Home > Yadkin Bank > Performance and Condition Ratios
Yadkin Bank, Performance and Condition Ratios
| 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 | 4.5597% | 1,383 |
| Cost of funding earning assets | 0.4193% | 2,810 |
| Net interest margin | 4.1404% | 1,275 |
| Noninterest income to average assets | 0.9282% | 1,328 |
| Noninterest expense to average assets | 2.9720% | 2,433 |
| Loan and lease loss provision to assets | 0.1570% | 1,587 |
| Net operating income to assets | 0.8887% | 2,883 |
| Return on assets (ROA) | 0.8846% | 3,025 |
| Pretax return on assets | 1.3957% | 1,955 |
| Return on Equity (ROE) | 6.0075% | 3,978 |
| Retained earnings to average equity (ytd only) | 3.2034% | 3,629 |
| Net charge-offs to loans | 0.1318% | 1,927 |
| Credit loss provision to net charge-offs | 165.7272% | 1,674 |
| Earnings coverage of net charge-offs (x) | 16.4623% | 2,108 |
| Efficiency ratio | 63.6579% | 4,004 |
| Assets per employee ($millions) | 6.2349% | 1,309 |
| Cash dividends to net income (ytd only)* | 46.6776% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2672% | 5,814 |
| Loan loss allowance to noncurrent loans | 28.6663% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 1.1629% | 1,571 |
| Noncurrent loans to loans | 0.9320% | 2,225 |
| Net loans and leases to total assets | 72.3934% | 2,112 |
| Net loans and leases to deposits | 100.0241% | 670 |
| Net loans and leases to core deposits | 120.6582% | 467 |
| Total domestic deposits to total assets | 72.3759% | 5,534 |
| Equity capital to assets | 15.3530% | 588 |
| Core capital (leverage) ratio | 10.5656% | 2,815 |
| Tier 1 risk-based capital ratio | 12.1365% | 4,636 |
| Total risk-based capital ratio | 12.4125% | 5,138 |
| Memoranda: | ||
| Average total assets | $6,780,883,000 | 165 |
| Average earning assets | $5,900,630,200 | 171 |
| Average equity | $998,513,400 | 141 |
| Average total loans | $4,874,048,600 | 161 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 1,374 |
| Cost of funding earning assets | 0.4118% | 2,914 |
| Net interest margin | 4.1521% | 1,244 |
| Noninterest income to average assets | 0.9683% | 1,217 |
| Noninterest expense to average assets | 3.0140% | 2,278 |
| Loan and lease loss provision to assets | 0.1433% | 1,630 |
| Net operating income to assets | 0.8958% | 2,925 |
| Return on assets (ROA) | 0.8983% | 3,054 |
| Pretax return on assets | 1.4266% | 1,945 |
| Return on Equity (ROE) | 6.1716% | 3,988 |
| Retained earnings to average equity (ytd only) | 2.6025% | 4,354 |
| Net charge-offs to loans | 0.1337% | 1,633 |
| Credit loss provision to net charge-offs | 149.4684% | 1,778 |
| Earnings coverage of net charge-offs (x) | 16.3381% | 2,120 |
| Efficiency ratio | 63.9084% | 3,947 |
| Assets per employee ($millions) | 6.2538% | 1,266 |
| Cash dividends to net income (ytd only)* | 57.8318% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2274% | 5,886 |
| Loan loss allowance to noncurrent loans | 30.0798% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 1.0886% | 1,881 |
| Noncurrent loans to loans | 0.7560% | 2,781 |
| Net loans and leases to total assets | 72.4961% | 2,116 |
| Net loans and leases to deposits | 100.2436% | 690 |
| Net loans and leases to core deposits | 122.1778% | 454 |
| Total domestic deposits to total assets | 72.3199% | 5,578 |
| Equity capital to assets | 15.0127% | 740 |
| Core capital (leverage) ratio | 10.1228% | 3,410 |
| Tier 1 risk-based capital ratio | 11.6006% | 5,032 |
| Total risk-based capital ratio | 11.8658% | 5,482 |
| Memoranda: | ||
| Average total assets | $6,672,659,250 | 169 |
| Average earning assets | $5,804,156,750 | 174 |
| Average equity | $971,259,750 | 145 |
| Average total loans | $4,783,489,250 | 165 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4827% | 1,571 |
| Cost of funding earning assets | 0.3962% | 3,083 |
| Net interest margin | 4.0865% | 1,398 |
| Noninterest income to average assets | 0.9347% | 1,275 |
| Noninterest expense to average assets | 3.0439% | 2,223 |
| Loan and lease loss provision to assets | 0.1294% | 1,767 |
| Net operating income to assets | 0.8483% | 3,103 |
| Return on assets (ROA) | 0.8521% | 3,207 |
| Pretax return on assets | 1.3286% | 2,294 |
| Return on Equity (ROE) | 5.9248% | 4,084 |
| Retained earnings to average equity (ytd only) | 1.6111% | 4,735 |
| Net charge-offs to loans | 0.1004% | 1,827 |
| Credit loss provision to net charge-offs | 180.7276% | 1,400 |
| Earnings coverage of net charge-offs (x) | 20.2733% | 1,733 |
| Efficiency ratio | 65.8238% | 3,704 |
| Assets per employee ($millions) | 6.0890% | 1,344 |
| Cash dividends to net income (ytd only)* | 72.8067% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2151% | 5,969 |
| Loan loss allowance to noncurrent loans | 23.4314% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 1.0821% | 1,959 |
| Noncurrent loans to loans | 0.9180% | 2,440 |
| Net loans and leases to total assets | 72.4102% | 2,104 |
| Net loans and leases to deposits | 101.0155% | 629 |
| Net loans and leases to core deposits | 123.5313% | 421 |
| Total domestic deposits to total assets | 71.6823% | 5,684 |
| Equity capital to assets | 14.6609% | 824 |
| Core capital (leverage) ratio | 9.8430% | 3,757 |
| Tier 1 risk-based capital ratio | 11.2083% | 5,310 |
| Total risk-based capital ratio | 11.4632% | 5,715 |
| Memoranda: | ||
| Average total assets | $6,447,491,330 | 174 |
| Average earning assets | $5,618,714,000 | 175 |
| Average equity | $927,293,330 | 149 |
| Average total loans | $4,598,228,000 | 171 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1996% | 2,475 |
| Cost of funding earning assets | 0.3705% | 3,392 |
| Net interest margin | 3.8290% | 2,188 |
| Noninterest income to average assets | 0.8268% | 1,533 |
| Noninterest expense to average assets | 3.0802% | 2,144 |
| Loan and lease loss provision to assets | 0.1262% | 1,683 |
| Net operating income to assets | 0.5846% | 4,251 |
| Return on assets (ROA) | 0.5902% | 4,341 |
| Pretax return on assets | 0.9565% | 3,638 |
| Return on Equity (ROE) | 4.1539% | 4,836 |
| Retained earnings to average equity (ytd only) | -4.3708% | 5,571 |
| Net charge-offs to loans | 0.1348% | 1,297 |
| Credit loss provision to net charge-offs | 132.6964% | 1,352 |
| Earnings coverage of net charge-offs (x) | 11.2951% | 1,871 |
| Efficiency ratio | 72.4432% | 2,732 |
| Assets per employee ($millions) | 5.5576% | 1,788 |
| Cash dividends to net income (ytd only)* | 205.2218% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1944% | 6,039 |
| Loan loss allowance to noncurrent loans | 23.8063% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 0.8277% | 2,623 |
| Noncurrent loans to loans | 0.8166% | 2,796 |
| Net loans and leases to total assets | 70.7926% | 2,220 |
| Net loans and leases to deposits | 98.0470% | 757 |
| Net loans and leases to core deposits | 120.0365% | 466 |
| Total domestic deposits to total assets | 72.2028% | 5,757 |
| Equity capital to assets | 14.4408% | 846 |
| Core capital (leverage) ratio | 13.2460% | 1,068 |
| Tier 1 risk-based capital ratio | 11.0079% | 5,496 |
| Total risk-based capital ratio | 11.2441% | 5,870 |
| Memoranda: | ||
| Average total assets | $5,944,795,500 | 184 |
| Average earning assets | $5,165,778,000 | 181 |
| Average equity | $844,611,000 | 160 |
| Average total loans | $4,193,201,500 | 178 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7573% | 996 |
| Cost of funding earning assets | 0.3947% | 3,215 |
| Net interest margin | 4.3626% | 855 |
| Noninterest income to average assets | 1.0179% | 1,139 |
| Noninterest expense to average assets | 2.9109% | 2,824 |
| Loan and lease loss provision to assets | 0.1441% | 1,644 |
| Net operating income to assets | 1.1049% | 1,903 |
| Return on assets (ROA) | 1.1049% | 1,967 |
| Pretax return on assets | 1.7448% | 904 |
| Return on Equity (ROE) | 7.7842% | 3,084 |
| Retained earnings to average equity (ytd only) | 1.2823% | 4,988 |
| Net charge-offs to loans | 0.1431% | 1,920 |
| Credit loss provision to net charge-offs | 145.4694% | 1,822 |
| Earnings coverage of net charge-offs (x) | 19.0722% | 1,972 |
| Efficiency ratio | 59.1555% | 5,012 |
| Assets per employee ($millions) | 5.4383% | 1,865 |
| Cash dividends to net income (ytd only)* | 83.5265% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3127% | 6,048 |
| Loan loss allowance to noncurrent loans | 30.0317% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 1.0710% | 2,044 |
| Noncurrent loans to loans | 1.0413% | 2,251 |
| Net loans and leases to total assets | 69.6618% | 2,420 |
| Net loans and leases to deposits | 93.9283% | 1,208 |
| Net loans and leases to core deposits | 115.4407% | 617 |
| Total domestic deposits to total assets | 74.1649% | 5,627 |
| Equity capital to assets | 13.8205% | 997 |
| Core capital (leverage) ratio | 10.3389% | 3,115 |
| Tier 1 risk-based capital ratio | 11.6397% | 5,168 |
| Total risk-based capital ratio | 11.9941% | 5,567 |
| Memoranda: | ||
| Average total assets | $4,334,365,200 | 215 |
| Average earning assets | $3,757,492,200 | 216 |
| Average equity | $615,204,600 | 183 |
| Average total loans | $3,000,123,400 | 214 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7412% | 1,026 |
| Cost of funding earning assets | 0.3954% | 3,270 |
| Net interest margin | 4.3458% | 879 |
| Noninterest income to average assets | 1.0219% | 1,134 |
| Noninterest expense to average assets | 2.9324% | 2,732 |
| Loan and lease loss provision to assets | 0.1095% | 2,054 |
| Net operating income to assets | 1.0892% | 2,060 |
| Return on assets (ROA) | 1.0908% | 2,132 |
| Pretax return on assets | 1.7454% | 1,003 |
| Return on Equity (ROE) | 7.6329% | 3,265 |
| Retained earnings to average equity (ytd only) | 0.1480% | 5,563 |
| Net charge-offs to loans | 0.1054% | 2,077 |
| Credit loss provision to net charge-offs | 150.3833% | 1,670 |
| Earnings coverage of net charge-offs (x) | 25.4450% | 1,666 |
| Efficiency ratio | 59.7618% | 4,917 |
| Assets per employee ($millions) | 5.2747% | 1,976 |
| Cash dividends to net income (ytd only)* | 98.0615% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2982% | 6,146 |
| Loan loss allowance to noncurrent loans | 24.2372% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 2,123 |
| Noncurrent loans to loans | 1.2305% | 2,077 |
| Net loans and leases to total assets | 69.0563% | 2,526 |
| Net loans and leases to deposits | 92.5994% | 1,348 |
| Net loans and leases to core deposits | 110.7679% | 836 |
| Total domestic deposits to total assets | 74.5753% | 5,656 |
| Equity capital to assets | 14.0881% | 993 |
| Core capital (leverage) ratio | 10.3523% | 3,195 |
| Tier 1 risk-based capital ratio | 11.6429% | 5,299 |
| Total risk-based capital ratio | 12.0397% | 5,691 |
| Memoranda: | ||
| Average total assets | $4,300,392,250 | 221 |
| Average earning assets | $3,723,509,000 | 222 |
| Average equity | $614,553,000 | 186 |
| Average total loans | $2,969,196,500 | 217 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7572% | 978 |
| Cost of funding earning assets | 0.3900% | 3,370 |
| Net interest margin | 4.3671% | 810 |
| Noninterest income to average assets | 0.9880% | 1,205 |
| Noninterest expense to average assets | 3.0257% | 2,478 |
| Loan and lease loss provision to assets | 0.0913% | 2,292 |
| Net operating income to assets | 1.0518% | 2,134 |
| Return on assets (ROA) | 1.0543% | 2,235 |
| Pretax return on assets | 1.6519% | 1,187 |
| Return on Equity (ROE) | 7.3422% | 3,412 |
| Retained earnings to average equity (ytd only) | -2.7424% | 5,898 |
| Net charge-offs to loans | 0.0958% | 2,057 |
| Credit loss provision to net charge-offs | 138.2603% | 1,621 |
| Earnings coverage of net charge-offs (x) | 26.3338% | 1,488 |
| Efficiency ratio | 61.9371% | 4,687 |
| Assets per employee ($millions) | 5.1820% | 2,057 |
| Cash dividends to net income (ytd only)* | 137.3505% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2791% | 6,223 |
| Loan loss allowance to noncurrent loans | 25.7233% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0582% | 2,388 |
| Noncurrent loans to loans | 1.0851% | 2,481 |
| Net loans and leases to total assets | 69.0925% | 2,469 |
| Net loans and leases to deposits | 91.9922% | 1,379 |
| Net loans and leases to core deposits | 108.9898% | 897 |
| Total domestic deposits to total assets | 75.1070% | 5,694 |
| Equity capital to assets | 13.9855% | 982 |
| Core capital (leverage) ratio | 10.1691% | 3,375 |
| Tier 1 risk-based capital ratio | 11.5050% | 5,464 |
| Total risk-based capital ratio | 11.8960% | 5,805 |
| Memoranda: | ||
| Average total assets | $4,281,542,670 | 222 |
| Average earning assets | $3,703,118,330 | 224 |
| Average equity | $614,801,000 | 186 |
| Average total loans | $2,953,015,000 | 219 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7558% | 934 |
| Cost of funding earning assets | 0.3789% | 3,539 |
| Net interest margin | 4.3770% | 771 |
| Noninterest income to average assets | 0.8102% | 1,674 |
| Noninterest expense to average assets | 2.8832% | 2,959 |
| Loan and lease loss provision to assets | 0.0902% | 2,191 |
| Net operating income to assets | 1.0367% | 2,090 |
| Return on assets (ROA) | 1.0367% | 2,241 |
| Pretax return on assets | 1.6256% | 1,205 |
| Return on Equity (ROE) | 7.1253% | 3,440 |
| Retained earnings to average equity (ytd only) | 7.1253% | 1,961 |
| Net charge-offs to loans | 0.0674% | 2,063 |
| Credit loss provision to net charge-offs | 194.5344% | 1,070 |
| Earnings coverage of net charge-offs (x) | 37.0020% | 1,022 |
| Efficiency ratio | 61.0287% | 4,958 |
| Assets per employee ($millions) | 5.0199% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2812% | 6,302 |
| Loan loss allowance to noncurrent loans | 22.0149% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 1.1646% | 2,301 |
| Noncurrent loans to loans | 1.2772% | 2,243 |
| Net loans and leases to total assets | 68.9346% | 2,297 |
| Net loans and leases to deposits | 91.5307% | 1,238 |
| Net loans and leases to core deposits | 106.9678% | 876 |
| Total domestic deposits to total assets | 75.3130% | 5,802 |
| Equity capital to assets | 14.6823% | 784 |
| Core capital (leverage) ratio | 10.5926% | 2,855 |
| Tier 1 risk-based capital ratio | 11.9732% | 5,257 |
| Total risk-based capital ratio | 12.3370% | 5,682 |
| Memoranda: | ||
| Average total assets | $4,261,418,500 | 219 |
| Average earning assets | $3,688,767,500 | 221 |
| Average equity | $619,988,500 | 181 |
| Average total loans | $2,932,326,000 | 217 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4608% | 341 |
| Cost of funding earning assets | 0.4028% | 3,663 |
| Net interest margin | 5.0580% | 271 |
| Noninterest income to average assets | 1.0154% | 1,182 |
| Noninterest expense to average assets | 4.2439% | 583 |
| Loan and lease loss provision to assets | 0.1230% | 2,131 |
| Net operating income to assets | 0.7148% | 3,817 |
| Return on assets (ROA) | 0.7177% | 3,913 |
| Pretax return on assets | 1.1392% | 2,932 |
| Return on Equity (ROE) | 5.2861% | 4,517 |
| Retained earnings to average equity (ytd only) | 2.6322% | 4,370 |
| Net charge-offs to loans | 0.1323% | 2,694 |
| Credit loss provision to net charge-offs | 129.3293% | 1,846 |
| Earnings coverage of net charge-offs (x) | 13.2251% | 2,291 |
| Efficiency ratio | 75.7272% | 2,554 |
| Assets per employee ($millions) | 3.8491% | 4,253 |
| Cash dividends to net income (ytd only)* | 50.2058% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2678% | 6,392 |
| Loan loss allowance to noncurrent loans | 29.2126% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 0.9206% | 2,914 |
| Noncurrent loans to loans | 0.9169% | 3,022 |
| Net loans and leases to total assets | 68.3096% | 2,512 |
| Net loans and leases to deposits | 89.5533% | 1,557 |
| Net loans and leases to core deposits | 109.6716% | 795 |
| Total domestic deposits to total assets | 76.2781% | 5,693 |
| Equity capital to assets | 14.4154% | 837 |
| Core capital (leverage) ratio | 10.1311% | 3,393 |
| Tier 1 risk-based capital ratio | 11.8198% | 5,480 |
| Total risk-based capital ratio | 12.1847% | 5,864 |
| Memoranda: | ||
| Average total assets | $2,775,081,000 | 280 |
| Average earning assets | $2,461,343,800 | 284 |
| Average equity | $376,798,000 | 248 |
| Average total loans | $1,995,126,400 | 267 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5210% | 309 |
| Cost of funding earning assets | 0.4100% | 3,683 |
| Net interest margin | 5.1110% | 242 |
| Noninterest income to average assets | 1.0343% | 1,147 |
| Noninterest expense to average assets | 4.6752% | 392 |
| Loan and lease loss provision to assets | 0.1426% | 1,762 |
| Net operating income to assets | 0.4739% | 4,980 |
| Return on assets (ROA) | 0.4783% | 5,035 |
| Pretax return on assets | 0.8043% | 4,350 |
| Return on Equity (ROE) | 3.6214% | 5,323 |
| Retained earnings to average equity (ytd only) | 1.1013% | 5,445 |
| Net charge-offs to loans | 0.1490% | 2,297 |
| Credit loss provision to net charge-offs | 130.3245% | 1,774 |
| Earnings coverage of net charge-offs (x) | 8.5943% | 2,774 |
| Efficiency ratio | 81.9779% | 1,626 |
| Assets per employee ($millions) | 4.6874% | 2,686 |
| Cash dividends to net income (ytd only)* | 69.5894% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2677% | 6,476 |
| Loan loss allowance to noncurrent loans | 29.9260% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 0.8655% | 3,259 |
| Noncurrent loans to loans | 0.8946% | 3,328 |
| Net loans and leases to total assets | 68.0820% | 2,525 |
| Net loans and leases to deposits | 89.3351% | 1,501 |
| Net loans and leases to core deposits | 104.6515% | 1,058 |
| Total domestic deposits to total assets | 76.2097% | 5,787 |
| Equity capital to assets | 14.5196% | 849 |
| Core capital (leverage) ratio | 10.3164% | 3,274 |
| Tier 1 risk-based capital ratio | 11.8484% | 5,588 |
| Total risk-based capital ratio | 12.2679% | 5,936 |
| Memoranda: | ||
| Average total assets | $2,403,607,750 | 312 |
| Average earning assets | $2,154,405,250 | 317 |
| Average equity | $317,438,000 | 280 |
| Average total loans | $1,764,290,250 | 287 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 1,959 |
| Cost of funding earning assets | 0.4431% | 3,406 |
| Net interest margin | 4.0167% | 1,767 |
| Noninterest income to average assets | 0.9322% | 1,386 |
| Noninterest expense to average assets | 3.3673% | 1,759 |
| Loan and lease loss provision to assets | -0.1492% | 6,427 |
| Net operating income to assets | 0.8835% | 2,894 |
| Return on assets (ROA) | 0.9634% | 2,574 |
| Pretax return on assets | 1.5395% | 1,432 |
| Return on Equity (ROE) | 7.8990% | 3,156 |
| Retained earnings to average equity (ytd only) | 7.8990% | 1,362 |
| Net charge-offs to loans | 0.0375% | 3,473 |
| Credit loss provision to net charge-offs | -513.6882% | 5,578 |
| Earnings coverage of net charge-offs (x) | 43.5703% | 993 |
| Efficiency ratio | 71.9506% | 3,353 |
| Assets per employee ($millions) | 3.6913% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 4,677 |
| Loan loss allowance to noncurrent loans | 86.6558% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.1679% | 2,744 |
| Noncurrent loans to loans | 1.3223% | 2,600 |
| Net loans and leases to total assets | 77.9808% | 915 |
| Net loans and leases to deposits | 93.9888% | 958 |
| Net loans and leases to core deposits | 99.9743% | 1,286 |
| Total domestic deposits to total assets | 82.9682% | 4,314 |
| Equity capital to assets | 12.4478% | 1,680 |
| Core capital (leverage) ratio | 11.9942% | 1,655 |
| Tier 1 risk-based capital ratio | 13.7865% | 4,401 |
| Total risk-based capital ratio | 14.8450% | 4,466 |
| Memoranda: | ||
| Average total assets | $1,811,080,330 | 395 |
| Average earning assets | $1,668,528,330 | 387 |
| Average equity | $220,887,330 | 362 |
| Average total loans | $1,400,960,670 | 337 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 1,830 |
| Cost of funding earning assets | 0.4529% | 3,397 |
| Net interest margin | 4.0413% | 1,625 |
| Noninterest income to average assets | 0.9219% | 1,327 |
| Noninterest expense to average assets | 3.4894% | 1,509 |
| Loan and lease loss provision to assets | -0.1018% | 6,495 |
| Net operating income to assets | 0.7537% | 3,398 |
| Return on assets (ROA) | 0.9135% | 2,657 |
| Pretax return on assets | 1.5022% | 1,425 |
| Return on Equity (ROE) | 7.5683% | 3,163 |
| Retained earnings to average equity (ytd only) | 7.5683% | 1,786 |
| Net charge-offs to loans | 0.3125% | 1,134 |
| Credit loss provision to net charge-offs | -42.5532% | 4,736 |
| Earnings coverage of net charge-offs (x) | 4.8076% | 2,470 |
| Efficiency ratio | 74.4584% | 3,057 |
| Assets per employee ($millions) | 3.6647% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 4,688 |
| Loan loss allowance to noncurrent loans | 109.5478% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.9893% | 3,287 |
| Noncurrent loans to loans | 1.0853% | 3,246 |
| Net loans and leases to total assets | 75.8497% | 1,016 |
| Net loans and leases to deposits | 89.9444% | 1,161 |
| Net loans and leases to core deposits | 95.5915% | 1,412 |
| Total domestic deposits to total assets | 84.3296% | 4,150 |
| Equity capital to assets | 12.1840% | 1,753 |
| Core capital (leverage) ratio | 11.7112% | 1,822 |
| Tier 1 risk-based capital ratio | 13.7307% | 4,520 |
| Total risk-based capital ratio | 14.8233% | 4,576 |
| Memoranda: | ||
| Average total assets | $1,806,707,000 | 395 |
| Average earning assets | $1,662,245,500 | 389 |
| Average equity | $218,067,000 | 365 |
| Average total loans | $1,383,659,000 | 341 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4253% | 2,486 |
| Cost of funding earning assets | 0.5637% | 2,986 |
| Net interest margin | 3.8616% | 2,425 |
| Noninterest income to average assets | 1.2739% | 851 |
| Noninterest expense to average assets | 3.1873% | 2,454 |
| Loan and lease loss provision to assets | -0.1462% | 6,539 |
| Net operating income to assets | 1.1652% | 1,700 |
| Return on assets (ROA) | 1.0805% | 2,073 |
| Pretax return on assets | 1.6470% | 1,059 |
| Return on Equity (ROE) | 9.5954% | 2,284 |
| Retained earnings to average equity (ytd only) | 9.5954% | 650 |
| Net charge-offs to loans | 0.3274% | 2,041 |
| Credit loss provision to net charge-offs | -61.0089% | 5,817 |
| Earnings coverage of net charge-offs (x) | 6.7964% | 2,982 |
| Efficiency ratio | 65.4104% | 4,671 |
| Assets per employee ($millions) | 3.6873% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 4,088 |
| Loan loss allowance to noncurrent loans | 117.3455% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.0349% | 3,355 |
| Noncurrent loans to loans | 1.1173% | 3,300 |
| Net loans and leases to total assets | 75.4043% | 1,167 |
| Net loans and leases to deposits | 89.4287% | 1,291 |
| Net loans and leases to core deposits | 97.3074% | 1,363 |
| Total domestic deposits to total assets | 84.3178% | 4,047 |
| Equity capital to assets | 11.9552% | 1,836 |
| Core capital (leverage) ratio | 11.2404% | 2,162 |
| Tier 1 risk-based capital ratio | 13.2143% | 4,841 |
| Total risk-based capital ratio | 14.4099% | 4,823 |
| Memoranda: | ||
| Average total assets | $1,836,121,800 | 377 |
| Average earning assets | $1,684,346,800 | 372 |
| Average equity | $206,766,600 | 374 |
| Average total loans | $1,344,188,000 | 336 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3824% | 2,645 |
| Cost of funding earning assets | 0.5933% | 2,868 |
| Net interest margin | 3.7891% | 2,681 |
| Noninterest income to average assets | 1.3811% | 763 |
| Noninterest expense to average assets | 3.2202% | 2,303 |
| Loan and lease loss provision to assets | 0.0240% | 4,528 |
| Net operating income to assets | 1.0593% | 2,151 |
| Return on assets (ROA) | 1.0845% | 2,149 |
| Pretax return on assets | 1.6499% | 1,220 |
| Return on Equity (ROE) | 9.7778% | 2,271 |
| Retained earnings to average equity (ytd only) | 9.7778% | 836 |
| Net charge-offs to loans | 0.4459% | 1,438 |
| Credit loss provision to net charge-offs | 7.4323% | 4,250 |
| Earnings coverage of net charge-offs (x) | 5.0654% | 3,290 |
| Efficiency ratio | 65.5442% | 4,568 |
| Assets per employee ($millions) | 3.6585% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 3,180 |
| Loan loss allowance to noncurrent loans | 117.5674% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 1.1520% | 3,355 |
| Noncurrent loans to loans | 1.3279% | 3,200 |
| Net loans and leases to total assets | 73.1681% | 1,419 |
| Net loans and leases to deposits | 88.7073% | 1,295 |
| Net loans and leases to core deposits | 92.6420% | 1,707 |
| Total domestic deposits to total assets | 82.4826% | 4,770 |
| Equity capital to assets | 11.5659% | 2,250 |
| Core capital (leverage) ratio | 10.8797% | 2,591 |
| Tier 1 risk-based capital ratio | 12.9170% | 5,179 |
| Total risk-based capital ratio | 14.1690% | 5,118 |
| Memoranda: | ||
| Average total assets | $1,844,383,750 | 379 |
| Average earning assets | $1,691,399,750 | 371 |
| Average equity | $204,567,750 | 378 |
| Average total loans | $1,335,820,500 | 338 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3373% | 2,802 |
| Cost of funding earning assets | 0.6322% | 2,663 |
| Net interest margin | 3.7051% | 2,938 |
| Noninterest income to average assets | 1.3926% | 807 |
| Noninterest expense to average assets | 3.1462% | 2,524 |
| Loan and lease loss provision to assets | 0.0315% | 4,299 |
| Net operating income to assets | 1.0626% | 2,066 |
| Return on assets (ROA) | 1.0823% | 2,100 |
| Pretax return on assets | 1.6434% | 1,244 |
| Return on Equity (ROE) | 9.8956% | 2,241 |
| Retained earnings to average equity (ytd only) | 9.8956% | 873 |
| Net charge-offs to loans | 0.3778% | 1,696 |
| Credit loss provision to net charge-offs | 11.6011% | 3,874 |
| Earnings coverage of net charge-offs (x) | 6.0640% | 2,779 |
| Efficiency ratio | 64.8722% | 4,728 |
| Assets per employee ($millions) | 3.6812% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 2,725 |
| Loan loss allowance to noncurrent loans | 116.3773% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.3060% | 3,163 |
| Noncurrent loans to loans | 1.4730% | 3,099 |
| Net loans and leases to total assets | 73.0175% | 1,398 |
| Net loans and leases to deposits | 86.1258% | 1,563 |
| Net loans and leases to core deposits | 89.9609% | 1,910 |
| Total domestic deposits to total assets | 84.7801% | 4,006 |
| Equity capital to assets | 11.3797% | 2,399 |
| Core capital (leverage) ratio | 10.2954% | 3,103 |
| Tier 1 risk-based capital ratio | 12.4879% | 5,514 |
| Total risk-based capital ratio | 13.7417% | 5,448 |
| Memoranda: | ||
| Average total assets | $1,855,520,670 | 376 |
| Average earning assets | $1,702,083,330 | 366 |
| Average equity | $202,938,330 | 378 |
| Average total loans | $1,332,404,670 | 337 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2346% | 3,166 |
| Cost of funding earning assets | 0.7026% | 2,185 |
| Net interest margin | 3.5320% | 3,560 |
| Noninterest income to average assets | 1.4127% | 766 |
| Noninterest expense to average assets | 3.0182% | 2,931 |
| Loan and lease loss provision to assets | 0.0503% | 3,781 |
| Net operating income to assets | 1.0321% | 2,100 |
| Return on assets (ROA) | 1.0327% | 2,210 |
| Pretax return on assets | 1.5866% | 1,333 |
| Return on Equity (ROE) | 9.6285% | 2,221 |
| Retained earnings to average equity (ytd only) | 9.6285% | 1,208 |
| Net charge-offs to loans | 0.2689% | 1,883 |
| Credit loss provision to net charge-offs | 26.5101% | 2,937 |
| Earnings coverage of net charge-offs (x) | 8.6163% | 1,929 |
| Efficiency ratio | 64.0350% | 5,006 |
| Assets per employee ($millions) | 3.8029% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8516% | 2,442 |
| Loan loss allowance to noncurrent loans | 103.2895% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.5811% | 2,887 |
| Noncurrent loans to loans | 1.7927% | 2,871 |
| Net loans and leases to total assets | 70.3883% | 1,596 |
| Net loans and leases to deposits | 82.9177% | 1,719 |
| Net loans and leases to core deposits | 86.8687% | 2,028 |
| Total domestic deposits to total assets | 84.8894% | 4,094 |
| Equity capital to assets | 11.0763% | 2,873 |
| Core capital (leverage) ratio | 9.7206% | 3,767 |
| Tier 1 risk-based capital ratio | 12.2329% | 5,771 |
| Total risk-based capital ratio | 13.4881% | 5,722 |
| Memoranda: | ||
| Average total assets | $1,883,234,500 | 375 |
| Average earning assets | $1,728,437,500 | 371 |
| Average equity | $201,984,500 | 385 |
| Average total loans | $1,329,953,500 | 339 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 3,711 |
| Cost of funding earning assets | 0.9536% | 1,619 |
| Net interest margin | 3.4725% | 4,613 |
| Noninterest income to average assets | -0.0245% | 6,865 |
| Noninterest expense to average assets | 2.7986% | 4,025 |
| Loan and lease loss provision to assets | 2.0707% | 89 |
| Net operating income to assets | -0.4514% | 6,543 |
| Return on assets (ROA) | -0.3941% | 6,557 |
| Pretax return on assets | -1.6230% | 6,877 |
| Return on Equity (ROE) | -4.2000% | 6,562 |
| Retained earnings to average equity (ytd only) | -4.2000% | 6,378 |
| Net charge-offs to loans | 3.4352% | 114 |
| Credit loss provision to net charge-offs | 83.9865% | 3,697 |
| Earnings coverage of net charge-offs (x) | 0.1453% | 5,419 |
| Efficiency ratio | 86.8956% | 1,339 |
| Assets per employee ($millions) | 4.0550% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8807% | 2,349 |
| Loan loss allowance to noncurrent loans | 110.2253% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 1.6417% | 2,938 |
| Noncurrent loans to loans | 1.7063% | 3,058 |
| Net loans and leases to total assets | 68.2610% | 2,141 |
| Net loans and leases to deposits | 80.1548% | 2,258 |
| Net loans and leases to core deposits | 83.9475% | 2,560 |
| Total domestic deposits to total assets | 85.1615% | 3,786 |
| Equity capital to assets | 10.3887% | 3,655 |
| Core capital (leverage) ratio | 8.9196% | 5,016 |
| Tier 1 risk-based capital ratio | 11.7345% | 5,936 |
| Total risk-based capital ratio | 12.9905% | 5,903 |
| Memoranda: | ||
| Average total assets | $1,949,729,000 | 360 |
| Average earning assets | $1,786,311,600 | 346 |
| Average equity | $182,952,600 | 405 |
| Average total loans | $1,399,388,600 | 319 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4785% | 3,724 |
| Cost of funding earning assets | 0.9916% | 1,612 |
| Net interest margin | 3.4869% | 4,694 |
| Noninterest income to average assets | 0.4559% | 4,240 |
| Noninterest expense to average assets | 2.7190% | 4,293 |
| Loan and lease loss provision to assets | 0.6010% | 920 |
| Net operating income to assets | 0.9678% | 2,667 |
| Return on assets (ROA) | 1.0801% | 2,366 |
| Pretax return on assets | 0.4444% | 5,611 |
| Return on Equity (ROE) | 11.8219% | 1,688 |
| Retained earnings to average equity (ytd only) | 11.8219% | 560 |
| Net charge-offs to loans | 1.3603% | 678 |
| Credit loss provision to net charge-offs | 61.0973% | 4,123 |
| Earnings coverage of net charge-offs (x) | 0.9486% | 4,850 |
| Efficiency ratio | 72.9215% | 3,158 |
| Assets per employee ($millions) | 4.4402% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 2,267 |
| Loan loss allowance to noncurrent loans | 47.7293% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 4.1366% | 1,161 |
| Noncurrent loans to loans | 4.1234% | 1,217 |
| Net loans and leases to total assets | 70.7136% | 1,781 |
| Net loans and leases to deposits | 82.0432% | 2,112 |
| Net loans and leases to core deposits | 86.3155% | 2,424 |
| Total domestic deposits to total assets | 86.1907% | 3,153 |
| Equity capital to assets | 9.7371% | 4,878 |
| Core capital (leverage) ratio | 8.7336% | 5,426 |
| Tier 1 risk-based capital ratio | 11.1795% | 6,403 |
| Total risk-based capital ratio | 12.4364% | 6,369 |
| Memoranda: | ||
| Average total assets | $1,956,640,750 | 361 |
| Average earning assets | $1,793,547,000 | 348 |
| Average equity | $178,770,750 | 420 |
| Average total loans | $1,414,940,250 | 317 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5224% | 3,671 |
| Cost of funding earning assets | 1.0292% | 1,588 |
| Net interest margin | 3.4933% | 4,697 |
| Noninterest income to average assets | 0.4536% | 4,264 |
| Noninterest expense to average assets | 2.6608% | 4,566 |
| Loan and lease loss provision to assets | 0.4640% | 1,377 |
| Net operating income to assets | 1.4804% | 1,027 |
| Return on assets (ROA) | 1.5109% | 1,096 |
| Pretax return on assets | 0.5580% | 5,282 |
| Return on Equity (ROE) | 16.8969% | 651 |
| Retained earnings to average equity (ytd only) | 16.8969% | 188 |
| Net charge-offs to loans | 1.2094% | 891 |
| Credit loss provision to net charge-offs | 53.0108% | 3,977 |
| Earnings coverage of net charge-offs (x) | 1.1328% | 4,447 |
| Efficiency ratio | 71.3118% | 3,549 |
| Assets per employee ($millions) | 4.0565% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0611% | 2,081 |
| Loan loss allowance to noncurrent loans | 45.4909% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 4.5741% | 1,075 |
| Noncurrent loans to loans | 4.5307% | 1,164 |
| Net loans and leases to total assets | 70.4267% | 1,843 |
| Net loans and leases to deposits | 81.1943% | 2,206 |
| Net loans and leases to core deposits | 85.4370% | 2,501 |
| Total domestic deposits to total assets | 86.7385% | 2,936 |
| Equity capital to assets | 9.5354% | 5,010 |
| Core capital (leverage) ratio | 8.5492% | 5,582 |
| Tier 1 risk-based capital ratio | 10.8945% | 6,545 |
| Total risk-based capital ratio | 12.1523% | 6,526 |
| Memoranda: | ||
| Average total assets | $1,969,466,670 | 360 |
| Average earning assets | $1,803,411,330 | 349 |
| Average equity | $176,103,000 | 425 |
| Average total loans | $1,425,375,670 | 318 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6269% | 3,373 |
| Cost of funding earning assets | 1.0655% | 1,588 |
| Net interest margin | 3.5614% | 4,435 |
| Noninterest income to average assets | 0.6757% | 2,776 |
| Noninterest expense to average assets | 2.7184% | 4,363 |
| Loan and lease loss provision to assets | 0.4741% | 1,289 |
| Net operating income to assets | 0.7402% | 3,674 |
| Return on assets (ROA) | 0.7402% | 3,910 |
| Pretax return on assets | 0.7402% | 4,647 |
| Return on Equity (ROE) | 8.5567% | 3,027 |
| Retained earnings to average equity (ytd only) | 8.5567% | 1,755 |
| Net charge-offs to loans | 1.4269% | 703 |
| Credit loss provision to net charge-offs | 45.7644% | 3,353 |
| Earnings coverage of net charge-offs (x) | 1.1722% | 3,749 |
| Efficiency ratio | 67.6961% | 4,234 |
| Assets per employee ($millions) | 4.2735% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1344% | 2,015 |
| Loan loss allowance to noncurrent loans | 45.4878% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 4.8036% | 1,095 |
| Noncurrent loans to loans | 4.6923% | 1,212 |
| Net loans and leases to total assets | 69.8128% | 1,784 |
| Net loans and leases to deposits | 80.2478% | 2,173 |
| Net loans and leases to core deposits | 84.5834% | 2,466 |
| Total domestic deposits to total assets | 86.9965% | 2,959 |
| Equity capital to assets | 8.7813% | 5,770 |
| Core capital (leverage) ratio | 8.2975% | 5,876 |
| Tier 1 risk-based capital ratio | 10.6138% | 6,707 |
| Total risk-based capital ratio | 11.8726% | 6,688 |
| Memoranda: | ||
| Average total assets | $1,982,658,500 | 359 |
| Average earning assets | $1,813,216,500 | 348 |
| Average equity | $171,514,000 | 434 |
| Average total loans | $1,439,439,500 | 313 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 4,807 |
| Cost of funding earning assets | 1.2851% | 1,553 |
| Net interest margin | 3.2802% | 5,874 |
| Noninterest income to average assets | 0.4753% | 4,029 |
| Noninterest expense to average assets | 2.9595% | 3,744 |
| Loan and lease loss provision to assets | 0.9794% | 976 |
| Net operating income to assets | -0.7681% | 6,639 |
| Return on assets (ROA) | -0.6349% | 6,610 |
| Pretax return on assets | -0.3203% | 6,364 |
| Return on Equity (ROE) | -7.8838% | 6,669 |
| Retained earnings to average equity (ytd only) | -7.8838% | 6,615 |
| Net charge-offs to loans | 1.6662% | 932 |
| Credit loss provision to net charge-offs | 80.9500% | 4,406 |
| Earnings coverage of net charge-offs (x) | 0.4346% | 5,495 |
| Efficiency ratio | 83.3297% | 1,843 |
| Assets per employee ($millions) | 4.3661% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2338% | 1,734 |
| Loan loss allowance to noncurrent loans | 46.8781% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 4.7733% | 1,139 |
| Noncurrent loans to loans | 4.7651% | 1,220 |
| Net loans and leases to total assets | 72.2072% | 1,610 |
| Net loans and leases to deposits | 82.7098% | 2,105 |
| Net loans and leases to core deposits | 87.3442% | 2,456 |
| Total domestic deposits to total assets | 87.3019% | 2,581 |
| Equity capital to assets | 8.5212% | 6,120 |
| Core capital (leverage) ratio | 7.9950% | 6,283 |
| Tier 1 risk-based capital ratio | 10.2254% | 6,789 |
| Total risk-based capital ratio | 11.4855% | 6,772 |
| Memoranda: | ||
| Average total assets | $2,128,142,600 | 323 |
| Average earning assets | $1,952,897,400 | 314 |
| Average equity | $171,377,000 | 414 |
| Average total loans | $1,545,273,800 | 294 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5790% | 4,953 |
| Cost of funding earning assets | 1.3391% | 1,505 |
| Net interest margin | 3.2398% | 6,047 |
| Noninterest income to average assets | 0.4336% | 4,412 |
| Noninterest expense to average assets | 3.0784% | 3,240 |
| Loan and lease loss provision to assets | 1.0615% | 788 |
| Net operating income to assets | -1.1564% | 6,939 |
| Return on assets (ROA) | -1.0234% | 6,923 |
| Pretax return on assets | -0.5976% | 6,677 |
| Return on Equity (ROE) | -12.8807% | 6,968 |
| Retained earnings to average equity (ytd only) | -12.8807% | 6,942 |
| Net charge-offs to loans | 1.8154% | 731 |
| Credit loss provision to net charge-offs | 80.8453% | 4,117 |
| Earnings coverage of net charge-offs (x) | 0.2519% | 5,406 |
| Efficiency ratio | 88.6839% | 1,274 |
| Assets per employee ($millions) | 5.0869% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2639% | 1,747 |
| Loan loss allowance to noncurrent loans | 48.0035% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 4.4723% | 1,344 |
| Noncurrent loans to loans | 4.7161% | 1,365 |
| Net loans and leases to total assets | 71.0897% | 1,885 |
| Net loans and leases to deposits | 81.1618% | 2,505 |
| Net loans and leases to core deposits | 86.3793% | 2,726 |
| Total domestic deposits to total assets | 87.5900% | 2,298 |
| Equity capital to assets | 8.1419% | 6,608 |
| Core capital (leverage) ratio | 7.5818% | 6,710 |
| Tier 1 risk-based capital ratio | 9.7235% | 7,021 |
| Total risk-based capital ratio | 10.9842% | 7,014 |
| Memoranda: | ||
| Average total assets | $2,162,440,500 | 323 |
| Average earning assets | $1,986,095,250 | 312 |
| Average equity | $171,808,000 | 418 |
| Average total loans | $1,563,978,000 | 292 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6189% | 4,889 |
| Cost of funding earning assets | 1.4089% | 1,379 |
| Net interest margin | 3.2100% | 6,128 |
| Noninterest income to average assets | 0.3788% | 4,857 |
| Noninterest expense to average assets | 3.4462% | 2,130 |
| Loan and lease loss provision to assets | 1.3862% | 528 |
| Net operating income to assets | -1.9185% | 7,179 |
| Return on assets (ROA) | -1.8638% | 7,177 |
| Pretax return on assets | -1.4531% | 7,051 |
| Return on Equity (ROE) | -23.6399% | 7,185 |
| Retained earnings to average equity (ytd only) | -23.6399% | 7,175 |
| Net charge-offs to loans | 2.1842% | 589 |
| Credit loss provision to net charge-offs | 87.9025% | 3,519 |
| Earnings coverage of net charge-offs (x) | -0.0771% | 5,326 |
| Efficiency ratio | 102.0084% | 662 |
| Assets per employee ($millions) | 3.6987% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3272% | 1,705 |
| Loan loss allowance to noncurrent loans | 51.7461% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 4.3751% | 1,443 |
| Noncurrent loans to loans | 4.4973% | 1,476 |
| Net loans and leases to total assets | 71.9856% | 1,787 |
| Net loans and leases to deposits | 81.6448% | 2,500 |
| Net loans and leases to core deposits | 87.7305% | 2,676 |
| Total domestic deposits to total assets | 88.1692% | 2,032 |
| Equity capital to assets | 7.7689% | 6,824 |
| Core capital (leverage) ratio | 7.1416% | 6,943 |
| Tier 1 risk-based capital ratio | 9.4216% | 7,118 |
| Total risk-based capital ratio | 10.6831% | 7,117 |
| Memoranda: | ||
| Average total assets | $2,201,615,670 | 322 |
| Average earning assets | $2,020,349,000 | 313 |
| Average equity | $173,579,330 | 416 |
| Average total loans | $1,589,505,330 | 291 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5429% | 5,194 |
| Cost of funding earning assets | 1.4779% | 1,265 |
| Net interest margin | 3.0651% | 6,430 |
| Noninterest income to average assets | 0.7789% | 2,118 |
| Noninterest expense to average assets | 2.9413% | 3,886 |
| Loan and lease loss provision to assets | 0.8602% | 953 |
| Net operating income to assets | -0.1125% | 6,473 |
| Return on assets (ROA) | -0.0930% | 6,470 |
| Pretax return on assets | -0.1829% | 6,528 |
| Return on Equity (ROE) | -1.1713% | 6,507 |
| Retained earnings to average equity (ytd only) | -1.1713% | 6,021 |
| Net charge-offs to loans | 1.6707% | 794 |
| Credit loss provision to net charge-offs | 72.0077% | 3,315 |
| Earnings coverage of net charge-offs (x) | 0.5414% | 4,214 |
| Efficiency ratio | 80.4729% | 2,444 |
| Assets per employee ($millions) | 3.7771% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2617% | 1,837 |
| Loan loss allowance to noncurrent loans | 50.2466% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 4.4348% | 1,469 |
| Noncurrent loans to loans | 4.5012% | 1,552 |
| Net loans and leases to total assets | 69.5392% | 2,213 |
| Net loans and leases to deposits | 79.0517% | 2,882 |
| Net loans and leases to core deposits | 85.3109% | 2,986 |
| Total domestic deposits to total assets | 87.9667% | 2,390 |
| Equity capital to assets | 8.0587% | 6,441 |
| Core capital (leverage) ratio | 7.0696% | 6,975 |
| Tier 1 risk-based capital ratio | 9.3856% | 7,174 |
| Total risk-based capital ratio | 10.6462% | 7,169 |
| Memoranda: | ||
| Average total assets | $2,263,084,000 | 319 |
| Average earning assets | $2,074,074,000 | 311 |
| Average equity | $179,624,000 | 397 |
| Average total loans | $1,618,257,500 | 288 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 5,170 |
| Cost of funding earning assets | 1.6523% | 1,818 |
| Net interest margin | 3.2126% | 6,243 |
| Noninterest income to average assets | 0.8109% | 2,224 |
| Noninterest expense to average assets | 2.7558% | 4,764 |
| Loan and lease loss provision to assets | 1.0956% | 1,461 |
| Net operating income to assets | -0.0014% | 5,836 |
| Return on assets (ROA) | 0.0614% | 5,819 |
| Pretax return on assets | -0.0011% | 5,902 |
| Return on Equity (ROE) | 0.7518% | 5,765 |
| Retained earnings to average equity (ytd only) | 0.7518% | 5,176 |
| Net charge-offs to loans | 2.0786% | 962 |
| Credit loss provision to net charge-offs | 69.1301% | 5,886 |
| Earnings coverage of net charge-offs (x) | 0.6287% | 5,480 |
| Efficiency ratio | 71.9103% | 3,809 |
| Assets per employee ($millions) | 3.8104% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2867% | 1,715 |
| Loan loss allowance to noncurrent loans | 57.7248% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 3.9598% | 1,718 |
| Noncurrent loans to loans | 3.9613% | 1,840 |
| Net loans and leases to total assets | 70.2113% | 2,493 |
| Net loans and leases to deposits | 79.8126% | 3,210 |
| Net loans and leases to core deposits | 86.2844% | 3,283 |
| Total domestic deposits to total assets | 87.9702% | 2,261 |
| Equity capital to assets | 7.8192% | 6,660 |
| Core capital (leverage) ratio | 7.0365% | 7,010 |
| Tier 1 risk-based capital ratio | 9.2325% | 7,195 |
| Total risk-based capital ratio | 10.4936% | 7,199 |
| Memoranda: | ||
| Average total assets | $2,222,440,000 | 319 |
| Average earning assets | $2,034,729,000 | 313 |
| Average equity | $181,423,800 | 385 |
| Average total loans | $1,694,475,200 | 281 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9115% | 5,212 |
| Cost of funding earning assets | 1.6575% | 2,058 |
| Net interest margin | 3.2540% | 6,157 |
| Noninterest income to average assets | 0.7625% | 2,434 |
| Noninterest expense to average assets | 2.7219% | 4,789 |
| Loan and lease loss provision to assets | 1.0935% | 1,333 |
| Net operating income to assets | -0.0221% | 6,036 |
| Return on assets (ROA) | 0.0122% | 6,102 |
| Pretax return on assets | -0.0220% | 6,122 |
| Return on Equity (ROE) | 0.1481% | 6,085 |
| Retained earnings to average equity (ytd only) | 0.1481% | 5,715 |
| Net charge-offs to loans | 1.7171% | 1,137 |
| Credit loss provision to net charge-offs | 82.2884% | 5,061 |
| Earnings coverage of net charge-offs (x) | 0.7659% | 5,296 |
| Efficiency ratio | 71.2065% | 3,850 |
| Assets per employee ($millions) | 3.8631% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6045% | 1,202 |
| Loan loss allowance to noncurrent loans | 70.9021% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 3.7737% | 1,888 |
| Noncurrent loans to loans | 3.6734% | 2,128 |
| Net loans and leases to total assets | 73.7698% | 1,844 |
| Net loans and leases to deposits | 84.3559% | 2,645 |
| Net loans and leases to core deposits | 96.9154% | 2,155 |
| Total domestic deposits to total assets | 87.4507% | 2,288 |
| Equity capital to assets | 8.0175% | 6,794 |
| Core capital (leverage) ratio | 7.3982% | 6,942 |
| Tier 1 risk-based capital ratio | 9.0969% | 7,348 |
| Total risk-based capital ratio | 10.3618% | 7,358 |
| Memoranda: | ||
| Average total assets | $2,203,635,000 | 318 |
| Average earning assets | $2,016,173,000 | 312 |
| Average equity | $181,865,000 | 379 |
| Average total loans | $1,705,351,750 | 277 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9122% | 5,342 |
| Cost of funding earning assets | 1.6369% | 2,446 |
| Net interest margin | 3.2753% | 6,095 |
| Noninterest income to average assets | 0.6742% | 2,856 |
| Noninterest expense to average assets | 2.5747% | 5,435 |
| Loan and lease loss provision to assets | 0.9342% | 1,567 |
| Net operating income to assets | 0.1183% | 5,811 |
| Return on assets (ROA) | 0.1768% | 5,770 |
| Pretax return on assets | 0.2440% | 5,673 |
| Return on Equity (ROE) | 2.1211% | 5,597 |
| Retained earnings to average equity (ytd only) | 2.1211% | 4,795 |
| Net charge-offs to loans | 1.7060% | 1,095 |
| Credit loss provision to net charge-offs | 70.2384% | 4,960 |
| Earnings coverage of net charge-offs (x) | 0.8247% | 4,951 |
| Efficiency ratio | 68.4789% | 4,482 |
| Assets per employee ($millions) | 3.8239% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6104% | 1,179 |
| Loan loss allowance to noncurrent loans | 87.1051% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 3.0872% | 2,298 |
| Noncurrent loans to loans | 2.9968% | 2,678 |
| Net loans and leases to total assets | 73.8955% | 1,932 |
| Net loans and leases to deposits | 84.5148% | 2,788 |
| Net loans and leases to core deposits | 95.2527% | 2,544 |
| Total domestic deposits to total assets | 87.4350% | 2,297 |
| Equity capital to assets | 8.1773% | 6,569 |
| Core capital (leverage) ratio | 7.5335% | 6,801 |
| Tier 1 risk-based capital ratio | 9.3866% | 7,309 |
| Total risk-based capital ratio | 10.6521% | 7,302 |
| Memoranda: | ||
| Average total assets | $2,182,292,330 | 318 |
| Average earning assets | $1,997,055,000 | 313 |
| Average equity | $181,883,000 | 381 |
| Average total loans | $1,701,273,670 | 279 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0346% | 4,860 |
| Cost of funding earning assets | 1.5940% | 2,999 |
| Net interest margin | 3.4406% | 5,424 |
| Noninterest income to average assets | 0.5812% | 3,410 |
| Noninterest expense to average assets | 2.5331% | 5,605 |
| Loan and lease loss provision to assets | 0.8138% | 1,552 |
| Net operating income to assets | 0.2416% | 5,536 |
| Return on assets (ROA) | 0.2467% | 5,629 |
| Pretax return on assets | 0.3870% | 5,338 |
| Return on Equity (ROE) | 2.9311% | 5,363 |
| Retained earnings to average equity (ytd only) | 2.9311% | 4,370 |
| Net charge-offs to loans | 1.7872% | 971 |
| Credit loss provision to net charge-offs | 57.6084% | 4,347 |
| Earnings coverage of net charge-offs (x) | 0.8444% | 4,290 |
| Efficiency ratio | 66.3179% | 5,049 |
| Assets per employee ($millions) | 3.9073% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7018% | 1,083 |
| Loan loss allowance to noncurrent loans | 85.8269% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 3.1617% | 2,266 |
| Noncurrent loans to loans | 3.1479% | 2,551 |
| Net loans and leases to total assets | 74.3219% | 1,907 |
| Net loans and leases to deposits | 85.4934% | 2,683 |
| Net loans and leases to core deposits | 97.3289% | 2,421 |
| Total domestic deposits to total assets | 86.9329% | 2,664 |
| Equity capital to assets | 8.2832% | 6,324 |
| Core capital (leverage) ratio | 7.7591% | 6,557 |
| Tier 1 risk-based capital ratio | 9.2592% | 7,406 |
| Total risk-based capital ratio | 10.5253% | 7,399 |
| Memoranda: | ||
| Average total assets | $2,154,959,000 | 330 |
| Average earning assets | $1,969,632,000 | 321 |
| Average equity | $181,363,500 | 384 |
| Average total loans | $1,703,252,000 | 290 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6248% | 3,469 |
| Cost of funding earning assets | 1.8647% | 3,649 |
| Net interest margin | 3.7601% | 3,872 |
| Noninterest income to average assets | 1.2283% | 1,003 |
| Noninterest expense to average assets | 6.4322% | 257 |
| Loan and lease loss provision to assets | 2.5577% | 771 |
| Net operating income to assets | -3.9192% | 7,588 |
| Return on assets (ROA) | -3.9194% | 7,589 |
| Pretax return on assets | -4.3880% | 7,620 |
| Return on Equity (ROE) | -39.0044% | 7,554 |
| Retained earnings to average equity (ytd only) | -39.8756% | 7,553 |
| Net charge-offs to loans | 1.4244% | 1,764 |
| Credit loss provision to net charge-offs | 218.4988% | 1,732 |
| Earnings coverage of net charge-offs (x) | -1.5635% | 6,967 |
| Efficiency ratio | 67.7073% | 5,057 |
| Assets per employee ($millions) | 3.7883% | 4,303 |
| Cash dividends to net income (ytd only)* | -2.2336% | 7,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8169% | 915 |
| Loan loss allowance to noncurrent loans | 134.0935% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 2.3983% | 2,901 |
| Noncurrent loans to loans | 2.1007% | 3,517 |
| Net loans and leases to total assets | 79.5002% | 1,090 |
| Net loans and leases to deposits | 91.8760% | 1,915 |
| Net loans and leases to core deposits | 132.6069% | 1,137 |
| Total domestic deposits to total assets | 86.5298% | 2,744 |
| Equity capital to assets | 8.5547% | 5,804 |
| Core capital (leverage) ratio | 8.0208% | 6,142 |
| Tier 1 risk-based capital ratio | 8.9974% | 7,466 |
| Total risk-based capital ratio | 10.2673% | 7,479 |
| Memoranda: | ||
| Average total assets | $1,893,875,400 | 368 |
| Average earning assets | $1,699,256,000 | 382 |
| Average equity | $190,309,200 | 365 |
| Average total loans | $1,556,322,400 | 323 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6870% | 3,405 |
| Cost of funding earning assets | 1.9629% | 3,553 |
| Net interest margin | 3.7240% | 3,976 |
| Noninterest income to average assets | 1.2564% | 981 |
| Noninterest expense to average assets | 7.8119% | 162 |
| Loan and lease loss provision to assets | 3.2823% | 417 |
| Net operating income to assets | -5.6772% | 7,904 |
| Return on assets (ROA) | -5.6775% | 7,901 |
| Pretax return on assets | -6.5112% | 7,940 |
| Return on Equity (ROE) | -54.1895% | 7,863 |
| Retained earnings to average equity (ytd only) | -55.3363% | 7,865 |
| Net charge-offs to loans | 1.1782% | 1,721 |
| Credit loss provision to net charge-offs | 338.5633% | 1,212 |
| Earnings coverage of net charge-offs (x) | -3.3302% | 6,815 |
| Efficiency ratio | 71.6705% | 4,306 |
| Assets per employee ($millions) | 3.7172% | 4,384 |
| Cash dividends to net income (ytd only)* | -2.1163% | 7,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2051% | 559 |
| Loan loss allowance to noncurrent loans | 119.4611% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 2.6753% | 2,605 |
| Noncurrent loans to loans | 2.6830% | 2,827 |
| Net loans and leases to total assets | 80.0198% | 1,164 |
| Net loans and leases to deposits | 93.5639% | 1,954 |
| Net loans and leases to core deposits | 136.3289% | 1,082 |
| Total domestic deposits to total assets | 85.5242% | 2,956 |
| Equity capital to assets | 8.6191% | 6,088 |
| Core capital (leverage) ratio | 7.4874% | 6,993 |
| Tier 1 risk-based capital ratio | 8.9090% | 7,651 |
| Total risk-based capital ratio | 10.1817% | 7,667 |
| Memoranda: | ||
| Average total assets | $1,839,817,500 | 398 |
| Average earning assets | $1,643,625,750 | 403 |
| Average equity | $192,758,250 | 370 |
| Average total loans | $1,513,862,000 | 349 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4955% | 4,658 |
| Cost of funding earning assets | 2.0274% | 3,645 |
| Net interest margin | 3.4682% | 4,943 |
| Noninterest income to average assets | 1.4360% | 730 |
| Noninterest expense to average assets | 3.4139% | 2,583 |
| Loan and lease loss provision to assets | 3.0510% | 494 |
| Net operating income to assets | -1.1208% | 7,066 |
| Return on assets (ROA) | -1.1211% | 7,069 |
| Pretax return on assets | -1.9334% | 7,269 |
| Return on Equity (ROE) | -10.0159% | 7,034 |
| Retained earnings to average equity (ytd only) | -11.6892% | 7,031 |
| Net charge-offs to loans | 0.4290% | 3,085 |
| Credit loss provision to net charge-offs | 865.8865% | 552 |
| Earnings coverage of net charge-offs (x) | 3.1731% | 3,536 |
| Efficiency ratio | 73.8957% | 4,048 |
| Assets per employee ($millions) | 3.9512% | 3,773 |
| Cash dividends to net income (ytd only)* | -16.7070% | 7,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6241% | 799 |
| Loan loss allowance to noncurrent loans | 129.6266% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 2.0174% | 3,173 |
| Noncurrent loans to loans | 2.0244% | 3,480 |
| Net loans and leases to total assets | 79.6869% | 1,363 |
| Net loans and leases to deposits | 96.3583% | 1,738 |
| Net loans and leases to core deposits | 140.3929% | 996 |
| Total domestic deposits to total assets | 82.6986% | 4,382 |
| Equity capital to assets | 10.7640% | 3,150 |
| Core capital (leverage) ratio | 7.8664% | 6,534 |
| Tier 1 risk-based capital ratio | 8.6718% | 7,821 |
| Total risk-based capital ratio | 9.9247% | 7,860 |
| Memoranda: | ||
| Average total assets | $1,770,356,000 | 420 |
| Average earning assets | $1,580,376,000 | 423 |
| Average equity | $198,165,670 | 369 |
| Average total loans | $1,454,070,330 | 374 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9866% | 6,959 |
| Cost of funding earning assets | 2.2248% | 3,037 |
| Net interest margin | 2.7618% | 7,069 |
| Noninterest income to average assets | 1.3359% | 800 |
| Noninterest expense to average assets | 2.9224% | 4,081 |
| Loan and lease loss provision to assets | 2.6729% | 421 |
| Net operating income to assets | -1.0314% | 7,272 |
| Return on assets (ROA) | -1.0314% | 7,285 |
| Pretax return on assets | -1.7899% | 7,468 |
| Return on Equity (ROE) | -8.9792% | 7,299 |
| Retained earnings to average equity (ytd only) | -10.5056% | 7,159 |
| Net charge-offs to loans | 0.6154% | 1,942 |
| Credit loss provision to net charge-offs | 527.5000% | 1,045 |
| Earnings coverage of net charge-offs (x) | 1.7425% | 3,861 |
| Efficiency ratio | 75.2996% | 3,603 |
| Assets per employee ($millions) | 3.5859% | 4,602 |
| Cash dividends to net income (ytd only)* | -16.9983% | 8,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2682% | 986 |
| Loan loss allowance to noncurrent loans | 177.4155% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 1.3294% | 4,004 |
| Noncurrent loans to loans | 1.2785% | 4,422 |
| Net loans and leases to total assets | 81.4320% | 1,111 |
| Net loans and leases to deposits | 105.1548% | 931 |
| Net loans and leases to core deposits | 142.5338% | 984 |
| Total domestic deposits to total assets | 77.4401% | 6,168 |
| Equity capital to assets | 11.6092% | 2,520 |
| Core capital (leverage) ratio | 8.5930% | 5,357 |
| Tier 1 risk-based capital ratio | 9.6444% | 7,296 |
| Total risk-based capital ratio | 10.9073% | 7,215 |
| Memoranda: | ||
| Average total assets | $1,578,823,000 | 465 |
| Average earning assets | $1,411,695,500 | 469 |
| Average equity | $181,351,500 | 392 |
| Average total loans | $1,299,986,000 | 410 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9690% | 5,705 |
| Cost of funding earning assets | 2.6965% | 3,172 |
| Net interest margin | 3.2725% | 6,128 |
| Noninterest income to average assets | 1.1643% | 1,142 |
| Noninterest expense to average assets | 2.7879% | 4,874 |
| Loan and lease loss provision to assets | 0.7874% | 1,894 |
| Net operating income to assets | 0.3892% | 5,194 |
| Return on assets (ROA) | 0.3324% | 5,252 |
| Pretax return on assets | 0.4203% | 5,205 |
| Return on Equity (ROE) | 2.8233% | 5,297 |
| Retained earnings to average equity (ytd only) | -0.7791% | 5,535 |
| Net charge-offs to loans | 0.2566% | 3,704 |
| Credit loss provision to net charge-offs | 388.8344% | 1,141 |
| Earnings coverage of net charge-offs (x) | 6.3196% | 3,385 |
| Efficiency ratio | 67.0105% | 4,908 |
| Assets per employee ($millions) | 3.3461% | 5,102 |
| Cash dividends to net income (ytd only)* | 127.5965% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8065% | 1,620 |
| Loan loss allowance to noncurrent loans | 178.6542% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 1.0858% | 4,120 |
| Noncurrent loans to loans | 1.0112% | 4,561 |
| Net loans and leases to total assets | 79.8148% | 1,705 |
| Net loans and leases to deposits | 105.1345% | 1,208 |
| Net loans and leases to core deposits | 147.7513% | 948 |
| Total domestic deposits to total assets | 75.9169% | 6,263 |
| Equity capital to assets | 11.3547% | 2,745 |
| Core capital (leverage) ratio | 7.9598% | 6,555 |
| Tier 1 risk-based capital ratio | 8.8480% | 7,878 |
| Total risk-based capital ratio | 10.1051% | 7,910 |
| Memoranda: | ||
| Average total assets | $1,410,861,200 | 492 |
| Average earning assets | $1,251,687,200 | 502 |
| Average equity | $166,079,800 | 429 |
| Average total loans | $1,113,379,600 | 456 |