 68.8320% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 0.8731% | 1,967 |
| Noncurrent loans to loans | 0.9670% | 1,992 |
| Net loans and leases to total assets | 74.4986% | 1,837 |
| Net loans and leases to deposits | 92.4240% | 1,506 |
| Net loans and leases to core deposits | 99.3535% | 1,763 |
| Total domestic deposits to total assets | 80.6052% | 4,171 |
| Equity capital to assets | 15.0306% | 722 |
| Core capital (leverage) ratio | 11.2433% | 2,226 |
| Tier 1 risk-based capital ratio | 12.1605% | 4,514 |
| Total risk-based capital ratio | 12.7367% | 4,863 |
| Memoranda: | ||
| Average total assets | $3,227,465,500 | 292 |
| Average earning assets | $2,783,103,750 | 302 |
| Average equity | $478,165,750 | 239 |
| Average total loans | $2,411,319,500 | 280 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 2,275 |
| Cost of funding earning assets | 0.5950% | 1,482 |
| Net interest margin | 3.6582% | 2,803 |
| Noninterest income to average assets | 0.4328% | 3,469 |
| Noninterest expense to average assets | 2.3797% | 4,116 |
| Loan and lease loss provision to assets | 0.0002% | 3,869 |
| Net operating income to assets | 0.8195% | 3,298 |
| Return on assets (ROA) | 0.8267% | 3,319 |
| Pretax return on assets | 1.2261% | 2,675 |
| Return on Equity (ROE) | 5.6072% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.6072% | 2,345 |
| Net charge-offs to loans | 0.4101% | 495 |
| Credit loss provision to net charge-offs | 0.0813% | 2,904 |
| Earnings coverage of net charge-offs (x) | 3.9846% | 2,987 |
| Efficiency ratio | 65.6694% | 3,402 |
| Assets per employee ($millions) | 6.9405% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7183% | 5,166 |
| Loan loss allowance to noncurrent loans | 63.6761% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.0011% | 1,748 |
| Noncurrent loans to loans | 1.1280% | 1,743 |
| Net loans and leases to total assets | 74.0409% | 1,856 |
| Net loans and leases to deposits | 88.3830% | 1,937 |
| Net loans and leases to core deposits | 93.5008% | 2,198 |
| Total domestic deposits to total assets | 83.7727% | 3,296 |
| Equity capital to assets | 15.1609% | 679 |
| Core capital (leverage) ratio | 10.9100% | 2,491 |
| Tier 1 risk-based capital ratio | 12.1900% | 4,497 |
| Total risk-based capital ratio | 12.8163% | 4,810 |
| Memoranda: | ||
| Average total assets | $3,217,238,670 | 294 |
| Average earning assets | $2,784,489,000 | 305 |
| Average equity | $474,315,000 | 241 |
| Average total loans | $2,400,580,330 | 284 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2429% | 2,122 |
| Cost of funding earning assets | 0.5904% | 1,438 |
| Net interest margin | 3.6526% | 2,686 |
| Noninterest income to average assets | 0.3946% | 3,703 |
| Noninterest expense to average assets | 2.3787% | 4,182 |
| Loan and lease loss provision to assets | 0.0005% | 3,535 |
| Net operating income to assets | 0.7934% | 3,251 |
| Return on assets (ROA) | 0.8086% | 3,242 |
| Pretax return on assets | 1.1850% | 2,654 |
| Return on Equity (ROE) | 5.5566% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.5566% | 2,563 |
| Net charge-offs to loans | 0.6084% | 293 |
| Credit loss provision to net charge-offs | 0.1089% | 2,276 |
| Earnings coverage of net charge-offs (x) | 2.5778% | 2,575 |
| Efficiency ratio | 66.5680% | 3,400 |
| Assets per employee ($millions) | 6.8558% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 5,126 |
| Loan loss allowance to noncurrent loans | 58.4632% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.1383% | 1,552 |
| Noncurrent loans to loans | 1.3263% | 1,528 |
| Net loans and leases to total assets | 73.0411% | 1,907 |
| Net loans and leases to deposits | 88.4612% | 1,733 |
| Net loans and leases to core deposits | 94.8493% | 1,905 |
| Total domestic deposits to total assets | 82.5685% | 3,984 |
| Equity capital to assets | 14.8020% | 691 |
| Core capital (leverage) ratio | 10.3531% | 3,052 |
| Tier 1 risk-based capital ratio | 11.9302% | 4,764 |
| Total risk-based capital ratio | 12.6101% | 5,014 |
| Memoranda: | ||
| Average total assets | $3,237,058,000 | 294 |
| Average earning assets | $2,795,617,500 | 303 |
| Average equity | $471,080,000 | 242 |
| Average total loans | $2,415,573,500 | 284 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1663% | 2,599 |
| Cost of funding earning assets | 0.5963% | 1,365 |
| Net interest margin | 3.5700% | 3,188 |
| Noninterest income to average assets | 1.2200% | 765 |
| Noninterest expense to average assets | 3.7406% | 836 |
| Loan and lease loss provision to assets | 0.4411% | 327 |
| Net operating income to assets | 2.4246% | 159 |
| Return on assets (ROA) | 2.3602% | 185 |
| Pretax return on assets | 0.0759% | 5,614 |
| Return on Equity (ROE) | 16.0529% | 503 |
| Retained earnings to average equity (ytd only) | 16.0529% | 87 |
| Net charge-offs to loans | 0.6393% | 350 |
| Credit loss provision to net charge-offs | 90.1243% | 2,793 |
| Earnings coverage of net charge-offs (x) | 1.1879% | 4,027 |
| Efficiency ratio | 86.1265% | 811 |
| Assets per employee ($millions) | 6.8176% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8869% | 4,827 |
| Loan loss allowance to noncurrent loans | 54.9422% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 1.3839% | 1,242 |
| Noncurrent loans to loans | 1.6142% | 1,216 |
| Net loans and leases to total assets | 74.9406% | 1,703 |
| Net loans and leases to deposits | 94.5033% | 1,145 |
| Net loans and leases to core deposits | 102.5462% | 1,408 |
| Total domestic deposits to total assets | 79.2995% | 4,720 |
| Equity capital to assets | 14.3088% | 793 |
| Core capital (leverage) ratio | 9.9348% | 3,580 |
| Tier 1 risk-based capital ratio | 11.1574% | 5,249 |
| Total risk-based capital ratio | 11.9354% | 5,410 |
| Memoranda: | ||
| Average total assets | $2,563,483,400 | 337 |
| Average earning assets | $2,227,442,800 | 343 |
| Average equity | $376,898,800 | 267 |
| Average total loans | $1,962,456,400 | 307 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0943% | 2,898 |
| Cost of funding earning assets | 0.5853% | 1,453 |
| Net interest margin | 3.5091% | 3,435 |
| Noninterest income to average assets | 1.3845% | 621 |
| Noninterest expense to average assets | 4.1649% | 497 |
| Loan and lease loss provision to assets | 0.5969% | 196 |
| Net operating income to assets | 3.0850% | 82 |
| Return on assets (ROA) | 2.9987% | 91 |
| Pretax return on assets | -0.4084% | 5,840 |
| Return on Equity (ROE) | 20.2099% | 231 |
| Retained earnings to average equity (ytd only) | 20.2099% | 57 |
| Net charge-offs to loans | 0.0095% | 3,597 |
| Credit loss provision to net charge-offs | 8,154.1985% | 66 |
| Earnings coverage of net charge-offs (x) | 37.4967% | 1,289 |
| Efficiency ratio | 93.3961% | 411 |
| Assets per employee ($millions) | 5.3651% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 2,542 |
| Loan loss allowance to noncurrent loans | 65.4324% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.7391% | 967 |
| Noncurrent loans to loans | 2.0267% | 963 |
| Net loans and leases to total assets | 75.4643% | 1,620 |
| Net loans and leases to deposits | 96.2318% | 1,029 |
| Net loans and leases to core deposits | 103.0908% | 1,409 |
| Total domestic deposits to total assets | 78.4193% | 4,830 |
| Equity capital to assets | 14.0498% | 1,012 |
| Core capital (leverage) ratio | 11.5515% | 1,987 |
| Tier 1 risk-based capital ratio | 11.1973% | 5,257 |
| Total risk-based capital ratio | 12.3945% | 5,205 |
| Memoranda: | ||
| Average total assets | $2,386,242,000 | 350 |
| Average earning assets | $2,077,387,250 | 360 |
| Average equity | $354,061,250 | 282 |
| Average total loans | $1,834,485,750 | 325 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0215% | 3,175 |
| Cost of funding earning assets | 0.5946% | 1,354 |
| Net interest margin | 3.4270% | 3,769 |
| Noninterest income to average assets | 1.5330% | 513 |
| Noninterest expense to average assets | 3.7018% | 881 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6169% | 4,201 |
| Return on assets (ROA) | 0.5456% | 4,608 |
| Pretax return on assets | 0.7465% | 4,469 |
| Return on Equity (ROE) | 3.5757% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.5757% | 3,615 |
| Net charge-offs to loans | 0.0342% | 2,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 31.0330% | 1,370 |
| Efficiency ratio | 81.3852% | 1,341 |
| Assets per employee ($millions) | 4.1644% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 2,241 |
| Loan loss allowance to noncurrent loans | 76.5282% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.6211% | 1,132 |
| Noncurrent loans to loans | 1.8436% | 1,104 |
| Net loans and leases to total assets | 76.2771% | 1,447 |
| Net loans and leases to deposits | 96.6181% | 1,016 |
| Net loans and leases to core deposits | 101.8727% | 1,479 |
| Total domestic deposits to total assets | 78.9470% | 4,799 |
| Equity capital to assets | 15.2683% | 677 |
| Core capital (leverage) ratio | 12.7593% | 1,250 |
| Tier 1 risk-based capital ratio | 14.5970% | 3,260 |
| Total risk-based capital ratio | 15.8700% | 3,185 |
| Memoranda: | ||
| Average total assets | $2,072,874,670 | 386 |
| Average earning assets | $1,806,269,330 | 397 |
| Average equity | $316,300,000 | 305 |
| Average total loans | $1,598,002,000 | 355 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 3,081 |
| Cost of funding earning assets | 0.6105% | 1,268 |
| Net interest margin | 3.4268% | 3,781 |
| Noninterest income to average assets | 1.3822% | 581 |
| Noninterest expense to average assets | 3.7561% | 833 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4635% | 4,763 |
| Return on assets (ROA) | 0.4235% | 5,002 |
| Pretax return on assets | 0.5692% | 4,904 |
| Return on Equity (ROE) | 2.7764% | 5,306 |
| Retained earnings to average equity (ytd only) | 2.7764% | 4,127 |
| Net charge-offs to loans | 0.4936% | 448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.6038% | 2,795 |
| Efficiency ratio | 85.3826% | 1,035 |
| Assets per employee ($millions) | 3.7084% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 2,657 |
| Loan loss allowance to noncurrent loans | 61.9741% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 2.0964% | 813 |
| Noncurrent loans to loans | 2.1787% | 948 |
| Net loans and leases to total assets | 75.7651% | 1,428 |
| Net loans and leases to deposits | 91.4156% | 1,417 |
| Net loans and leases to core deposits | 96.7250% | 1,728 |
| Total domestic deposits to total assets | 82.8798% | 3,941 |
| Equity capital to assets | 15.4370% | 616 |
| Core capital (leverage) ratio | 12.6919% | 1,272 |
| Tier 1 risk-based capital ratio | 14.7199% | 3,277 |
| Total risk-based capital ratio | 15.9646% | 3,224 |
| Memoranda: | ||
| Average total assets | $2,059,877,500 | 389 |
| Average earning assets | $1,793,167,000 | 399 |
| Average equity | $314,219,500 | 307 |
| Average total loans | $1,585,069,000 | 354 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0969% | 2,932 |
| Cost of funding earning assets | 0.6179% | 1,252 |
| Net interest margin | 3.4789% | 3,599 |
| Noninterest income to average assets | 1.0787% | 1,013 |
| Noninterest expense to average assets | 3.8974% | 764 |
| Loan and lease loss provision to assets | 0.0296% | 3,779 |
| Net operating income to assets | 5.0021% | 45 |
| Return on assets (ROA) | 4.9282% | 47 |
| Pretax return on assets | 0.1968% | 5,690 |
| Return on Equity (ROE) | 41.3884% | 22 |
| Retained earnings to average equity (ytd only) | 41.3884% | 10 |
| Net charge-offs to loans | 0.2859% | 1,060 |
| Credit loss provision to net charge-offs | 13.4348% | 3,803 |
| Earnings coverage of net charge-offs (x) | 1.3623% | 4,101 |
| Efficiency ratio | 92.1486% | 564 |
| Assets per employee ($millions) | 3.9945% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 2,208 |
| Loan loss allowance to noncurrent loans | 65.2850% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 2.3071% | 705 |
| Noncurrent loans to loans | 2.2209% | 885 |
| Net loans and leases to total assets | 75.8652% | 1,445 |
| Net loans and leases to deposits | 91.6107% | 1,439 |
| Net loans and leases to core deposits | 96.9242% | 1,761 |
| Total domestic deposits to total assets | 82.8126% | 3,901 |
| Equity capital to assets | 15.2319% | 635 |
| Core capital (leverage) ratio | 13.3403% | 1,022 |
| Tier 1 risk-based capital ratio | 14.5898% | 3,391 |
| Total risk-based capital ratio | 15.8689% | 3,296 |
| Memoranda: | ||
| Average total assets | $2,026,261,800 | 377 |
| Average earning assets | $1,816,565,200 | 381 |
| Average equity | $241,273,000 | 361 |
| Average total loans | $1,561,981,000 | 343 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0649% | 3,081 |
| Cost of funding earning assets | 0.6492% | 1,099 |
| Net interest margin | 3.4157% | 3,890 |
| Noninterest income to average assets | 1.7218% | 444 |
| Noninterest expense to average assets | 4.0916% | 602 |
| Loan and lease loss provision to assets | 0.0428% | 3,358 |
| Net operating income to assets | 0.6454% | 4,153 |
| Return on assets (ROA) | 0.5386% | 4,737 |
| Pretax return on assets | 0.5454% | 5,111 |
| Return on Equity (ROE) | 4.7659% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.7659% | 3,076 |
| Net charge-offs to loans | 0.4890% | 492 |
| Credit loss provision to net charge-offs | 11.4106% | 3,439 |
| Earnings coverage of net charge-offs (x) | 1.8511% | 3,768 |
| Efficiency ratio | 85.4822% | 1,043 |
| Assets per employee ($millions) | 3.4129% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5891% | 1,823 |
| Loan loss allowance to noncurrent loans | 62.6311% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 2.6452% | 626 |
| Noncurrent loans to loans | 2.5372% | 805 |
| Net loans and leases to total assets | 77.5461% | 1,170 |
| Net loans and leases to deposits | 90.7761% | 1,554 |
| Net loans and leases to core deposits | 96.7586% | 1,816 |
| Total domestic deposits to total assets | 85.4257% | 2,815 |
| Equity capital to assets | 11.7528% | 2,304 |
| Core capital (leverage) ratio | 10.9837% | 2,506 |
| Tier 1 risk-based capital ratio | 12.4168% | 4,814 |
| Total risk-based capital ratio | 13.6744% | 4,718 |
| Memoranda: | ||
| Average total assets | $1,634,174,750 | 446 |
| Average earning assets | $1,466,254,750 | 446 |
| Average equity | $184,667,000 | 448 |
| Average total loans | $1,254,482,250 | 402 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0356% | 3,141 |
| Cost of funding earning assets | 0.6528% | 1,086 |
| Net interest margin | 3.3828% | 3,959 |
| Noninterest income to average assets | 1.5996% | 504 |
| Noninterest expense to average assets | 3.8421% | 822 |
| Loan and lease loss provision to assets | 0.0638% | 2,844 |
| Net operating income to assets | 0.7191% | 3,798 |
| Return on assets (ROA) | 0.6208% | 4,373 |
| Pretax return on assets | 0.6281% | 4,899 |
| Return on Equity (ROE) | 5.5660% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.5660% | 2,495 |
| Net charge-offs to loans | -0.0334% | 5,370 |
| Credit loss provision to net charge-offs | -251.1962% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9487% | 1,379 |
| Assets per employee ($millions) | 3.4655% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9224% | 1,121 |
| Loan loss allowance to noncurrent loans | 64.9885% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 3.0567% | 539 |
| Noncurrent loans to loans | 2.9581% | 676 |
| Net loans and leases to total assets | 78.7172% | 976 |
| Net loans and leases to deposits | 93.8334% | 1,166 |
| Net loans and leases to core deposits | 100.0772% | 1,486 |
| Total domestic deposits to total assets | 83.8905% | 3,616 |
| Equity capital to assets | 11.5743% | 2,351 |
| Core capital (leverage) ratio | 10.9001% | 2,519 |
| Tier 1 risk-based capital ratio | 12.6199% | 4,731 |
| Total risk-based capital ratio | 13.8817% | 4,649 |
| Memoranda: | ||
| Average total assets | $1,646,487,670 | 442 |
| Average earning assets | $1,475,865,670 | 447 |
| Average equity | $183,649,330 | 451 |
| Average total loans | $1,253,111,670 | 401 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8767% | 3,715 |
| Cost of funding earning assets | 0.6423% | 1,169 |
| Net interest margin | 3.2344% | 4,471 |
| Noninterest income to average assets | 1.3536% | 629 |
| Noninterest expense to average assets | 3.5093% | 1,284 |
| Loan and lease loss provision to assets | 0.1261% | 1,643 |
| Net operating income to assets | 0.6059% | 4,261 |
| Return on assets (ROA) | 0.5086% | 4,762 |
| Pretax return on assets | 0.5163% | 5,138 |
| Return on Equity (ROE) | 4.6443% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.6443% | 3,240 |
| Net charge-offs to loans | -0.1730% | 6,014 |
| Credit loss provision to net charge-offs | -98.3146% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5976% | 1,547 |
| Assets per employee ($millions) | 4.9278% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9309% | 1,226 |
| Loan loss allowance to noncurrent loans | 129.9638% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 2.1158% | 1,087 |
| Noncurrent loans to loans | 1.4858% | 1,907 |
| Net loans and leases to total assets | 76.4173% | 1,154 |
| Net loans and leases to deposits | 93.8019% | 1,003 |
| Net loans and leases to core deposits | 99.8703% | 1,329 |
| Total domestic deposits to total assets | 81.4667% | 4,682 |
| Equity capital to assets | 11.0285% | 2,937 |
| Core capital (leverage) ratio | 10.2336% | 3,300 |
| Tier 1 risk-based capital ratio | 11.6757% | 5,451 |
| Total risk-based capital ratio | 12.9301% | 5,351 |
| Memoranda: | ||
| Average total assets | $1,665,745,000 | 438 |
| Average earning assets | $1,490,960,500 | 442 |
| Average equity | $182,418,000 | 455 |
| Average total loans | $1,234,386,500 | 400 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0013% | 3,724 |
| Cost of funding earning assets | 0.6264% | 1,564 |
| Net interest margin | 3.3750% | 4,302 |
| Noninterest income to average assets | 1.2673% | 753 |
| Noninterest expense to average assets | 3.4809% | 1,525 |
| Loan and lease loss provision to assets | -0.0110% | 5,919 |
| Net operating income to assets | 0.7931% | 3,407 |
| Return on assets (ROA) | 0.7807% | 3,555 |
| Pretax return on assets | 0.7815% | 4,325 |
| Return on Equity (ROE) | 7.3729% | 3,431 |
| Retained earnings to average equity (ytd only) | 7.3729% | 1,241 |
| Net charge-offs to loans | 0.6800% | 549 |
| Credit loss provision to net charge-offs | -2.3357% | 5,292 |
| Earnings coverage of net charge-offs (x) | 1.6604% | 4,365 |
| Efficiency ratio | 81.6373% | 1,703 |
| Assets per employee ($millions) | 3.6993% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0629% | 1,002 |
| Loan loss allowance to noncurrent loans | 130.9119% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 2.2998% | 1,037 |
| Noncurrent loans to loans | 1.5758% | 1,852 |
| Net loans and leases to total assets | 68.8149% | 2,437 |
| Net loans and leases to deposits | 86.8385% | 1,863 |
| Net loans and leases to core deposits | 92.6820% | 2,023 |
| Total domestic deposits to total assets | 79.2448% | 5,194 |
| Equity capital to assets | 10.8860% | 3,031 |
| Core capital (leverage) ratio | 10.1748% | 3,339 |
| Tier 1 risk-based capital ratio | 12.7447% | 4,893 |
| Total risk-based capital ratio | 14.0017% | 4,792 |
| Memoranda: | ||
| Average total assets | $1,652,428,800 | 428 |
| Average earning assets | $1,467,191,600 | 431 |
| Average equity | $174,965,200 | 451 |
| Average total loans | $1,145,926,800 | 410 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0260% | 3,659 |
| Cost of funding earning assets | 0.6182% | 1,690 |
| Net interest margin | 3.4078% | 4,206 |
| Noninterest income to average assets | 1.3049% | 714 |
| Noninterest expense to average assets | 3.4967% | 1,468 |
| Loan and lease loss provision to assets | -0.0149% | 6,099 |
| Net operating income to assets | 0.8439% | 3,212 |
| Return on assets (ROA) | 0.8372% | 3,336 |
| Pretax return on assets | 0.8376% | 4,225 |
| Return on Equity (ROE) | 7.9628% | 3,231 |
| Retained earnings to average equity (ytd only) | 7.9628% | 1,379 |
| Net charge-offs to loans | 0.7027% | 494 |
| Credit loss provision to net charge-offs | -3.0605% | 5,213 |
| Earnings coverage of net charge-offs (x) | 1.7076% | 4,094 |
| Efficiency ratio | 80.8281% | 1,785 |
| Assets per employee ($millions) | 3.6990% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2697% | 858 |
| Loan loss allowance to noncurrent loans | 105.5955% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 2.6915% | 940 |
| Noncurrent loans to loans | 2.1494% | 1,432 |
| Net loans and leases to total assets | 65.8568% | 2,895 |
| Net loans and leases to deposits | 82.5653% | 2,352 |
| Net loans and leases to core deposits | 87.7131% | 2,463 |
| Total domestic deposits to total assets | 79.7633% | 5,157 |
| Equity capital to assets | 10.5306% | 3,517 |
| Core capital (leverage) ratio | 10.0252% | 3,645 |
| Tier 1 risk-based capital ratio | 12.8320% | 4,960 |
| Total risk-based capital ratio | 14.0912% | 4,874 |
| Memoranda: | ||
| Average total assets | $1,650,292,250 | 429 |
| Average earning assets | $1,463,079,750 | 431 |
| Average equity | $173,503,250 | 450 |
| Average total loans | $1,140,639,750 | 410 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 3,554 |
| Cost of funding earning assets | 0.6120% | 1,795 |
| Net interest margin | 3.4361% | 4,034 |
| Noninterest income to average assets | 1.3263% | 685 |
| Noninterest expense to average assets | 3.4301% | 1,614 |
| Loan and lease loss provision to assets | -0.0244% | 6,253 |
| Net operating income to assets | 0.9544% | 2,535 |
| Return on assets (ROA) | 0.9629% | 2,580 |
| Pretax return on assets | 0.9654% | 3,623 |
| Return on Equity (ROE) | 9.1640% | 2,520 |
| Retained earnings to average equity (ytd only) | 9.1640% | 932 |
| Net charge-offs to loans | 1.4529% | 196 |
| Credit loss provision to net charge-offs | -2.4125% | 5,049 |
| Earnings coverage of net charge-offs (x) | 0.9205% | 3,937 |
| Efficiency ratio | 78.6276% | 2,214 |
| Assets per employee ($millions) | 3.6578% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0578% | 1,262 |
| Loan loss allowance to noncurrent loans | 74.9459% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 3.1447% | 801 |
| Noncurrent loans to loans | 2.7457% | 1,095 |
| Net loans and leases to total assets | 67.8244% | 2,436 |
| Net loans and leases to deposits | 85.4665% | 1,871 |
| Net loans and leases to core deposits | 90.9163% | 2,037 |
| Total domestic deposits to total assets | 79.3579% | 5,373 |
| Equity capital to assets | 10.7221% | 3,173 |
| Core capital (leverage) ratio | 10.0717% | 3,504 |
| Tier 1 risk-based capital ratio | 12.6174% | 5,144 |
| Total risk-based capital ratio | 13.8744% | 5,078 |
| Memoranda: | ||
| Average total assets | $1,636,912,670 | 429 |
| Average earning assets | $1,446,403,670 | 433 |
| Average equity | $172,000,000 | 447 |
| Average total loans | $1,141,147,330 | 407 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 3,355 |
| Cost of funding earning assets | 0.6046% | 1,937 |
| Net interest margin | 3.4789% | 3,787 |
| Noninterest income to average assets | 1.6248% | 467 |
| Noninterest expense to average assets | 3.5994% | 1,307 |
| Loan and lease loss provision to assets | -0.0491% | 6,451 |
| Net operating income to assets | 1.1381% | 1,672 |
| Return on assets (ROA) | 1.2100% | 1,520 |
| Pretax return on assets | 1.2100% | 2,447 |
| Return on Equity (ROE) | 11.6364% | 1,511 |
| Retained earnings to average equity (ytd only) | 11.6364% | 660 |
| Net charge-offs to loans | 1.3472% | 242 |
| Credit loss provision to net charge-offs | -5.2124% | 4,655 |
| Earnings coverage of net charge-offs (x) | 1.1556% | 3,162 |
| Efficiency ratio | 76.7732% | 2,675 |
| Assets per employee ($millions) | 3.6001% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4953% | 812 |
| Loan loss allowance to noncurrent loans | 70.6133% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 3.9874% | 596 |
| Noncurrent loans to loans | 3.5338% | 819 |
| Net loans and leases to total assets | 67.2674% | 2,345 |
| Net loans and leases to deposits | 85.6818% | 1,641 |
| Net loans and leases to core deposits | 91.1266% | 1,814 |
| Total domestic deposits to total assets | 78.5084% | 5,753 |
| Equity capital to assets | 10.6079% | 3,133 |
| Core capital (leverage) ratio | 10.0148% | 3,557 |
| Tier 1 risk-based capital ratio | 13.0774% | 4,961 |
| Total risk-based capital ratio | 14.3400% | 4,890 |
| Memoranda: | ||
| Average total assets | $1,628,715,500 | 432 |
| Average earning assets | $1,434,257,000 | 437 |
| Average equity | $169,365,000 | 454 |
| Average total loans | $1,139,268,000 | 404 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2720% | 3,060 |
| Cost of funding earning assets | 0.6611% | 2,112 |
| Net interest margin | 3.6109% | 3,419 |
| Noninterest income to average assets | 1.3561% | 760 |
| Noninterest expense to average assets | 4.0118% | 861 |
| Loan and lease loss provision to assets | 0.0148% | 4,832 |
| Net operating income to assets | 0.5077% | 4,702 |
| Return on assets (ROA) | 0.4493% | 5,085 |
| Pretax return on assets | 0.4419% | 5,384 |
| Return on Equity (ROE) | 4.5976% | 4,835 |
| Retained earnings to average equity (ytd only) | 4.5976% | 2,882 |
| Net charge-offs to loans | 1.1741% | 458 |
| Credit loss provision to net charge-offs | 1.7712% | 4,688 |
| Earnings coverage of net charge-offs (x) | 0.6166% | 4,877 |
| Efficiency ratio | 88.1357% | 1,198 |
| Assets per employee ($millions) | 3.4982% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7727% | 622 |
| Loan loss allowance to noncurrent loans | 90.9581% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 4.2422% | 609 |
| Noncurrent loans to loans | 3.0483% | 1,135 |
| Net loans and leases to total assets | 68.9411% | 2,186 |
| Net loans and leases to deposits | 87.3959% | 1,534 |
| Net loans and leases to core deposits | 92.8855% | 1,686 |
| Total domestic deposits to total assets | 78.8837% | 5,675 |
| Equity capital to assets | 10.1899% | 3,520 |
| Core capital (leverage) ratio | 9.5761% | 4,144 |
| Tier 1 risk-based capital ratio | 12.2123% | 5,487 |
| Total risk-based capital ratio | 13.4777% | 5,404 |
| Memoranda: | ||
| Average total assets | $1,689,679,400 | 409 |
| Average earning assets | $1,483,748,400 | 419 |
| Average equity | $165,131,200 | 452 |
| Average total loans | $1,202,197,000 | 372 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 3,068 |
| Cost of funding earning assets | 0.6770% | 2,120 |
| Net interest margin | 3.6056% | 3,420 |
| Noninterest income to average assets | 1.4713% | 681 |
| Noninterest expense to average assets | 4.0335% | 821 |
| Loan and lease loss provision to assets | 0.0391% | 4,226 |
| Net operating income to assets | 0.5544% | 4,561 |
| Return on assets (ROA) | 0.4778% | 5,054 |
| Pretax return on assets | 0.4886% | 5,388 |
| Return on Equity (ROE) | 4.9399% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.9399% | 3,125 |
| Net charge-offs to loans | 1.2785% | 418 |
| Credit loss provision to net charge-offs | 4.2959% | 4,287 |
| Earnings coverage of net charge-offs (x) | 0.6625% | 4,627 |
| Efficiency ratio | 86.3657% | 1,333 |
| Assets per employee ($millions) | 3.4881% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0220% | 541 |
| Loan loss allowance to noncurrent loans | 81.0440% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 4.7649% | 610 |
| Noncurrent loans to loans | 3.7288% | 990 |
| Net loans and leases to total assets | 67.4987% | 2,374 |
| Net loans and leases to deposits | 85.1632% | 1,721 |
| Net loans and leases to core deposits | 90.4142% | 1,929 |
| Total domestic deposits to total assets | 79.2580% | 5,685 |
| Equity capital to assets | 10.0495% | 3,830 |
| Core capital (leverage) ratio | 9.3063% | 4,686 |
| Tier 1 risk-based capital ratio | 11.8553% | 5,874 |
| Total risk-based capital ratio | 13.1227% | 5,805 |
| Memoranda: | ||
| Average total assets | $1,704,556,750 | 408 |
| Average earning assets | $1,496,403,250 | 415 |
| Average equity | $164,886,000 | 457 |
| Average total loans | $1,213,769,500 | 368 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 3,053 |
| Cost of funding earning assets | 0.6981% | 2,075 |
| Net interest margin | 3.5775% | 3,460 |
| Noninterest income to average assets | 1.3231% | 889 |
| Noninterest expense to average assets | 4.0182% | 842 |
| Loan and lease loss provision to assets | 0.0581% | 3,847 |
| Net operating income to assets | 0.3817% | 5,286 |
| Return on assets (ROA) | 0.2773% | 5,813 |
| Pretax return on assets | 0.2918% | 5,898 |
| Return on Equity (ROE) | 2.9028% | 5,663 |
| Retained earnings to average equity (ytd only) | 2.9028% | 4,464 |
| Net charge-offs to loans | 1.8169% | 257 |
| Credit loss provision to net charge-offs | 4.4575% | 3,963 |
| Earnings coverage of net charge-offs (x) | 0.3468% | 4,425 |
| Efficiency ratio | 88.9446% | 1,137 |
| Assets per employee ($millions) | 3.4136% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9327% | 629 |
| Loan loss allowance to noncurrent loans | 58.8182% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 5.2725% | 560 |
| Noncurrent loans to loans | 4.9860% | 649 |
| Net loans and leases to total assets | 68.5317% | 2,143 |
| Net loans and leases to deposits | 86.2566% | 1,551 |
| Net loans and leases to core deposits | 91.5728% | 1,754 |
| Total domestic deposits to total assets | 79.4509% | 5,725 |
| Equity capital to assets | 9.5511% | 4,517 |
| Core capital (leverage) ratio | 8.8505% | 5,224 |
| Tier 1 risk-based capital ratio | 11.2489% | 6,226 |
| Total risk-based capital ratio | 12.5158% | 6,184 |
| Memoranda: | ||
| Average total assets | $1,721,624,670 | 400 |
| Average earning assets | $1,514,475,330 | 412 |
| Average equity | $164,463,670 | 461 |
| Average total loans | $1,234,770,330 | 357 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2506% | 3,101 |
| Cost of funding earning assets | 0.7133% | 2,107 |
| Net interest margin | 3.5373% | 3,537 |
| Noninterest income to average assets | 1.1713% | 1,093 |
| Noninterest expense to average assets | 3.7140% | 1,225 |
| Loan and lease loss provision to assets | -0.0335% | 6,770 |
| Net operating income to assets | 0.6028% | 4,197 |
| Return on assets (ROA) | 0.3041% | 5,677 |
| Pretax return on assets | 0.3041% | 5,840 |
| Return on Equity (ROE) | 3.1828% | 5,502 |
| Retained earnings to average equity (ytd only) | 3.1828% | 4,350 |
| Net charge-offs to loans | 1.5118% | 358 |
| Credit loss provision to net charge-offs | -3.0642% | 4,949 |
| Earnings coverage of net charge-offs (x) | 0.5211% | 3,645 |
| Efficiency ratio | 85.7266% | 1,545 |
| Assets per employee ($millions) | 3.4159% | 5,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3549% | 474 |
| Loan loss allowance to noncurrent loans | 54.6357% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 6.1391% | 516 |
| Noncurrent loans to loans | 6.1404% | 535 |
| Net loans and leases to total assets | 68.6676% | 1,897 |
| Net loans and leases to deposits | 86.3782% | 1,312 |
| Net loans and leases to core deposits | 92.3533% | 1,472 |
| Total domestic deposits to total assets | 79.4965% | 5,872 |
| Equity capital to assets | 9.6449% | 4,645 |
| Core capital (leverage) ratio | 8.7516% | 5,256 |
| Tier 1 risk-based capital ratio | 10.6644% | 6,535 |
| Total risk-based capital ratio | 11.9349% | 6,492 |
| Memoranda: | ||
| Average total assets | $1,732,457,000 | 404 |
| Average earning assets | $1,524,219,000 | 413 |
| Average equity | $165,513,000 | 464 |
| Average total loans | $1,252,051,000 | 352 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4022% | 3,802 |
| Cost of funding earning assets | 0.8506% | 2,285 |
| Net interest margin | 3.5516% | 4,293 |
| Noninterest income to average assets | 0.3643% | 4,875 |
| Noninterest expense to average assets | 3.9761% | 1,004 |
| Loan and lease loss provision to assets | 0.8064% | 600 |
| Net operating income to assets | -1.3326% | 6,827 |
| Return on assets (ROA) | -1.5063% | 6,868 |
| Pretax return on assets | -1.5063% | 6,848 |
| Return on Equity (ROE) | -18.4384% | 6,859 |
| Retained earnings to average equity (ytd only) | -18.4384% | 6,819 |
| Net charge-offs to loans | 3.1289% | 150 |
| Credit loss provision to net charge-offs | 36.2126% | 5,003 |
| Earnings coverage of net charge-offs (x) | -0.2363% | 5,586 |
| Efficiency ratio | 114.0846% | 276 |
| Assets per employee ($millions) | 3.4866% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5847% | 398 |
| Loan loss allowance to noncurrent loans | 48.7539% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 7.0925% | 433 |
| Noncurrent loans to loans | 7.3526% | 419 |
| Net loans and leases to total assets | 70.8402% | 1,676 |
| Net loans and leases to deposits | 88.7623% | 1,191 |
| Net loans and leases to core deposits | 95.1328% | 1,379 |
| Total domestic deposits to total assets | 79.8089% | 5,716 |
| Equity capital to assets | 9.4636% | 4,919 |
| Core capital (leverage) ratio | 8.5303% | 5,566 |
| Tier 1 risk-based capital ratio | 10.4645% | 6,566 |
| Total risk-based capital ratio | 11.7390% | 6,530 |
| Memoranda: | ||
| Average total assets | $1,805,535,000 | 384 |
| Average earning assets | $1,568,600,600 | 395 |
| Average equity | $147,501,600 | 493 |
| Average total loans | $1,285,021,000 | 340 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4259% | 3,941 |
| Cost of funding earning assets | 0.8826% | 2,289 |
| Net interest margin | 3.5433% | 4,475 |
| Noninterest income to average assets | 0.4586% | 4,222 |
| Noninterest expense to average assets | 3.8202% | 1,172 |
| Loan and lease loss provision to assets | 1.0232% | 394 |
| Net operating income to assets | -1.3143% | 6,929 |
| Return on assets (ROA) | -1.4661% | 6,972 |
| Pretax return on assets | -1.4661% | 6,949 |
| Return on Equity (ROE) | -18.6535% | 6,974 |
| Retained earnings to average equity (ytd only) | -18.6535% | 6,955 |
| Net charge-offs to loans | 3.4639% | 133 |
| Credit loss provision to net charge-offs | 41.8263% | 4,578 |
| Earnings coverage of net charge-offs (x) | -0.1190% | 5,387 |
| Efficiency ratio | 107.1181% | 358 |
| Assets per employee ($millions) | 3.5121% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1594% | 269 |
| Loan loss allowance to noncurrent loans | 47.3889% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 8.5499% | 337 |
| Noncurrent loans to loans | 8.7772% | 328 |
| Net loans and leases to total assets | 68.1233% | 2,274 |
| Net loans and leases to deposits | 84.9482% | 1,735 |
| Net loans and leases to core deposits | 90.2286% | 1,959 |
| Total domestic deposits to total assets | 80.1939% | 5,603 |
| Equity capital to assets | 9.2731% | 5,505 |
| Core capital (leverage) ratio | 8.3696% | 5,925 |
| Tier 1 risk-based capital ratio | 10.4787% | 6,673 |
| Total risk-based capital ratio | 11.7596% | 6,646 |
| Memoranda: | ||
| Average total assets | $1,821,097,500 | 384 |
| Average earning assets | $1,578,029,750 | 388 |
| Average equity | $143,132,750 | 503 |
| Average total loans | $1,286,060,750 | 342 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4947% | 3,793 |
| Cost of funding earning assets | 0.9213% | 2,249 |
| Net interest margin | 3.5734% | 4,371 |
| Noninterest income to average assets | 0.4784% | 4,069 |
| Noninterest expense to average assets | 3.6754% | 1,423 |
| Loan and lease loss provision to assets | 1.2519% | 323 |
| Net operating income to assets | -1.3578% | 6,990 |
| Return on assets (ROA) | -1.4887% | 7,031 |
| Pretax return on assets | -1.4887% | 7,003 |
| Return on Equity (ROE) | -20.0944% | 7,038 |
| Retained earnings to average equity (ytd only) | -20.0944% | 7,014 |
| Net charge-offs to loans | 3.5680% | 146 |
| Credit loss provision to net charge-offs | 49.7861% | 4,042 |
| Earnings coverage of net charge-offs (x) | -0.0421% | 5,105 |
| Efficiency ratio | 101.8601% | 503 |
| Assets per employee ($millions) | 3.6058% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7609% | 196 |
| Loan loss allowance to noncurrent loans | 51.0836% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 9.1602% | 325 |
| Noncurrent loans to loans | 9.3199% | 308 |
| Net loans and leases to total assets | 67.5915% | 2,346 |
| Net loans and leases to deposits | 83.6328% | 1,905 |
| Net loans and leases to core deposits | 89.0457% | 2,093 |
| Total domestic deposits to total assets | 80.8194% | 5,525 |
| Equity capital to assets | 8.7073% | 6,020 |
| Core capital (leverage) ratio | 7.6263% | 6,554 |
| Tier 1 risk-based capital ratio | 9.9028% | 6,847 |
| Total risk-based capital ratio | 11.1909% | 6,826 |
| Memoranda: | ||
| Average total assets | $1,840,440,330 | 381 |
| Average earning assets | $1,592,045,670 | 387 |
| Average equity | $136,346,670 | 530 |
| Average total loans | $1,297,019,330 | 342 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 3,765 |
| Cost of funding earning assets | 0.9552% | 2,267 |
| Net interest margin | 3.5827% | 4,341 |
| Noninterest income to average assets | 0.6317% | 3,047 |
| Noninterest expense to average assets | 3.7021% | 1,371 |
| Loan and lease loss provision to assets | 1.5905% | 214 |
| Net operating income to assets | -1.5659% | 7,101 |
| Return on assets (ROA) | -1.6731% | 7,126 |
| Pretax return on assets | -1.6731% | 7,102 |
| Return on Equity (ROE) | -24.6284% | 7,143 |
| Retained earnings to average equity (ytd only) | -24.6284% | 7,096 |
| Net charge-offs to loans | 4.0492% | 141 |
| Credit loss provision to net charge-offs | 55.9225% | 3,183 |
| Earnings coverage of net charge-offs (x) | 0.0086% | 4,365 |
| Efficiency ratio | 98.2986% | 622 |
| Assets per employee ($millions) | 3.8186% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1200% | 158 |
| Loan loss allowance to noncurrent loans | 54.2615% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 9.6799% | 322 |
| Noncurrent loans to loans | 9.4358% | 336 |
| Net loans and leases to total assets | 65.8648% | 2,493 |
| Net loans and leases to deposits | 79.0972% | 2,329 |
| Net loans and leases to core deposits | 85.2157% | 2,381 |
| Total domestic deposits to total assets | 83.2706% | 4,824 |
| Equity capital to assets | 6.6547% | 6,985 |
| Core capital (leverage) ratio | 5.7235% | 7,064 |
| Tier 1 risk-based capital ratio | 7.5583% | 7,105 |
| Total risk-based capital ratio | 8.8499% | 7,107 |
| Memoranda: | ||
| Average total assets | $1,873,631,000 | 374 |
| Average earning assets | $1,618,575,000 | 379 |
| Average equity | $127,284,000 | 561 |
| Average total loans | $1,316,001,000 | 335 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4214% | 5,339 |
| Cost of funding earning assets | 1.1898% | 2,092 |
| Net interest margin | 3.2316% | 6,009 |
| Noninterest income to average assets | 0.0394% | 6,879 |
| Noninterest expense to average assets | 4.0435% | 972 |
| Loan and lease loss provision to assets | 2.9573% | 128 |
| Net operating income to assets | -4.2154% | 7,264 |
| Return on assets (ROA) | -4.1909% | 7,270 |
| Pretax return on assets | -4.0982% | 7,275 |
| Return on Equity (ROE) | -58.8048% | 7,239 |
| Retained earnings to average equity (ytd only) | -58.8048% | 7,239 |
| Net charge-offs to loans | 9.6372% | 8 |
| Credit loss provision to net charge-offs | 45.3375% | 5,525 |
| Earnings coverage of net charge-offs (x) | -0.1787% | 5,945 |
| Efficiency ratio | 138.7267% | 186 |
| Assets per employee ($millions) | 3.8365% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3048% | 148 |
| Loan loss allowance to noncurrent loans | 57.0656% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 9.7789% | 348 |
| Noncurrent loans to loans | 9.2960% | 369 |
| Net loans and leases to total assets | 67.2668% | 2,523 |
| Net loans and leases to deposits | 80.7788% | 2,394 |
| Net loans and leases to core deposits | 89.5252% | 2,193 |
| Total domestic deposits to total assets | 83.2728% | 4,635 |
| Equity capital to assets | 6.9285% | 6,981 |
| Core capital (leverage) ratio | 5.8004% | 7,077 |
| Tier 1 risk-based capital ratio | 7.9308% | 7,112 |
| Total risk-based capital ratio | 9.2262% | 7,110 |
| Memoranda: | ||
| Average total assets | $2,273,659,400 | 309 |
| Average earning assets | $1,997,218,000 | 307 |
| Average equity | $162,037,800 | 438 |
| Average total loans | $1,538,940,000 | 295 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 5,646 |
| Cost of funding earning assets | 1.2485% | 2,007 |
| Net interest margin | 3.1400% | 6,314 |
| Noninterest income to average assets | 0.1224% | 6,650 |
| Noninterest expense to average assets | 4.0252% | 981 |
| Loan and lease loss provision to assets | 2.9929% | 111 |
| Net operating income to assets | -4.2472% | 7,347 |
| Return on assets (ROA) | -4.2067% | 7,346 |
| Pretax return on assets | -4.0880% | 7,340 |
| Return on Equity (ROE) | -58.6994% | 7,316 |
| Retained earnings to average equity (ytd only) | -58.6994% | 7,313 |
| Net charge-offs to loans | 10.6305% | 12 |
| Credit loss provision to net charge-offs | 42.0122% | 5,199 |
| Earnings coverage of net charge-offs (x) | -0.1594% | 5,702 |
| Efficiency ratio | 137.4915% | 192 |
| Assets per employee ($millions) | 4.2904% | 3,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5456% | 131 |
| Loan loss allowance to noncurrent loans | 48.9677% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 10.4934% | 333 |
| Noncurrent loans to loans | 11.3249% | 272 |
| Net loans and leases to total assets | 62.4515% | 3,620 |
| Net loans and leases to deposits | 74.2161% | 3,630 |
| Net loans and leases to core deposits | 82.3460% | 3,271 |
| Total domestic deposits to total assets | 84.1481% | 4,157 |
| Equity capital to assets | 7.0776% | 7,041 |
| Core capital (leverage) ratio | 6.0625% | 7,128 |
| Tier 1 risk-based capital ratio | 8.7383% | 7,140 |
| Total risk-based capital ratio | 10.0358% | 7,141 |
| Memoranda: | ||
| Average total assets | $2,367,309,000 | 297 |
| Average earning assets | $2,086,201,750 | 300 |
| Average equity | $169,653,250 | 424 |
| Average total loans | $1,586,425,250 | 284 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 5,636 |
| Cost of funding earning assets | 1.2908% | 2,001 |
| Net interest margin | 3.1243% | 6,358 |
| Noninterest income to average assets | 0.3221% | 5,318 |
| Noninterest expense to average assets | 4.1175% | 897 |
| Loan and lease loss provision to assets | 2.9183% | 161 |
| Net operating income to assets | -3.9553% | 7,389 |
| Return on assets (ROA) | -3.9580% | 7,391 |
| Pretax return on assets | -3.9580% | 7,386 |
| Return on Equity (ROE) | -55.0271% | 7,357 |
| Retained earnings to average equity (ytd only) | -55.0271% | 7,354 |
| Net charge-offs to loans | 11.8999% | 11 |
| Credit loss provision to net charge-offs | 36.4513% | 4,878 |
| Earnings coverage of net charge-offs (x) | -0.1295% | 5,367 |
| Efficiency ratio | 131.8832% | 242 |
| Assets per employee ($millions) | 3.7909% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9808% | 95 |
| Loan loss allowance to noncurrent loans | 52.7949% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 10.2939% | 369 |
| Noncurrent loans to loans | 11.3284% | 297 |
| Net loans and leases to total assets | 61.7396% | 3,943 |
| Net loans and leases to deposits | 73.6898% | 3,850 |
| Net loans and leases to core deposits | 88.9003% | 2,514 |
| Total domestic deposits to total assets | 83.7831% | 4,439 |
| Equity capital to assets | 7.5158% | 6,941 |
| Core capital (leverage) ratio | 6.5499% | 7,115 |
| Tier 1 risk-based capital ratio | 9.4553% | 7,111 |
| Total risk-based capital ratio | 10.7599% | 7,106 |
| Memoranda: | ||
| Average total assets | $2,435,630,000 | 289 |
| Average earning assets | $2,150,367,670 | 296 |
| Average equity | $175,190,000 | 414 |
| Average total loans | $1,638,666,330 | 283 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 5,726 |
| Cost of funding earning assets | 1.3263% | 2,031 |
| Net interest margin | 3.0649% | 6,431 |
| Noninterest income to average assets | 0.2212% | 6,152 |
| Noninterest expense to average assets | 4.3896% | 658 |
| Loan and lease loss provision to assets | 3.4316% | 130 |
| Net operating income to assets | -4.8915% | 7,486 |
| Return on assets (ROA) | -4.8942% | 7,487 |
| Pretax return on assets | -4.8942% | 7,478 |
| Return on Equity (ROE) | -69.4848% | 7,466 |
| Retained earnings to average equity (ytd only) | -69.4848% | 7,458 |
| Net charge-offs to loans | 15.9421% | 11 |
| Credit loss provision to net charge-offs | 31.6444% | 4,091 |
| Earnings coverage of net charge-offs (x) | -0.1346% | 4,662 |
| Efficiency ratio | 148.0059% | 174 |
| Assets per employee ($millions) | 3.4213% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5513% | 78 |
| Loan loss allowance to noncurrent loans | 56.3103% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 10.6428% | 359 |
| Noncurrent loans to loans | 11.6344% | 300 |
| Net loans and leases to total assets | 62.6966% | 3,720 |
| Net loans and leases to deposits | 74.4231% | 3,695 |
| Net loans and leases to core deposits | 85.9960% | 2,874 |
| Total domestic deposits to total assets | 84.2434% | 4,392 |
| Equity capital to assets | 6.9776% | 7,090 |
| Core capital (leverage) ratio | 6.0806% | 7,236 |
| Tier 1 risk-based capital ratio | 8.7913% | 7,239 |
| Total risk-based capital ratio | 10.1025% | 7,239 |
| Memoranda: | ||
| Average total assets | $2,499,102,000 | 287 |
| Average earning assets | $2,208,474,500 | 290 |
| Average equity | $176,027,000 | 405 |
| Average total loans | $1,699,976,500 | 273 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 6,081 |
| Cost of funding earning assets | 1.6323% | 1,904 |
| Net interest margin | 2.9770% | 6,779 |
| Noninterest income to average assets | 0.5612% | 3,737 |
| Noninterest expense to average assets | 3.2854% | 2,779 |
| Loan and lease loss provision to assets | 7.8769% | 17 |
| Net operating income to assets | -7.8586% | 7,615 |
| Return on assets (ROA) | -7.8957% | 7,618 |
| Pretax return on assets | -7.9657% | 7,621 |
| Return on Equity (ROE) | -142.1910% | 7,633 |
| Retained earnings to average equity (ytd only) | -142.1910% | 7,633 |
| Net charge-offs to loans | 9.0816% | 19 |
| Credit loss provision to net charge-offs | 112.9463% | 3,864 |
| Earnings coverage of net charge-offs (x) | -0.0074% | 6,135 |
| Efficiency ratio | 100.0386% | 774 |
| Assets per employee ($millions) | 3.3629% | 5,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5888% | 33 |
| Loan loss allowance to noncurrent loans | 62.0294% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 11.7694% | 292 |
| Noncurrent loans to loans | 13.8464% | 201 |
| Net loans and leases to total assets | 62.9795% | 4,077 |
| Net loans and leases to deposits | 74.4617% | 4,123 |
| Net loans and leases to core deposits | 84.7436% | 3,487 |
| Total domestic deposits to total assets | 84.5798% | 4,064 |
| Equity capital to assets | 7.1055% | 7,076 |
| Core capital (leverage) ratio | 6.2449% | 7,254 |
| Tier 1 risk-based capital ratio | 9.8754% | 7,027 |
| Total risk-based capital ratio | 11.2222% | 6,980 |
| Memoranda: | ||
| Average total assets | $2,645,093,600 | 268 |
| Average earning assets | $2,374,506,200 | 269 |
| Average equity | $146,879,200 | 466 |
| Average total loans | $2,031,259,200 | 238 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6649% | 6,141 |
| Cost of funding earning assets | 1.6908% | 1,921 |
| Net interest margin | 2.9741% | 6,881 |
| Noninterest income to average assets | 0.6973% | 2,828 |
| Noninterest expense to average assets | 3.1429% | 3,132 |
| Loan and lease loss provision to assets | 9.0643% | 11 |
| Net operating income to assets | -8.7408% | 7,736 |
| Return on assets (ROA) | -8.7699% | 7,736 |
| Pretax return on assets | -8.8634% | 7,734 |
| Return on Equity (ROE) | -169.4095% | 7,739 |
| Retained earnings to average equity (ytd only) | -169.4095% | 7,739 |
| Net charge-offs to loans | 9.6135% | 26 |
| Credit loss provision to net charge-offs | 119.7958% | 3,445 |
| Earnings coverage of net charge-offs (x) | 0.0304% | 6,000 |
| Efficiency ratio | 91.6918% | 1,155 |
| Assets per employee ($millions) | 4.4127% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2281% | 36 |
| Loan loss allowance to noncurrent loans | 46.6695% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 13.6424% | 205 |
| Noncurrent loans to loans | 17.6307% | 110 |
| Net loans and leases to total assets | 64.0572% | 4,118 |
| Net loans and leases to deposits | 75.3712% | 4,286 |
| Net loans and leases to core deposits | 87.1057% | 3,506 |
| Total domestic deposits to total assets | 84.9890% | 3,622 |
| Equity capital to assets | 7.0625% | 7,323 |
| Core capital (leverage) ratio | 6.8054% | 7,248 |
| Tier 1 risk-based capital ratio | 9.9120% | 7,108 |
| Total risk-based capital ratio | 11.2581% | 7,052 |
| Memoranda: | ||
| Average total assets | $2,661,529,500 | 263 |
| Average earning assets | $2,394,408,750 | 266 |
| Average equity | $137,780,250 | 494 |
| Average total loans | $2,094,800,250 | 230 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8693% | 5,539 |
| Cost of funding earning assets | 1.7569% | 1,835 |
| Net interest margin | 3.1124% | 6,572 |
| Noninterest income to average assets | 0.6689% | 2,902 |
| Noninterest expense to average assets | 3.0579% | 3,487 |
| Loan and lease loss provision to assets | 7.5301% | 33 |
| Net operating income to assets | -6.9627% | 7,772 |
| Return on assets (ROA) | -6.9754% | 7,776 |
| Pretax return on assets | -7.1322% | 7,767 |
| Return on Equity (ROE) | -154.4600% | 7,780 |
| Retained earnings to average equity (ytd only) | -154.4600% | 7,780 |
| Net charge-offs to loans | 5.4313% | 173 |
| Credit loss provision to net charge-offs | 169.4328% | 2,309 |
| Earnings coverage of net charge-offs (x) | 0.0924% | 5,633 |
| Efficiency ratio | 86.6986% | 1,630 |
| Assets per employee ($millions) | 4.2088% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1966% | 34 |
| Loan loss allowance to noncurrent loans | 53.0700% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 13.4926% | 197 |
| Noncurrent loans to loans | 15.4448% | 155 |
| Net loans and leases to total assets | 73.6149% | 1,999 |
| Net loans and leases to deposits | 83.0147% | 3,075 |
| Net loans and leases to core deposits | 98.3619% | 2,190 |
| Total domestic deposits to total assets | 88.6769% | 1,619 |
| Equity capital to assets | 2.8016% | 7,764 |
| Core capital (leverage) ratio | 1.9855% | 7,780 |
| Tier 1 risk-based capital ratio | 2.7399% | 7,781 |
| Total risk-based capital ratio | 4.0852% | 7,780 |
| Memoranda: | ||
| Average total assets | $2,627,921,000 | 271 |
| Average earning assets | $2,363,808,000 | 268 |
| Average equity | $118,676,670 | 559 |
| Average total loans | $2,150,354,670 | 228 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1570% | 4,263 |
| Cost of funding earning assets | 1.7314% | 2,224 |
| Net interest margin | 3.4256% | 5,478 |
| Noninterest income to average assets | 0.7026% | 2,581 |
| Noninterest expense to average assets | 2.8995% | 4,064 |
| Loan and lease loss provision to assets | 6.8517% | 87 |
| Net operating income to assets | -5.9447% | 7,817 |
| Return on assets (ROA) | -5.9442% | 7,820 |
| Pretax return on assets | -5.9559% | 7,801 |
| Return on Equity (ROE) | -111.1506% | 7,842 |
| Retained earnings to average equity (ytd only) | -111.1506% | 7,839 |
| Net charge-offs to loans | 4.9204% | 248 |
| Credit loss provision to net charge-offs | 168.5364% | 2,161 |
| Earnings coverage of net charge-offs (x) | 0.2202% | 4,842 |
| Efficiency ratio | 75.5074% | 3,301 |
| Assets per employee ($millions) | 4.2604% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8656% | 62 |
| Loan loss allowance to noncurrent loans | 60.2201% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 10.1137% | 389 |
| Noncurrent loans to loans | 11.4008% | 330 |
| Net loans and leases to total assets | 75.1303% | 1,708 |
| Net loans and leases to deposits | 86.2705% | 2,537 |
| Net loans and leases to core deposits | 117.3845% | 892 |
| Total domestic deposits to total assets | 87.0868% | 2,584 |
| Equity capital to assets | 4.6126% | 7,751 |
| Core capital (leverage) ratio | 3.8400% | 7,789 |
| Tier 1 risk-based capital ratio | 4.9761% | 7,801 |
| Total risk-based capital ratio | 6.2986% | 7,799 |
| Memoranda: | ||
| Average total assets | $2,653,995,500 | 281 |
| Average earning assets | $2,395,745,500 | 277 |
| Average equity | $141,933,500 | 480 |
| Average total loans | $2,192,808,500 | 235 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6039% | 3,585 |
| Cost of funding earning assets | 1.4877% | 5,559 |
| Net interest margin | 4.1162% | 2,381 |
| Noninterest income to average assets | 0.6211% | 3,480 |
| Noninterest expense to average assets | 4.8103% | 603 |
| Loan and lease loss provision to assets | 4.8037% | 218 |
| Net operating income to assets | -6.3179% | 7,852 |
| Return on assets (ROA) | -6.1641% | 7,837 |
| Pretax return on assets | -5.2165% | 7,732 |
| Return on Equity (ROE) | -57.6451% | 7,745 |
| Retained earnings to average equity (ytd only) | -57.6451% | 7,738 |
| Net charge-offs to loans | 2.2180% | 1,069 |
| Credit loss provision to net charge-offs | 254.7023% | 1,383 |
| Earnings coverage of net charge-offs (x) | -0.3004% | 6,550 |
| Efficiency ratio | 62.9981% | 5,970 |
| Assets per employee ($millions) | 4.5060% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7451% | 114 |
| Loan loss allowance to noncurrent loans | 52.8745% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 9.4920% | 413 |
| Noncurrent loans to loans | 10.8655% | 351 |
| Net loans and leases to total assets | 79.7244% | 1,043 |
| Net loans and leases to deposits | 93.3356% | 1,686 |
| Net loans and leases to core deposits | 121.6654% | 1,812 |
| Total domestic deposits to total assets | 85.4169% | 3,344 |
| Equity capital to assets | 6.0858% | 7,654 |
| Core capital (leverage) ratio | 5.0921% | 7,757 |
| Tier 1 risk-based capital ratio | 6.5267% | 7,791 |
| Total risk-based capital ratio | 7.8345% | 7,787 |
| Memoranda: | ||
| Average total assets | $2,750,710,600 | 270 |
| Average earning assets | $2,420,873,000 | 274 |
| Average equity | $294,138,000 | 257 |
| Average total loans | $2,339,006,600 | 227 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7252% | 3,212 |
| Cost of funding earning assets | 1.6427% | 5,196 |
| Net interest margin | 4.0825% | 2,469 |
| Noninterest income to average assets | 0.7492% | 2,715 |
| Noninterest expense to average assets | 2.7489% | 5,111 |
| Loan and lease loss provision to assets | 3.2245% | 430 |
| Net operating income to assets | -1.0171% | 6,848 |
| Return on assets (ROA) | -0.9356% | 6,793 |
| Pretax return on assets | -1.5310% | 6,983 |
| Return on Equity (ROE) | -7.9339% | 6,723 |
| Retained earnings to average equity (ytd only) | -7.9339% | 6,595 |
| Net charge-offs to loans | 1.1244% | 1,787 |
| Credit loss provision to net charge-offs | 336.8471% | 1,222 |
| Earnings coverage of net charge-offs (x) | 1.6361% | 4,565 |
| Efficiency ratio | 62.0278% | 6,094 |
| Assets per employee ($millions) | 4.4147% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1499% | 268 |
| Loan loss allowance to noncurrent loans | 55.0400% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 6.7701% | 722 |
| Noncurrent loans to loans | 7.5397% | 683 |
| Net loans and leases to total assets | 82.0781% | 797 |
| Net loans and leases to deposits | 105.3883% | 686 |
| Net loans and leases to core deposits | 145.7087% | 702 |
| Total domestic deposits to total assets | 77.8815% | 6,119 |
| Equity capital to assets | 11.6275% | 2,487 |
| Core capital (leverage) ratio | 8.5699% | 5,350 |
| Tier 1 risk-based capital ratio | 9.7996% | 7,138 |
| Total risk-based capital ratio | 11.0849% | 7,070 |
| Memoranda: | ||
| Average total assets | $2,776,010,500 | 280 |
| Average earning assets | $2,424,698,000 | 287 |
| Average equity | $327,361,750 | 242 |
| Average total loans | $2,363,494,000 | 236 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7337% | 3,376 |
| Cost of funding earning assets | 1.7091% | 5,223 |
| Net interest margin | 4.0245% | 2,600 |
| Noninterest income to average assets | 0.7870% | 2,478 |
| Noninterest expense to average assets | 2.6771% | 5,466 |
| Loan and lease loss provision to assets | 2.3995% | 660 |
| Net operating income to assets | -0.4646% | 6,514 |
| Return on assets (ROA) | -0.4646% | 6,521 |
| Pretax return on assets | -0.7762% | 6,668 |
| Return on Equity (ROE) | -3.9222% | 6,471 |
| Retained earnings to average equity (ytd only) | -3.9222% | 6,124 |
| Net charge-offs to loans | 0.0834% | 5,372 |
| Credit loss provision to net charge-offs | 3,387.4119% | 142 |
| Earnings coverage of net charge-offs (x) | 22.9164% | 1,203 |
| Efficiency ratio | 61.0062% | 6,398 |
| Assets per employee ($millions) | 4.3950% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4016% | 410 |
| Loan loss allowance to noncurrent loans | 63.5359% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 4.8432% | 1,126 |
| Noncurrent loans to loans | 5.3538% | 1,101 |
| Net loans and leases to total assets | 82.6892% | 828 |
| Net loans and leases to deposits | 111.1391% | 514 |
| Net loans and leases to core deposits | 143.1595% | 879 |
| Total domestic deposits to total assets | 74.4015% | 6,891 |
| Equity capital to assets | 11.6768% | 2,399 |
| Core capital (leverage) ratio | 8.5830% | 5,289 |
| Tier 1 risk-based capital ratio | 9.5634% | 7,338 |
| Total risk-based capital ratio | 10.8388% | 7,272 |
| Memoranda: | ||
| Average total assets | $2,803,682,330 | 280 |
| Average earning assets | $2,447,549,330 | 292 |
| Average equity | $332,106,000 | 241 |
| Average total loans | $2,382,640,000 | 242 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1990% | 1,606 |
| Cost of funding earning assets | 2.0168% | 4,050 |
| Net interest margin | 4.1822% | 1,968 |
| Noninterest income to average assets | 0.6413% | 3,260 |
| Noninterest expense to average assets | 3.0309% | 3,629 |
| Loan and lease loss provision to assets | 0.2269% | 4,180 |
| Net operating income to assets | 0.8402% | 2,953 |
| Return on assets (ROA) | 0.8402% | 3,099 |
| Pretax return on assets | 1.2766% | 2,354 |
| Return on Equity (ROE) | 7.0891% | 3,559 |
| Retained earnings to average equity (ytd only) | 7.0891% | 2,177 |
| Net charge-offs to loans | 0.0447% | 4,851 |
| Credit loss provision to net charge-offs | 559.0164% | 1,004 |
| Earnings coverage of net charge-offs (x) | 37.0492% | 902 |
| Efficiency ratio | 66.8427% | 5,170 |
| Assets per employee ($millions) | 3.3845% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 4,529 |
| Loan loss allowance to noncurrent loans | 70.0553% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 1.8282% | 3,175 |
| Noncurrent loans to loans | 1.7682% | 3,614 |
| Net loans and leases to total assets | 89.8380% | 146 |
| Net loans and leases to deposits | 112.7226% | 491 |
| Net loans and leases to core deposits | 140.3858% | 1,085 |
| Total domestic deposits to total assets | 79.6983% | 5,469 |
| Equity capital to assets | 12.0602% | 2,223 |
| Core capital (leverage) ratio | 12.0070% | 1,898 |
| Tier 1 risk-based capital ratio | 13.2609% | 4,014 |
| Total risk-based capital ratio | 14.5020% | 3,941 |
| Memoranda: | ||
| Average total assets | $601,276,000 | 1,189 |
| Average earning assets | $559,702,000 | 1,166 |
| Average equity | $71,264,000 | 946 |
| Average total loans | $546,230,500 | 922 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6818% | 2,094 |
| Cost of funding earning assets | 2.6402% | 3,483 |
| Net interest margin | 4.0415% | 2,938 |
| Noninterest income to average assets | 0.6912% | 3,175 |
| Noninterest expense to average assets | 2.8000% | 4,814 |
| Loan and lease loss provision to assets | 0.2378% | 4,524 |
| Net operating income to assets | 0.9212% | 2,909 |
| Return on assets (ROA) | 0.9724% | 2,559 |
| Pretax return on assets | 1.4853% | 1,720 |
| Return on Equity (ROE) | 8.0142% | 3,072 |
| Retained earnings to average equity (ytd only) | -1.1246% | 5,633 |
| Net charge-offs to loans | -0.0018% | 7,739 |
| Credit loss provision to net charge-offs | -15,333.3333% | 7,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0020% | 5,774 |
| Assets per employee ($millions) | 3.3345% | 5,132 |
| Cash dividends to net income (ytd only)* | 114.0326% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 4,792 |
| Loan loss allowance to noncurrent loans | 142.9969% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.9170% | 4,549 |
| Noncurrent loans to loans | 0.8169% | 5,003 |
| Net loans and leases to total assets | 89.6680% | 218 |
| Net loans and leases to deposits | 111.6643% | 728 |
| Net loans and leases to core deposits | 136.9018% | 1,441 |
| Total domestic deposits to total assets | 80.3014% | 4,907 |
| Equity capital to assets | 11.6479% | 2,533 |
| Core capital (leverage) ratio | 11.7727% | 2,088 |
| Tier 1 risk-based capital ratio | 12.4282% | 4,488 |
| Total risk-based capital ratio | 13.5621% | 4,461 |
| Memoranda: | ||
| Average total assets | $580,423,200 | 1,159 |
| Average earning assets | $539,003,200 | 1,145 |
| Average equity | $70,424,600 | 944 |
| Average total loans | $510,561,400 | 937 |