Home > AloStar Bank of Commerce > Performance and Condition Ratios
AloStar Bank of Commerce, Performance and Condition Ratios
| 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 | 4.5589% | 1,362 |
| Cost of funding earning assets | 0.8141% | 494 |
| Net interest margin | 3.7448% | 2,492 |
| Noninterest income to average assets | 1.3936% | 552 |
| Noninterest expense to average assets | 2.6939% | 3,110 |
| Loan and lease loss provision to assets | -0.0097% | 5,545 |
| Net operating income to assets | 1.4771% | 903 |
| Return on assets (ROA) | 1.4771% | 926 |
| Pretax return on assets | 2.4025% | 249 |
| Return on Equity (ROE) | 7.2906% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.2906% | 1,456 |
| Net charge-offs to loans | -0.3463% | 5,659 |
| Credit loss provision to net charge-offs | 3.5141% | 2,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8443% | 5,106 |
| Assets per employee ($millions) | 10.1651% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 2,065 |
| Loan loss allowance to noncurrent loans | 109.6256% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.0396% | 1,685 |
| Noncurrent loans to loans | 1.2546% | 1,541 |
| Net loans and leases to total assets | 81.7247% | 702 |
| Net loans and leases to deposits | 109.7563% | 265 |
| Net loans and leases to core deposits | 120.9938% | 517 |
| Total domestic deposits to total assets | 74.4601% | 5,253 |
| Equity capital to assets | 20.7019% | 196 |
| Core capital (leverage) ratio | 20.2024% | 199 |
| Tier 1 risk-based capital ratio | 21.5242% | 1,115 |
| Total risk-based capital ratio | 22.7052% | 1,097 |
| Memoranda: | ||
| Average total assets | $950,359,000 | 785 |
| Average earning assets | $937,244,330 | 729 |
| Average equity | $192,548,670 | 452 |
| Average total loans | $756,067,330 | 698 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3642% | 1,767 |
| Cost of funding earning assets | 0.7860% | 536 |
| Net interest margin | 3.5783% | 2,972 |
| Noninterest income to average assets | 2.2761% | 263 |
| Noninterest expense to average assets | 2.5548% | 3,646 |
| Loan and lease loss provision to assets | 0.0122% | 3,407 |
| Net operating income to assets | 1.9898% | 309 |
| Return on assets (ROA) | 1.9898% | 321 |
| Pretax return on assets | 3.2370% | 112 |
| Return on Equity (ROE) | 9.9283% | 1,991 |
| Retained earnings to average equity (ytd only) | 9.9283% | 824 |
| Net charge-offs to loans | -0.2306% | 5,641 |
| Credit loss provision to net charge-offs | -6.7757% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9028% | 5,599 |
| Assets per employee ($millions) | 10.1529% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 2,509 |
| Loan loss allowance to noncurrent loans | 67.5430% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 1.5630% | 1,005 |
| Noncurrent loans to loans | 1.9343% | 933 |
| Net loans and leases to total assets | 79.7457% | 868 |
| Net loans and leases to deposits | 105.2929% | 348 |
| Net loans and leases to core deposits | 115.3164% | 620 |
| Total domestic deposits to total assets | 75.7370% | 5,258 |
| Equity capital to assets | 20.4720% | 199 |
| Core capital (leverage) ratio | 19.5157% | 212 |
| Tier 1 risk-based capital ratio | 21.5521% | 1,148 |
| Total risk-based capital ratio | 22.6590% | 1,138 |
| Memoranda: | ||
| Average total assets | $952,861,500 | 791 |
| Average earning assets | $939,453,000 | 732 |
| Average equity | $190,970,000 | 454 |
| Average total loans | $742,420,000 | 711 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 1,996 |
| Cost of funding earning assets | 0.7718% | 570 |
| Net interest margin | 3.5729% | 3,175 |
| Noninterest income to average assets | 0.6338% | 2,482 |
| Noninterest expense to average assets | 2.7362% | 3,238 |
| Loan and lease loss provision to assets | 0.1574% | 1,584 |
| Net operating income to assets | 0.7712% | 3,451 |
| Return on assets (ROA) | 0.7988% | 3,414 |
| Pretax return on assets | 1.2921% | 2,308 |
| Return on Equity (ROE) | 4.2199% | 4,764 |
| Retained earnings to average equity (ytd only) | 4.2199% | 2,905 |
| Net charge-offs to loans | 0.4546% | 560 |
| Credit loss provision to net charge-offs | 45.7577% | 3,428 |
| Earnings coverage of net charge-offs (x) | 4.0890% | 3,558 |
| Efficiency ratio | 65.8164% | 3,622 |
| Assets per employee ($millions) | 10.0156% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,447 |
| Loan loss allowance to noncurrent loans | 126.1741% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7915% | 2,376 |
| Noncurrent loans to loans | 1.0442% | 1,988 |
| Net loans and leases to total assets | 74.0909% | 1,841 |
| Net loans and leases to deposits | 95.4877% | 1,048 |
| Net loans and leases to core deposits | 106.8668% | 1,076 |
| Total domestic deposits to total assets | 77.5921% | 5,036 |
| Equity capital to assets | 19.6192% | 217 |
| Core capital (leverage) ratio | 18.0516% | 281 |
| Tier 1 risk-based capital ratio | 22.1438% | 1,056 |
| Total risk-based capital ratio | 23.2562% | 1,053 |
| Memoranda: | ||
| Average total assets | $976,648,000 | 739 |
| Average earning assets | $959,103,400 | 687 |
| Average equity | $184,862,400 | 450 |
| Average total loans | $738,829,800 | 675 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 2,068 |
| Cost of funding earning assets | 0.7521% | 629 |
| Net interest margin | 3.5809% | 3,158 |
| Noninterest income to average assets | 0.6710% | 2,306 |
| Noninterest expense to average assets | 2.7391% | 3,224 |
| Loan and lease loss provision to assets | 0.3881% | 386 |
| Net operating income to assets | 0.6528% | 4,073 |
| Return on assets (ROA) | 0.6895% | 4,042 |
| Pretax return on assets | 1.1150% | 3,164 |
| Return on Equity (ROE) | 3.6755% | 5,031 |
| Retained earnings to average equity (ytd only) | 3.6755% | 3,689 |
| Net charge-offs to loans | 0.3935% | 556 |
| Credit loss provision to net charge-offs | 130.1414% | 1,972 |
| Earnings coverage of net charge-offs (x) | 4.8481% | 3,215 |
| Efficiency ratio | 65.2044% | 3,732 |
| Assets per employee ($millions) | 10.9393% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 1,417 |
| Loan loss allowance to noncurrent loans | 102.4865% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.1499% | 1,749 |
| Noncurrent loans to loans | 1.5786% | 1,371 |
| Net loans and leases to total assets | 70.9313% | 2,355 |
| Net loans and leases to deposits | 91.9133% | 1,511 |
| Net loans and leases to core deposits | 102.3711% | 1,453 |
| Total domestic deposits to total assets | 77.1720% | 5,051 |
| Equity capital to assets | 18.1804% | 330 |
| Core capital (leverage) ratio | 17.1515% | 355 |
| Tier 1 risk-based capital ratio | 21.1854% | 1,236 |
| Total risk-based capital ratio | 22.4367% | 1,213 |
| Memoranda: | ||
| Average total assets | $980,435,000 | 742 |
| Average earning assets | $962,126,750 | 691 |
| Average equity | $183,918,250 | 455 |
| Average total loans | $743,063,500 | 673 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 2,000 |
| Cost of funding earning assets | 0.7171% | 736 |
| Net interest margin | 3.6282% | 2,980 |
| Noninterest income to average assets | 0.7691% | 1,850 |
| Noninterest expense to average assets | 2.7474% | 3,210 |
| Loan and lease loss provision to assets | 0.7894% | 135 |
| Net operating income to assets | 0.4856% | 4,736 |
| Return on assets (ROA) | 0.5170% | 4,728 |
| Pretax return on assets | 0.8351% | 4,174 |
| Return on Equity (ROE) | 2.7260% | 5,326 |
| Retained earnings to average equity (ytd only) | 2.7260% | 4,173 |
| Net charge-offs to loans | 0.6388% | 324 |
| Credit loss provision to net charge-offs | 160.2947% | 1,526 |
| Earnings coverage of net charge-offs (x) | 3.1992% | 3,155 |
| Efficiency ratio | 63.2945% | 4,136 |
| Assets per employee ($millions) | 10.6319% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 1,399 |
| Loan loss allowance to noncurrent loans | 145.4535% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.8972% | 2,365 |
| Noncurrent loans to loans | 1.1359% | 2,029 |
| Net loans and leases to total assets | 74.4462% | 1,741 |
| Net loans and leases to deposits | 96.7401% | 997 |
| Net loans and leases to core deposits | 108.2141% | 1,029 |
| Total domestic deposits to total assets | 76.9549% | 5,165 |
| Equity capital to assets | 18.0758% | 334 |
| Core capital (leverage) ratio | 17.7591% | 314 |
| Tier 1 risk-based capital ratio | 23.0415% | 1,009 |
| Total risk-based capital ratio | 24.2958% | 989 |
| Memoranda: | ||
| Average total assets | $964,482,670 | 754 |
| Average earning assets | $944,702,330 | 702 |
| Average equity | $182,908,330 | 457 |
| Average total loans | $743,626,330 | 670 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3643% | 1,910 |
| Cost of funding earning assets | 0.6628% | 978 |
| Net interest margin | 3.7016% | 2,665 |
| Noninterest income to average assets | 0.5703% | 2,677 |
| Noninterest expense to average assets | 2.8057% | 3,044 |
| Loan and lease loss provision to assets | 0.6203% | 174 |
| Net operating income to assets | 0.4776% | 4,715 |
| Return on assets (ROA) | 0.4776% | 4,812 |
| Pretax return on assets | 0.7706% | 4,299 |
| Return on Equity (ROE) | 2.4556% | 5,386 |
| Retained earnings to average equity (ytd only) | 2.4556% | 4,278 |
| Net charge-offs to loans | -0.0329% | 5,106 |
| Credit loss provision to net charge-offs | -2,420.0000% | 4,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5615% | 3,705 |
| Assets per employee ($millions) | 10.2064% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 1,281 |
| Loan loss allowance to noncurrent loans | 87.1793% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.9598% | 902 |
| Noncurrent loans to loans | 1.9865% | 1,086 |
| Net loans and leases to total assets | 74.3884% | 1,664 |
| Net loans and leases to deposits | 98.5969% | 716 |
| Net loans and leases to core deposits | 109.4032% | 881 |
| Total domestic deposits to total assets | 75.4469% | 5,476 |
| Equity capital to assets | 18.6637% | 279 |
| Core capital (leverage) ratio | 19.5585% | 211 |
| Tier 1 risk-based capital ratio | 20.5273% | 1,398 |
| Total risk-based capital ratio | 21.7797% | 1,376 |
| Memoranda: | ||
| Average total assets | $936,392,000 | 773 |
| Average earning assets | $917,345,000 | 722 |
| Average equity | $182,116,000 | 458 |
| Average total loans | $729,134,000 | 684 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5260% | 1,519 |
| Cost of funding earning assets | 0.6236% | 1,212 |
| Net interest margin | 3.9024% | 2,022 |
| Noninterest income to average assets | 0.7701% | 1,899 |
| Noninterest expense to average assets | 3.3626% | 1,569 |
| Loan and lease loss provision to assets | 0.2304% | 864 |
| Net operating income to assets | 0.6011% | 4,262 |
| Return on assets (ROA) | 0.6174% | 4,285 |
| Pretax return on assets | 0.9949% | 3,494 |
| Return on Equity (ROE) | 3.0822% | 5,277 |
| Retained earnings to average equity (ytd only) | 3.0822% | 3,863 |
| Net charge-offs to loans | 0.3982% | 722 |
| Credit loss provision to net charge-offs | 82.5791% | 2,903 |
| Earnings coverage of net charge-offs (x) | 4.3000% | 3,580 |
| Efficiency ratio | 73.3425% | 2,684 |
| Assets per employee ($millions) | 9.5018% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 1,596 |
| Loan loss allowance to noncurrent loans | 67.7938% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 2.3381% | 687 |
| Noncurrent loans to loans | 2.3690% | 801 |
| Net loans and leases to total assets | 78.9377% | 1,000 |
| Net loans and leases to deposits | 108.3278% | 286 |
| Net loans and leases to core deposits | 118.9475% | 508 |
| Total domestic deposits to total assets | 72.8693% | 5,742 |
| Equity capital to assets | 20.3253% | 203 |
| Core capital (leverage) ratio | 19.7599% | 203 |
| Tier 1 risk-based capital ratio | 21.0075% | 1,298 |
| Total risk-based capital ratio | 22.2585% | 1,277 |
| Memoranda: | ||
| Average total assets | $894,900,600 | 769 |
| Average earning assets | $869,649,400 | 726 |
| Average equity | $179,256,200 | 450 |
| Average total loans | $627,051,400 | 744 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4822% | 1,652 |
| Cost of funding earning assets | 0.6198% | 1,279 |
| Net interest margin | 3.8624% | 2,151 |
| Noninterest income to average assets | 0.8371% | 1,662 |
| Noninterest expense to average assets | 3.3649% | 1,546 |
| Loan and lease loss provision to assets | 0.0511% | 3,182 |
| Net operating income to assets | 0.7245% | 3,791 |
| Return on assets (ROA) | 0.7462% | 3,795 |
| Pretax return on assets | 1.2025% | 2,811 |
| Return on Equity (ROE) | 3.7391% | 5,130 |
| Retained earnings to average equity (ytd only) | 3.7391% | 3,815 |
| Net charge-offs to loans | 0.5001% | 479 |
| Credit loss provision to net charge-offs | 15.1235% | 3,403 |
| Earnings coverage of net charge-offs (x) | 3.6111% | 3,479 |
| Efficiency ratio | 73.0235% | 2,712 |
| Assets per employee ($millions) | 9.6735% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 2,222 |
| Loan loss allowance to noncurrent loans | 85.0424% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.8120% | 1,178 |
| Noncurrent loans to loans | 1.7449% | 1,367 |
| Net loans and leases to total assets | 72.3719% | 2,002 |
| Net loans and leases to deposits | 101.0844% | 601 |
| Net loans and leases to core deposits | 111.0064% | 819 |
| Total domestic deposits to total assets | 71.5955% | 5,892 |
| Equity capital to assets | 19.7428% | 247 |
| Core capital (leverage) ratio | 20.0481% | 208 |
| Tier 1 risk-based capital ratio | 22.2099% | 1,163 |
| Total risk-based capital ratio | 23.4383% | 1,145 |
| Memoranda: | ||
| Average total assets | $895,333,750 | 777 |
| Average earning assets | $868,690,250 | 736 |
| Average equity | $178,685,500 | 458 |
| Average total loans | $604,675,750 | 777 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 1,474 |
| Cost of funding earning assets | 0.6176% | 1,299 |
| Net interest margin | 3.9027% | 1,967 |
| Noninterest income to average assets | 0.8474% | 1,612 |
| Noninterest expense to average assets | 3.5477% | 1,218 |
| Loan and lease loss provision to assets | -0.2975% | 6,224 |
| Net operating income to assets | 0.8557% | 3,105 |
| Return on assets (ROA) | 0.8886% | 3,066 |
| Pretax return on assets | 1.4308% | 1,859 |
| Return on Equity (ROE) | 4.4361% | 4,843 |
| Retained earnings to average equity (ytd only) | 4.4361% | 3,188 |
| Net charge-offs to loans | 0.4178% | 617 |
| Credit loss provision to net charge-offs | -108.7315% | 4,913 |
| Earnings coverage of net charge-offs (x) | 3.9547% | 3,112 |
| Efficiency ratio | 76.2401% | 2,319 |
| Assets per employee ($millions) | 9.1754% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6618% | 1,709 |
| Loan loss allowance to noncurrent loans | 69.3623% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 2.1660% | 980 |
| Noncurrent loans to loans | 2.3958% | 959 |
| Net loans and leases to total assets | 61.9211% | 3,560 |
| Net loans and leases to deposits | 86.9921% | 1,943 |
| Net loans and leases to core deposits | 92.7691% | 2,086 |
| Total domestic deposits to total assets | 71.1802% | 5,978 |
| Equity capital to assets | 20.0133% | 226 |
| Core capital (leverage) ratio | 20.4605% | 185 |
| Tier 1 risk-based capital ratio | 25.6134% | 811 |
| Total risk-based capital ratio | 26.8645% | 795 |
| Memoranda: | ||
| Average total assets | $887,449,670 | 790 |
| Average earning assets | $860,081,670 | 748 |
| Average equity | $177,769,330 | 462 |
| Average total loans | $581,199,000 | 808 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 1,485 |
| Cost of funding earning assets | 0.6134% | 1,344 |
| Net interest margin | 3.8799% | 1,966 |
| Noninterest income to average assets | 0.4732% | 3,483 |
| Noninterest expense to average assets | 3.6425% | 1,075 |
| Loan and lease loss provision to assets | -0.0817% | 6,189 |
| Net operating income to assets | 0.4133% | 5,021 |
| Return on assets (ROA) | 0.4510% | 4,984 |
| Pretax return on assets | 0.7169% | 4,545 |
| Return on Equity (ROE) | 2.2505% | 5,624 |
| Retained earnings to average equity (ytd only) | 2.2505% | 4,558 |
| Net charge-offs to loans | -0.0095% | 4,699 |
| Credit loss provision to net charge-offs | 1,285.7143% | 278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8894% | 1,191 |
| Assets per employee ($millions) | 8.8692% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0228% | 1,036 |
| Loan loss allowance to noncurrent loans | 62.8174% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 2.8658% | 683 |
| Noncurrent loans to loans | 3.2202% | 636 |
| Net loans and leases to total assets | 66.3043% | 2,724 |
| Net loans and leases to deposits | 95.6516% | 853 |
| Net loans and leases to core deposits | 102.4984% | 1,146 |
| Total domestic deposits to total assets | 69.3186% | 6,156 |
| Equity capital to assets | 20.6276% | 200 |
| Core capital (leverage) ratio | 20.4175% | 191 |
| Tier 1 risk-based capital ratio | 25.8817% | 797 |
| Total risk-based capital ratio | 27.1375% | 781 |
| Memoranda: | ||
| Average total assets | $881,581,500 | 795 |
| Average earning assets | $851,047,000 | 758 |
| Average equity | $176,675,500 | 464 |
| Average total loans | $588,701,000 | 794 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8270% | 1,056 |
| Cost of funding earning assets | 0.7351% | 922 |
| Net interest margin | 4.0919% | 1,603 |
| Noninterest income to average assets | 0.9812% | 1,257 |
| Noninterest expense to average assets | 3.7888% | 1,003 |
| Loan and lease loss provision to assets | 0.1678% | 1,557 |
| Net operating income to assets | 0.5966% | 4,383 |
| Return on assets (ROA) | 0.6313% | 4,336 |
| Pretax return on assets | 0.9888% | 3,544 |
| Return on Equity (ROE) | 3.2566% | 5,395 |
| Retained earnings to average equity (ytd only) | 3.2566% | 3,911 |
| Net charge-offs to loans | 2.4165% | 62 |
| Credit loss provision to net charge-offs | 10.5439% | 4,098 |
| Earnings coverage of net charge-offs (x) | 0.6927% | 4,586 |
| Efficiency ratio | 77.0042% | 2,350 |
| Assets per employee ($millions) | 9.2128% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0065% | 1,103 |
| Loan loss allowance to noncurrent loans | 48.7290% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 3.3908% | 559 |
| Noncurrent loans to loans | 4.1178% | 433 |
| Net loans and leases to total assets | 64.6018% | 3,121 |
| Net loans and leases to deposits | 91.9058% | 1,299 |
| Net loans and leases to core deposits | 98.3746% | 1,521 |
| Total domestic deposits to total assets | 70.2913% | 6,182 |
| Equity capital to assets | 19.4815% | 248 |
| Core capital (leverage) ratio | 19.3023% | 233 |
| Tier 1 risk-based capital ratio | 24.5940% | 879 |
| Total risk-based capital ratio | 25.8491% | 862 |
| Memoranda: | ||
| Average total assets | $886,245,400 | 751 |
| Average earning assets | $846,826,800 | 722 |
| Average equity | $171,803,400 | 462 |
| Average total loans | $583,622,800 | 754 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8865% | 957 |
| Cost of funding earning assets | 0.7594% | 853 |
| Net interest margin | 4.1271% | 1,494 |
| Noninterest income to average assets | 0.5964% | 2,900 |
| Noninterest expense to average assets | 3.7363% | 1,069 |
| Loan and lease loss provision to assets | 0.2846% | 714 |
| Net operating income to assets | 0.3358% | 5,471 |
| Return on assets (ROA) | 0.3838% | 5,384 |
| Pretax return on assets | 0.5839% | 5,072 |
| Return on Equity (ROE) | 1.9822% | 5,848 |
| Retained earnings to average equity (ytd only) | 1.9822% | 5,064 |
| Net charge-offs to loans | 1.4565% | 168 |
| Credit loss provision to net charge-offs | 29.6816% | 3,455 |
| Earnings coverage of net charge-offs (x) | 0.8299% | 4,307 |
| Efficiency ratio | 81.9270% | 1,631 |
| Assets per employee ($millions) | 8.7421% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8940% | 398 |
| Loan loss allowance to noncurrent loans | 55.7560% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 4.0922% | 469 |
| Noncurrent loans to loans | 5.1904% | 331 |
| Net loans and leases to total assets | 66.9945% | 2,686 |
| Net loans and leases to deposits | 94.0366% | 1,038 |
| Net loans and leases to core deposits | 101.3869% | 1,258 |
| Total domestic deposits to total assets | 71.2431% | 6,217 |
| Equity capital to assets | 18.7775% | 282 |
| Core capital (leverage) ratio | 18.8181% | 262 |
| Tier 1 risk-based capital ratio | 23.4334% | 1,058 |
| Total risk-based capital ratio | 24.6987% | 1,041 |
| Memoranda: | ||
| Average total assets | $882,094,000 | 759 |
| Average earning assets | $841,175,500 | 728 |
| Average equity | $170,782,000 | 459 |
| Average total loans | $580,728,250 | 757 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0492% | 683 |
| Cost of funding earning assets | 0.7849% | 771 |
| Net interest margin | 4.2643% | 1,102 |
| Noninterest income to average assets | 0.5098% | 3,405 |
| Noninterest expense to average assets | 3.6902% | 1,154 |
| Loan and lease loss provision to assets | 0.3022% | 649 |
| Net operating income to assets | 0.3766% | 5,304 |
| Return on assets (ROA) | 0.4220% | 5,210 |
| Pretax return on assets | 0.6422% | 4,809 |
| Return on Equity (ROE) | 2.1568% | 5,806 |
| Retained earnings to average equity (ytd only) | 2.1568% | 4,814 |
| Net charge-offs to loans | 2.1207% | 103 |
| Credit loss provision to net charge-offs | 22.0194% | 3,177 |
| Earnings coverage of net charge-offs (x) | 0.6380% | 4,006 |
| Efficiency ratio | 80.2869% | 1,983 |
| Assets per employee ($millions) | 8.4445% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9129% | 427 |
| Loan loss allowance to noncurrent loans | 47.0776% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 4.5940% | 421 |
| Noncurrent loans to loans | 6.1874% | 244 |
| Net loans and leases to total assets | 66.2625% | 2,718 |
| Net loans and leases to deposits | 93.0741% | 1,042 |
| Net loans and leases to core deposits | 100.8400% | 1,215 |
| Total domestic deposits to total assets | 71.1933% | 6,306 |
| Equity capital to assets | 18.8729% | 270 |
| Core capital (leverage) ratio | 19.0864% | 236 |
| Tier 1 risk-based capital ratio | 24.2143% | 958 |
| Total risk-based capital ratio | 25.4804% | 938 |
| Memoranda: | ||
| Average total assets | $870,152,670 | 770 |
| Average earning assets | $827,653,330 | 741 |
| Average equity | $170,255,330 | 453 |
| Average total loans | $563,210,330 | 777 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1780% | 511 |
| Cost of funding earning assets | 0.8429% | 604 |
| Net interest margin | 4.3350% | 931 |
| Noninterest income to average assets | 0.6170% | 2,633 |
| Noninterest expense to average assets | 3.4347% | 1,621 |
| Loan and lease loss provision to assets | 0.6811% | 180 |
| Net operating income to assets | 0.3966% | 5,130 |
| Return on assets (ROA) | 0.3966% | 5,201 |
| Pretax return on assets | 0.6071% | 4,805 |
| Return on Equity (ROE) | 1.9891% | 5,789 |
| Retained earnings to average equity (ytd only) | 1.9891% | 4,807 |
| Net charge-offs to loans | 2.3524% | 100 |
| Credit loss provision to net charge-offs | 46.0803% | 2,247 |
| Earnings coverage of net charge-offs (x) | 0.8716% | 3,245 |
| Efficiency ratio | 72.1751% | 3,455 |
| Assets per employee ($millions) | 8.0728% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6981% | 238 |
| Loan loss allowance to noncurrent loans | 46.8988% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 5.5886% | 333 |
| Noncurrent loans to loans | 7.8852% | 170 |
| Net loans and leases to total assets | 61.8652% | 3,261 |
| Net loans and leases to deposits | 87.5705% | 1,410 |
| Net loans and leases to core deposits | 94.1737% | 1,537 |
| Total domestic deposits to total assets | 70.6462% | 6,420 |
| Equity capital to assets | 19.2042% | 251 |
| Core capital (leverage) ratio | 19.8925% | 210 |
| Tier 1 risk-based capital ratio | 26.6384% | 735 |
| Total risk-based capital ratio | 27.9136% | 722 |
| Memoranda: | ||
| Average total assets | $849,227,500 | 797 |
| Average earning assets | $804,328,500 | 772 |
| Average equity | $169,322,500 | 455 |
| Average total loans | $533,592,000 | 823 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9796% | 180 |
| Cost of funding earning assets | 0.7830% | 1,301 |
| Net interest margin | 5.1967% | 217 |
| Noninterest income to average assets | 0.4070% | 4,392 |
| Noninterest expense to average assets | 5.3176% | 278 |
| Loan and lease loss provision to assets | 0.1781% | 2,076 |
| Net operating income to assets | -0.2831% | 6,408 |
| Return on assets (ROA) | 0.0604% | 6,162 |
| Pretax return on assets | 0.0279% | 6,191 |
| Return on Equity (ROE) | 0.2725% | 6,204 |
| Retained earnings to average equity (ytd only) | 0.2725% | 5,728 |
| Net charge-offs to loans | 0.5055% | 1,313 |
| Credit loss provision to net charge-offs | 74.1883% | 3,192 |
| Earnings coverage of net charge-offs (x) | -0.5725% | 5,213 |
| Efficiency ratio | 102.0237% | 425 |
| Assets per employee ($millions) | 7.5042% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5877% | 123 |
| Loan loss allowance to noncurrent loans | 52.5226% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 5.8129% | 337 |
| Noncurrent loans to loans | 8.7346% | 158 |
| Net loans and leases to total assets | 58.4779% | 3,958 |
| Net loans and leases to deposits | 88.6188% | 1,397 |
| Net loans and leases to core deposits | 93.0118% | 1,673 |
| Total domestic deposits to total assets | 65.9881% | 6,631 |
| Equity capital to assets | 20.7429% | 174 |
| Core capital (leverage) ratio | 22.0027% | 134 |
| Tier 1 risk-based capital ratio | 30.3032% | 487 |
| Total risk-based capital ratio | 31.5880% | 483 |
| Memoranda: | ||
| Average total assets | $769,806,600 | 869 |
| Average earning assets | $707,068,400 | 856 |
| Average equity | $170,618,000 | 438 |
| Average total loans | $365,613,000 | 1,165 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7196% | 272 |
| Cost of funding earning assets | 0.8058% | 1,289 |
| Net interest margin | 4.9138% | 361 |
| Noninterest income to average assets | 0.3575% | 4,835 |
| Noninterest expense to average assets | 4.6108% | 465 |
| Loan and lease loss provision to assets | 0.4040% | 744 |
| Net operating income to assets | -0.1382% | 6,422 |
| Return on assets (ROA) | 0.2240% | 5,937 |
| Pretax return on assets | 0.2836% | 5,910 |
| Return on Equity (ROE) | 0.9935% | 6,183 |
| Retained earnings to average equity (ytd only) | 0.9935% | 5,581 |
| Net charge-offs to loans | 0.3032% | 2,017 |
| Credit loss provision to net charge-offs | 304.0951% | 835 |
| Earnings coverage of net charge-offs (x) | 1.7252% | 4,262 |
| Efficiency ratio | 94.5641% | 705 |
| Assets per employee ($millions) | 6.8215% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1354% | 49 |
| Loan loss allowance to noncurrent loans | 56.8763% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 6.2620% | 362 |
| Noncurrent loans to loans | 10.7873% | 107 |
| Net loans and leases to total assets | 49.2408% | 5,220 |
| Net loans and leases to deposits | 77.4906% | 2,743 |
| Net loans and leases to core deposits | 80.8870% | 3,019 |
| Total domestic deposits to total assets | 63.5442% | 6,759 |
| Equity capital to assets | 22.0970% | 144 |
| Core capital (leverage) ratio | 22.1486% | 130 |
| Tier 1 risk-based capital ratio | 36.0561% | 310 |
| Total risk-based capital ratio | 37.3556% | 301 |
| Memoranda: | ||
| Average total assets | $759,645,250 | 888 |
| Average earning assets | $692,970,250 | 877 |
| Average equity | $171,244,750 | 439 |
| Average total loans | $332,835,500 | 1,285 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7123% | 273 |
| Cost of funding earning assets | 0.8098% | 1,369 |
| Net interest margin | 4.9026% | 366 |
| Noninterest income to average assets | 0.3014% | 5,297 |
| Noninterest expense to average assets | 4.6648% | 460 |
| Loan and lease loss provision to assets | 0.4035% | 767 |
| Net operating income to assets | -0.2570% | 6,525 |
| Return on assets (ROA) | 0.2289% | 5,949 |
| Pretax return on assets | 0.2812% | 5,921 |
| Return on Equity (ROE) | 1.0085% | 6,210 |
| Retained earnings to average equity (ytd only) | 1.0085% | 5,499 |
| Net charge-offs to loans | 0.3100% | 1,946 |
| Credit loss provision to net charge-offs | 318.3716% | 814 |
| Earnings coverage of net charge-offs (x) | 0.6701% | 4,299 |
| Efficiency ratio | 97.6939% | 583 |
| Assets per employee ($millions) | 6.6899% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9237% | 29 |
| Loan loss allowance to noncurrent loans | 45.7619% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 7.7482% | 277 |
| Noncurrent loans to loans | 15.1299% | 49 |
| Net loans and leases to total assets | 44.0110% | 5,737 |
| Net loans and leases to deposits | 71.3206% | 3,542 |
| Net loans and leases to core deposits | 74.3562% | 3,753 |
| Total domestic deposits to total assets | 61.7086% | 6,823 |
| Equity capital to assets | 22.6892% | 123 |
| Core capital (leverage) ratio | 22.8841% | 113 |
| Tier 1 risk-based capital ratio | 43.2406% | 189 |
| Total risk-based capital ratio | 44.5516% | 188 |
| Memoranda: | ||
| Average total assets | $755,917,000 | 887 |
| Average earning assets | $685,884,670 | 887 |
| Average equity | $171,549,670 | 442 |
| Average total loans | $308,989,670 | 1,369 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8747% | 205 |
| Cost of funding earning assets | 0.8152% | 1,442 |
| Net interest margin | 5.0595% | 261 |
| Noninterest income to average assets | 0.2135% | 5,951 |
| Noninterest expense to average assets | 4.7328% | 444 |
| Loan and lease loss provision to assets | 0.4007% | 770 |
| Net operating income to assets | -0.3198% | 6,590 |
| Return on assets (ROA) | 0.1825% | 6,055 |
| Pretax return on assets | 0.2051% | 6,067 |
| Return on Equity (ROE) | 0.8042% | 6,258 |
| Retained earnings to average equity (ytd only) | 0.8042% | 5,515 |
| Net charge-offs to loans | 0.3848% | 1,492 |
| Credit loss provision to net charge-offs | 275.8123% | 859 |
| Earnings coverage of net charge-offs (x) | 0.2852% | 3,718 |
| Efficiency ratio | 98.6267% | 606 |
| Assets per employee ($millions) | 6.7327% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6051% | 31 |
| Loan loss allowance to noncurrent loans | 41.8073% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 8.8509% | 262 |
| Noncurrent loans to loans | 18.1908% | 39 |
| Net loans and leases to total assets | 38.6125% | 6,109 |
| Net loans and leases to deposits | 62.6761% | 4,455 |
| Net loans and leases to core deposits | 66.7099% | 4,441 |
| Total domestic deposits to total assets | 61.6065% | 6,901 |
| Equity capital to assets | 23.1587% | 124 |
| Core capital (leverage) ratio | 22.1833% | 128 |
| Tier 1 risk-based capital ratio | 51.1046% | 127 |
| Total risk-based capital ratio | 52.4169% | 125 |
| Memoranda: | ||
| Average total assets | $762,588,500 | 891 |
| Average earning assets | $687,419,000 | 894 |
| Average equity | $173,082,500 | 442 |
| Average total loans | $287,922,000 | 1,473 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7818% | 381 |
| Cost of funding earning assets | 0.8825% | 2,056 |
| Net interest margin | 4.8994% | 448 |
| Noninterest income to average assets | 0.0945% | 6,530 |
| Noninterest expense to average assets | 3.8581% | 1,157 |
| Loan and lease loss provision to assets | 0.8535% | 547 |
| Net operating income to assets | -0.2034% | 6,382 |
| Return on assets (ROA) | -0.0893% | 6,380 |
| Pretax return on assets | -0.2117% | 6,430 |
| Return on Equity (ROE) | -0.4138% | 6,341 |
| Retained earnings to average equity (ytd only) | -0.4138% | 5,924 |
| Net charge-offs to loans | 1.3525% | 700 |
| Credit loss provision to net charge-offs | 246.9550% | 995 |
| Earnings coverage of net charge-offs (x) | 1.3409% | 4,788 |
| Efficiency ratio | 88.4057% | 1,208 |
| Assets per employee ($millions) | 7.1362% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8283% | 23 |
| Loan loss allowance to noncurrent loans | 49.1466% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 7.8749% | 360 |
| Noncurrent loans to loans | 17.9632% | 45 |
| Net loans and leases to total assets | 30.8883% | 6,668 |
| Net loans and leases to deposits | 51.7641% | 5,822 |
| Net loans and leases to core deposits | 55.0764% | 5,785 |
| Total domestic deposits to total assets | 59.6712% | 6,973 |
| Equity capital to assets | 22.2528% | 149 |
| Core capital (leverage) ratio | 22.2452% | 128 |
| Tier 1 risk-based capital ratio | 58.3525% | 100 |
| Total risk-based capital ratio | 59.6866% | 99 |
| Memoranda: | ||
| Average total assets | $802,909,200 | 820 |
| Average earning assets | $692,721,000 | 877 |
| Average equity | $173,254,200 | 434 |
| Average total loans | $205,174,400 | 1,966 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7409% | 430 |
| Cost of funding earning assets | 0.8973% | 2,189 |
| Net interest margin | 4.8435% | 529 |
| Noninterest income to average assets | 0.1977% | 6,114 |
| Noninterest expense to average assets | 4.6881% | 464 |
| Loan and lease loss provision to assets | 0.3033% | 2,179 |
| Net operating income to assets | -0.3642% | 6,627 |
| Return on assets (ROA) | -0.2132% | 6,579 |
| Pretax return on assets | -0.4212% | 6,669 |
| Return on Equity (ROE) | -0.9956% | 6,504 |
| Retained earnings to average equity (ytd only) | -0.9956% | 6,274 |
| Net charge-offs to loans | 1.9217% | 391 |
| Credit loss provision to net charge-offs | 67.0186% | 3,980 |
| Earnings coverage of net charge-offs (x) | -0.7816% | 5,551 |
| Efficiency ratio | 107.2800% | 353 |
| Assets per employee ($millions) | 7.0742% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5749% | 33 |
| Loan loss allowance to noncurrent loans | 36.2489% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 8.6892% | 326 |
| Noncurrent loans to loans | 20.8969% | 35 |
| Net loans and leases to total assets | 30.4801% | 6,801 |
| Net loans and leases to deposits | 53.2038% | 5,874 |
| Net loans and leases to core deposits | 55.7656% | 5,909 |
| Total domestic deposits to total assets | 57.2894% | 7,087 |
| Equity capital to assets | 23.2139% | 136 |
| Core capital (leverage) ratio | 22.0205% | 142 |
| Tier 1 risk-based capital ratio | 61.5456% | 91 |
| Total risk-based capital ratio | 62.8650% | 90 |
| Memoranda: | ||
| Average total assets | $809,176,000 | 819 |
| Average earning assets | $691,076,000 | 882 |
| Average equity | $173,294,750 | 432 |
| Average total loans | $190,586,250 | 2,111 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9761% | 303 |
| Cost of funding earning assets | 0.9034% | 2,369 |
| Net interest margin | 5.0726% | 357 |
| Noninterest income to average assets | 0.4039% | 4,620 |
| Noninterest expense to average assets | 3.7995% | 1,214 |
| Loan and lease loss provision to assets | 1.3586% | 286 |
| Net operating income to assets | -0.1749% | 6,517 |
| Return on assets (ROA) | -0.0089% | 6,463 |
| Pretax return on assets | -0.2073% | 6,592 |
| Return on Equity (ROE) | -0.0428% | 6,459 |
| Retained earnings to average equity (ytd only) | -0.0428% | 6,040 |
| Net charge-offs to loans | 7.1620% | 21 |
| Credit loss provision to net charge-offs | 91.5908% | 2,994 |
| Earnings coverage of net charge-offs (x) | 0.6013% | 4,765 |
| Efficiency ratio | 80.1749% | 2,145 |
| Assets per employee ($millions) | 8.3467% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.4925% | 9 |
| Loan loss allowance to noncurrent loans | 40.7760% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 8.8441% | 353 |
| Noncurrent loans to loans | 30.6368% | 8 |
| Net loans and leases to total assets | 20.2136% | 7,079 |
| Net loans and leases to deposits | 35.8105% | 6,881 |
| Net loans and leases to core deposits | 36.5318% | 6,904 |
| Total domestic deposits to total assets | 56.4460% | 7,160 |
| Equity capital to assets | 21.0276% | 198 |
| Core capital (leverage) ratio | 21.1117% | 161 |
| Tier 1 risk-based capital ratio | 79.5845% | 60 |
| Total risk-based capital ratio | 80.9527% | 59 |
| Memoranda: | ||
| Average total assets | $828,948,000 | 799 |
| Average earning assets | $700,661,670 | 866 |
| Average equity | $173,035,670 | 436 |
| Average total loans | $171,685,000 | 2,331 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8760% | 369 |
| Cost of funding earning assets | 0.9161% | 2,561 |
| Net interest margin | 4.9599% | 425 |
| Noninterest income to average assets | 0.3796% | 4,823 |
| Noninterest expense to average assets | 3.1017% | 2,911 |
| Loan and lease loss provision to assets | 1.8346% | 167 |
| Net operating income to assets | -0.3637% | 6,745 |
| Return on assets (ROA) | -0.3637% | 6,786 |
| Pretax return on assets | -0.3830% | 6,774 |
| Return on Equity (ROE) | -1.7489% | 6,669 |
| Retained earnings to average equity (ytd only) | -1.7489% | 6,248 |
| Net charge-offs to loans | 0.6540% | 1,495 |
| Credit loss provision to net charge-offs | 1,436.9811% | 243 |
| Earnings coverage of net charge-offs (x) | 11.3698% | 1,675 |
| Efficiency ratio | 67.2733% | 4,306 |
| Assets per employee ($millions) | 7.4656% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.9898% | 4 |
| Loan loss allowance to noncurrent loans | 38.0965% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 10.6714% | 262 |
| Noncurrent loans to loans | 36.7219% | 5 |
| Net loans and leases to total assets | 17.5685% | 7,170 |
| Net loans and leases to deposits | 30.4379% | 7,045 |
| Net loans and leases to core deposits | 31.6609% | 7,043 |
| Total domestic deposits to total assets | 57.7192% | 7,212 |
| Equity capital to assets | 21.4337% | 165 |
| Core capital (leverage) ratio | 20.4265% | 180 |
| Tier 1 risk-based capital ratio | 91.6296% | 51 |
| Total risk-based capital ratio | 93.0131% | 50 |
| Memoranda: | ||
| Average total assets | $830,260,000 | 799 |
| Average earning assets | $698,642,000 | 869 |
| Average equity | $172,675,500 | 430 |
| Average total loans | $162,090,000 | 2,450 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1957% | 6,064 |
| Cost of funding earning assets | 0.6493% | 5,832 |
| Net interest margin | 3.5464% | 4,957 |
| Noninterest income to average assets | 4.1542% | 147 |
| Noninterest expense to average assets | 2.1836% | 6,304 |
| Loan and lease loss provision to assets | 2.3351% | 209 |
| Net operating income to assets | 1.6166% | 644 |
| Return on assets (ROA) | 1.5432% | 819 |
| Pretax return on assets | 2.5002% | 207 |
| Return on Equity (ROE) | 7.6125% | 3,096 |
| Retained earnings to average equity (ytd only) | 7.6125% | 1,221 |
| Net charge-offs to loans | 3.6519% | 192 |
| Credit loss provision to net charge-offs | 309.2879% | 753 |
| Earnings coverage of net charge-offs (x) | 6.5562% | 2,494 |
| Efficiency ratio | 30.2068% | 7,296 |
| Assets per employee ($millions) | 7.9835% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.5013% | 9 |
| Loan loss allowance to noncurrent loans | 30.6696% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 10.7769% | 278 |
| Noncurrent loans to loans | 40.7611% | 3 |
| Net loans and leases to total assets | 16.3363% | 7,247 |
| Net loans and leases to deposits | 28.0853% | 7,170 |
| Net loans and leases to core deposits | 29.0993% | 7,165 |
| Total domestic deposits to total assets | 58.1665% | 7,251 |
| Equity capital to assets | 20.1975% | 226 |
| Core capital (leverage) ratio | 19.8939% | 207 |
| Tier 1 risk-based capital ratio | 99.6621% | 51 |
| Total risk-based capital ratio | 101.0351% | 51 |
| Memoranda: | ||
| Average total assets | $855,622,000 | 761 |
| Average earning assets | $718,806,000 | 828 |
| Average equity | $173,451,000 | 408 |
| Average total loans | $176,896,330 | 2,297 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6376% | 6,988 |
| Cost of funding earning assets | 0.5500% | 6,515 |
| Net interest margin | 3.0876% | 6,412 |
| Noninterest income to average assets | 4.1990% | 147 |
| Noninterest expense to average assets | 1.4793% | 7,240 |
| Loan and lease loss provision to assets | 1.0525% | 797 |
| Net operating income to assets | 2.6248% | 125 |
| Return on assets (ROA) | 2.6248% | 132 |
| Pretax return on assets | 4.2613% | 75 |
| Return on Equity (ROE) | 12.9244% | 1,301 |
| Retained earnings to average equity (ytd only) | 12.9244% | 388 |
| Net charge-offs to loans | -0.0108% | 6,791 |
| Credit loss provision to net charge-offs | -45,066.6667% | 6,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.4055% | 7,397 |
| Assets per employee ($millions) | 8.9389% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8354% | 447 |
| Loan loss allowance to noncurrent loans | 10.3633% | 6,892 |
| Noncurrent assets plus other real estate owned to assets | 10.5767% | 324 |
| Noncurrent loans to loans | 37.0099% | 8 |
| Net loans and leases to total assets | 19.7950% | 7,285 |
| Net loans and leases to deposits | 33.4905% | 7,142 |
| Net loans and leases to core deposits | 34.4983% | 7,154 |
| Total domestic deposits to total assets | 59.1064% | 7,312 |
| Equity capital to assets | 20.3900% | 229 |
| Core capital (leverage) ratio | 19.9820% | 222 |
| Tier 1 risk-based capital ratio | 93.5605% | 63 |
| Total risk-based capital ratio | 94.8338% | 63 |
| Memoranda: | ||
| Average total assets | $856,315,500 | 768 |
| Average earning assets | $719,461,000 | 830 |
| Average equity | $173,909,500 | 416 |
| Average total loans | $185,600,500 | 2,194 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5514% | 7,414 |
| Cost of funding earning assets | 0.3683% | 7,193 |
| Net interest margin | 2.1832% | 7,322 |
| Noninterest income to average assets | 6.1830% | 111 |
| Noninterest expense to average assets | 0.8386% | 7,467 |
| Loan and lease loss provision to assets | 0.7118% | 1,323 |
| Net operating income to assets | 3.9796% | 63 |
| Return on assets (ROA) | 3.9796% | 64 |
| Pretax return on assets | 6.4599% | 51 |
| Return on Equity (ROE) | 19.6742% | 333 |
| Retained earnings to average equity (ytd only) | 19.6742% | 98 |
| Net charge-offs to loans | -0.0082% | 6,647 |
| Credit loss provision to net charge-offs | -38,012.5000% | 6,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.2501% | 7,494 |
| Assets per employee ($millions) | 10.6813% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 3,837 |
| Loan loss allowance to noncurrent loans | 5.8311% | 6,982 |
| Noncurrent assets plus other real estate owned to assets | 9.4399% | 436 |
| Noncurrent loans to loans | 26.8757% | 24 |
| Net loans and leases to total assets | 22.4119% | 7,341 |
| Net loans and leases to deposits | 37.9976% | 7,121 |
| Net loans and leases to core deposits | 38.8974% | 7,147 |
| Total domestic deposits to total assets | 58.9826% | 7,386 |
| Equity capital to assets | 20.2277% | 248 |
| Core capital (leverage) ratio | 19.9111% | 229 |
| Tier 1 risk-based capital ratio | 87.3821% | 63 |
| Total risk-based capital ratio | 88.6280% | 63 |
| Memoranda: | ||
| Average total assets | $854,500,000 | 776 |
| Average earning assets | $715,205,000 | 852 |
| Average equity | $172,846,000 | 422 |
| Average total loans | $194,559,000 | 2,134 |