Home > American Bank > Performance and Condition Ratios
American Bank, Performance and Condition Ratios
| 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 | 2.7303% | 5,921 |
| Cost of funding earning assets | 0.8448% | 382 |
| Net interest margin | 1.8855% | 6,064 |
| Noninterest income to average assets | 7.0563% | 90 |
| Noninterest expense to average assets | 7.4895% | 123 |
| Loan and lease loss provision to assets | -0.0550% | 5,761 |
| Net operating income to assets | 0.8454% | 3,136 |
| Return on assets (ROA) | 0.8454% | 3,201 |
| Pretax return on assets | 1.3959% | 1,922 |
| Return on Equity (ROE) | 6.5399% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.5399% | 1,516 |
| Net charge-offs to loans | 0.2297% | 1,296 |
| Credit loss provision to net charge-offs | -53.6765% | 5,056 |
| Earnings coverage of net charge-offs (x) | 13.0858% | 2,401 |
| Efficiency ratio | 84.7696% | 1,116 |
| Assets per employee ($millions) | 1.4856% | 6,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7777% | 5,469 |
| Loan loss allowance to noncurrent loans | 15.9805% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 3.4336% | 351 |
| Noncurrent loans to loans | 4.8664% | 202 |
| Net loans and leases to total assets | 54.8860% | 4,404 |
| Net loans and leases to deposits | 66.6435% | 4,255 |
| Net loans and leases to core deposits | 68.0265% | 4,450 |
| Total domestic deposits to total assets | 82.3577% | 4,070 |
| Equity capital to assets | 16.4983% | 468 |
| Core capital (leverage) ratio | 14.5207% | 708 |
| Tier 1 risk-based capital ratio | 44.1685% | 182 |
| Total risk-based capital ratio | 45.3205% | 179 |
| Memoranda: | ||
| Average total assets | $398,168,200 | 1,657 |
| Average earning assets | $374,646,000 | 1,625 |
| Average equity | $51,468,600 | 1,440 |
| Average total loans | $177,636,800 | 2,264 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7043% | 6,019 |
| Cost of funding earning assets | 0.8804% | 317 |
| Net interest margin | 1.8239% | 6,168 |
| Noninterest income to average assets | 6.4339% | 102 |
| Noninterest expense to average assets | 6.0638% | 176 |
| Loan and lease loss provision to assets | -0.0699% | 5,957 |
| Net operating income to assets | 1.3031% | 1,337 |
| Return on assets (ROA) | 1.3031% | 1,387 |
| Pretax return on assets | 2.1586% | 453 |
| Return on Equity (ROE) | 10.6431% | 1,848 |
| Retained earnings to average equity (ytd only) | 10.6431% | 530 |
| Net charge-offs to loans | 0.5712% | 399 |
| Credit loss provision to net charge-offs | -28.7402% | 4,913 |
| Earnings coverage of net charge-offs (x) | 8.5906% | 2,792 |
| Efficiency ratio | 74.3288% | 2,502 |
| Assets per employee ($millions) | 1.9189% | 6,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6057% | 5,883 |
| Loan loss allowance to noncurrent loans | 15.5393% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 2.1409% | 915 |
| Noncurrent loans to loans | 3.8981% | 346 |
| Net loans and leases to total assets | 39.6456% | 5,609 |
| Net loans and leases to deposits | 56.7452% | 5,086 |
| Net loans and leases to core deposits | 57.7915% | 5,200 |
| Total domestic deposits to total assets | 69.8660% | 5,978 |
| Equity capital to assets | 12.6540% | 1,651 |
| Core capital (leverage) ratio | 13.0811% | 1,176 |
| Tier 1 risk-based capital ratio | 43.3993% | 205 |
| Total risk-based capital ratio | 44.2283% | 207 |
| Memoranda: | ||
| Average total assets | $417,859,750 | 1,593 |
| Average earning assets | $393,733,750 | 1,564 |
| Average equity | $51,161,750 | 1,455 |
| Average total loans | $177,875,750 | 2,268 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7315% | 6,055 |
| Cost of funding earning assets | 0.8833% | 313 |
| Net interest margin | 1.8482% | 6,237 |
| Noninterest income to average assets | 5.9531% | 113 |
| Noninterest expense to average assets | 5.9478% | 184 |
| Loan and lease loss provision to assets | -0.0802% | 6,067 |
| Net operating income to assets | 1.1061% | 1,930 |
| Return on assets (ROA) | 1.1061% | 2,018 |
| Pretax return on assets | 1.8270% | 850 |
| Return on Equity (ROE) | 9.1373% | 2,467 |
| Retained earnings to average equity (ytd only) | 9.1373% | 880 |
| Net charge-offs to loans | 0.1900% | 1,319 |
| Credit loss provision to net charge-offs | -97.0930% | 4,891 |
| Earnings coverage of net charge-offs (x) | 21.1453% | 1,684 |
| Efficiency ratio | 77.2486% | 2,167 |
| Assets per employee ($millions) | 1.9189% | 6,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 5,121 |
| Loan loss allowance to noncurrent loans | 18.6616% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 2.7173% | 659 |
| Noncurrent loans to loans | 5.0594% | 222 |
| Net loans and leases to total assets | 39.8552% | 5,641 |
| Net loans and leases to deposits | 55.7814% | 5,132 |
| Net loans and leases to core deposits | 56.8410% | 5,264 |
| Total domestic deposits to total assets | 71.4488% | 5,961 |
| Equity capital to assets | 11.7941% | 2,167 |
| Core capital (leverage) ratio | 12.6277% | 1,324 |
| Tier 1 risk-based capital ratio | 37.2879% | 304 |
| Total risk-based capital ratio | 38.4886% | 303 |
| Memoranda: | ||
| Average total assets | $416,423,670 | 1,611 |
| Average earning assets | $392,387,330 | 1,574 |
| Average equity | $50,408,670 | 1,481 |
| Average total loans | $181,037,330 | 2,252 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7739% | 6,085 |
| Cost of funding earning assets | 0.9047% | 281 |
| Net interest margin | 1.8691% | 6,305 |
| Noninterest income to average assets | 5.9228% | 115 |
| Noninterest expense to average assets | 6.3437% | 178 |
| Loan and lease loss provision to assets | -0.1646% | 6,251 |
| Net operating income to assets | 0.9214% | 2,645 |
| Return on assets (ROA) | 0.9214% | 2,767 |
| Pretax return on assets | 1.5029% | 1,561 |
| Return on Equity (ROE) | 7.5080% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.5080% | 1,760 |
| Net charge-offs to loans | 0.1242% | 1,517 |
| Credit loss provision to net charge-offs | -292.9825% | 4,703 |
| Earnings coverage of net charge-offs (x) | 23.8246% | 1,315 |
| Efficiency ratio | 82.5144% | 1,559 |
| Assets per employee ($millions) | 1.9450% | 6,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 5,236 |
| Loan loss allowance to noncurrent loans | 19.1466% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 2.5993% | 803 |
| Noncurrent loans to loans | 4.9805% | 271 |
| Net loans and leases to total assets | 44.3440% | 5,326 |
| Net loans and leases to deposits | 63.1047% | 4,472 |
| Net loans and leases to core deposits | 64.4973% | 4,655 |
| Total domestic deposits to total assets | 70.2705% | 6,115 |
| Equity capital to assets | 12.0796% | 1,969 |
| Core capital (leverage) ratio | 12.6626% | 1,283 |
| Tier 1 risk-based capital ratio | 34.7772% | 372 |
| Total risk-based capital ratio | 36.0072% | 367 |
| Memoranda: | ||
| Average total assets | $405,886,000 | 1,651 |
| Average earning assets | $381,995,500 | 1,623 |
| Average equity | $49,813,500 | 1,507 |
| Average total loans | $183,542,000 | 2,251 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1334% | 5,916 |
| Cost of funding earning assets | 1.0631% | 173 |
| Net interest margin | 2.0703% | 6,347 |
| Noninterest income to average assets | 4.1870% | 144 |
| Noninterest expense to average assets | 5.4072% | 240 |
| Loan and lease loss provision to assets | 0.1634% | 1,608 |
| Net operating income to assets | 0.3512% | 5,375 |
| Return on assets (ROA) | 0.3512% | 5,442 |
| Pretax return on assets | 0.5591% | 5,074 |
| Return on Equity (ROE) | 3.0805% | 5,450 |
| Retained earnings to average equity (ytd only) | 3.0805% | 4,051 |
| Net charge-offs to loans | 0.7208% | 507 |
| Credit loss provision to net charge-offs | 52.4133% | 3,432 |
| Earnings coverage of net charge-offs (x) | 2.3175% | 4,190 |
| Efficiency ratio | 88.1448% | 985 |
| Assets per employee ($millions) | 1.7502% | 6,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 4,504 |
| Loan loss allowance to noncurrent loans | 33.6416% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 1.9727% | 1,304 |
| Noncurrent loans to loans | 3.2910% | 647 |
| Net loans and leases to total assets | 45.1868% | 5,390 |
| Net loans and leases to deposits | 65.4677% | 4,380 |
| Net loans and leases to core deposits | 66.9481% | 4,600 |
| Total domestic deposits to total assets | 69.0215% | 6,234 |
| Equity capital to assets | 12.4761% | 1,666 |
| Core capital (leverage) ratio | 12.4590% | 1,375 |
| Tier 1 risk-based capital ratio | 35.1011% | 337 |
| Total risk-based capital ratio | 36.3535% | 334 |
| Memoranda: | ||
| Average total assets | $425,359,800 | 1,563 |
| Average earning assets | $399,117,000 | 1,532 |
| Average equity | $48,498,600 | 1,487 |
| Average total loans | $183,967,400 | 2,184 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1309% | 5,982 |
| Cost of funding earning assets | 1.0521% | 186 |
| Net interest margin | 2.0788% | 6,426 |
| Noninterest income to average assets | 3.6951% | 159 |
| Noninterest expense to average assets | 5.1368% | 278 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3121% | 5,549 |
| Return on assets (ROA) | 0.3121% | 5,623 |
| Pretax return on assets | 0.5080% | 5,308 |
| Return on Equity (ROE) | 2.7971% | 5,621 |
| Retained earnings to average equity (ytd only) | 2.7971% | 4,613 |
| Net charge-offs to loans | 0.5484% | 696 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.1697% | 3,978 |
| Efficiency ratio | 90.9245% | 776 |
| Assets per employee ($millions) | 2.2464% | 6,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 5,073 |
| Loan loss allowance to noncurrent loans | 28.2353% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 2.0854% | 1,350 |
| Noncurrent loans to loans | 3.6507% | 637 |
| Net loans and leases to total assets | 41.0314% | 5,751 |
| Net loans and leases to deposits | 59.9354% | 4,949 |
| Net loans and leases to core deposits | 61.2539% | 5,092 |
| Total domestic deposits to total assets | 68.4593% | 6,333 |
| Equity capital to assets | 11.1457% | 2,821 |
| Core capital (leverage) ratio | 11.1378% | 2,362 |
| Tier 1 risk-based capital ratio | 33.4832% | 405 |
| Total risk-based capital ratio | 34.7337% | 397 |
| Memoranda: | ||
| Average total assets | $432,812,500 | 1,549 |
| Average earning assets | $405,921,750 | 1,515 |
| Average equity | $48,286,000 | 1,496 |
| Average total loans | $184,775,000 | 2,179 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1678% | 5,988 |
| Cost of funding earning assets | 1.0587% | 187 |
| Net interest margin | 2.1090% | 6,489 |
| Noninterest income to average assets | 3.4203% | 163 |
| Noninterest expense to average assets | 4.9853% | 316 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2529% | 5,702 |
| Return on assets (ROA) | 0.2529% | 5,782 |
| Pretax return on assets | 0.4129% | 5,519 |
| Return on Equity (ROE) | 2.2658% | 5,774 |
| Retained earnings to average equity (ytd only) | 2.2658% | 4,755 |
| Net charge-offs to loans | 0.6253% | 624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.5318% | 3,784 |
| Efficiency ratio | 92.2991% | 745 |
| Assets per employee ($millions) | 2.3050% | 6,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 4,906 |
| Loan loss allowance to noncurrent loans | 16.8626% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 3.0908% | 823 |
| Noncurrent loans to loans | 6.5237% | 210 |
| Net loans and leases to total assets | 40.4022% | 5,789 |
| Net loans and leases to deposits | 57.9443% | 5,047 |
| Net loans and leases to core deposits | 59.4635% | 5,165 |
| Total domestic deposits to total assets | 69.7260% | 6,362 |
| Equity capital to assets | 10.5997% | 3,312 |
| Core capital (leverage) ratio | 10.5867% | 2,840 |
| Tier 1 risk-based capital ratio | 32.1747% | 439 |
| Total risk-based capital ratio | 33.4261% | 430 |
| Memoranda: | ||
| Average total assets | $431,069,000 | 1,555 |
| Average earning assets | $404,261,330 | 1,513 |
| Average equity | $48,107,000 | 1,489 |
| Average total loans | $185,831,000 | 2,173 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1777% | 6,038 |
| Cost of funding earning assets | 1.0982% | 163 |
| Net interest margin | 2.0795% | 6,566 |
| Noninterest income to average assets | 3.6500% | 153 |
| Noninterest expense to average assets | 4.8737% | 339 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4340% | 5,000 |
| Return on assets (ROA) | 0.4340% | 5,059 |
| Pretax return on assets | 0.7313% | 4,381 |
| Return on Equity (ROE) | 3.7855% | 5,137 |
| Retained earnings to average equity (ytd only) | 3.7855% | 3,857 |
| Net charge-offs to loans | 0.0970% | 2,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,480 |
| Efficiency ratio | 86.9009% | 1,348 |
| Assets per employee ($millions) | 2.0483% | 6,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 3,806 |
| Loan loss allowance to noncurrent loans | 28.8149% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 2.5178% | 1,263 |
| Noncurrent loans to loans | 4.7115% | 494 |
| Net loans and leases to total assets | 44.1192% | 5,497 |
| Net loans and leases to deposits | 65.1658% | 4,181 |
| Net loans and leases to core deposits | 67.2518% | 4,376 |
| Total domestic deposits to total assets | 67.7030% | 6,525 |
| Equity capital to assets | 11.3204% | 2,400 |
| Core capital (leverage) ratio | 11.3165% | 2,121 |
| Tier 1 risk-based capital ratio | 30.6601% | 499 |
| Total risk-based capital ratio | 31.9147% | 493 |
| Memoranda: | ||
| Average total assets | $418,408,000 | 1,601 |
| Average earning assets | $393,372,000 | 1,569 |
| Average equity | $47,972,500 | 1,490 |
| Average total loans | $185,525,000 | 2,178 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4005% | 5,837 |
| Cost of funding earning assets | 1.1192% | 253 |
| Net interest margin | 2.2813% | 6,533 |
| Noninterest income to average assets | 3.5450% | 183 |
| Noninterest expense to average assets | 5.1065% | 322 |
| Loan and lease loss provision to assets | 0.3064% | 1,090 |
| Net operating income to assets | 0.1688% | 5,893 |
| Return on assets (ROA) | 0.1688% | 5,960 |
| Pretax return on assets | 0.2633% | 5,817 |
| Return on Equity (ROE) | 1.5376% | 5,978 |
| Retained earnings to average equity (ytd only) | 1.5376% | 5,123 |
| Net charge-offs to loans | 0.8597% | 715 |
| Credit loss provision to net charge-offs | 73.9155% | 3,202 |
| Earnings coverage of net charge-offs (x) | 1.3743% | 4,602 |
| Efficiency ratio | 89.8863% | 1,028 |
| Assets per employee ($millions) | 1.7706% | 6,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 3,381 |
| Loan loss allowance to noncurrent loans | 26.8188% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 2.9187% | 1,092 |
| Noncurrent loans to loans | 5.4373% | 421 |
| Net loans and leases to total assets | 43.2999% | 5,735 |
| Net loans and leases to deposits | 64.9782% | 4,415 |
| Net loans and leases to core deposits | 67.1508% | 4,598 |
| Total domestic deposits to total assets | 66.6375% | 6,620 |
| Equity capital to assets | 11.6160% | 2,087 |
| Core capital (leverage) ratio | 11.6232% | 1,879 |
| Tier 1 risk-based capital ratio | 31.4376% | 448 |
| Total risk-based capital ratio | 32.5763% | 446 |
| Memoranda: | ||
| Average total assets | $433,738,600 | 1,524 |
| Average earning assets | $405,206,400 | 1,499 |
| Average equity | $47,606,800 | 1,473 |
| Average total loans | $209,136,400 | 1,935 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4341% | 5,814 |
| Cost of funding earning assets | 1.1121% | 295 |
| Net interest margin | 2.3220% | 6,573 |
| Noninterest income to average assets | 3.3912% | 206 |
| Noninterest expense to average assets | 5.1338% | 314 |
| Loan and lease loss provision to assets | 0.1529% | 2,356 |
| Net operating income to assets | 0.1635% | 6,009 |
| Return on assets (ROA) | 0.1635% | 6,076 |
| Pretax return on assets | 0.2703% | 5,935 |
| Return on Equity (ROE) | 1.5104% | 6,072 |
| Retained earnings to average equity (ytd only) | 1.5104% | 5,376 |
| Net charge-offs to loans | 0.4537% | 1,414 |
| Credit loss provision to net charge-offs | 68.4783% | 3,096 |
| Earnings coverage of net charge-offs (x) | 1.8954% | 4,196 |
| Efficiency ratio | 92.3022% | 834 |
| Assets per employee ($millions) | 1.6830% | 6,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 3,236 |
| Loan loss allowance to noncurrent loans | 32.5912% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 2.6817% | 1,408 |
| Noncurrent loans to loans | 4.7493% | 658 |
| Net loans and leases to total assets | 42.3538% | 5,874 |
| Net loans and leases to deposits | 62.0393% | 4,761 |
| Net loans and leases to core deposits | 64.0316% | 4,898 |
| Total domestic deposits to total assets | 68.2693% | 6,658 |
| Equity capital to assets | 11.0399% | 2,722 |
| Core capital (leverage) ratio | 10.9922% | 2,488 |
| Tier 1 risk-based capital ratio | 30.4174% | 497 |
| Total risk-based capital ratio | 31.5334% | 503 |
| Memoranda: | ||
| Average total assets | $439,480,750 | 1,518 |
| Average earning assets | $409,916,000 | 1,488 |
| Average equity | $47,579,750 | 1,484 |
| Average total loans | $216,296,750 | 1,892 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6584% | 5,266 |
| Cost of funding earning assets | 1.1045% | 329 |
| Net interest margin | 2.5539% | 6,382 |
| Noninterest income to average assets | 3.7721% | 195 |
| Noninterest expense to average assets | 5.3744% | 277 |
| Loan and lease loss provision to assets | 0.2279% | 1,652 |
| Net operating income to assets | 0.3486% | 5,410 |
| Return on assets (ROA) | 0.3486% | 5,588 |
| Pretax return on assets | 0.5534% | 5,187 |
| Return on Equity (ROE) | 3.2406% | 5,530 |
| Retained earnings to average equity (ytd only) | 3.2406% | 4,246 |
| Net charge-offs to loans | 0.7855% | 799 |
| Credit loss provision to net charge-offs | 56.6292% | 3,083 |
| Earnings coverage of net charge-offs (x) | 1.9416% | 3,870 |
| Efficiency ratio | 87.2273% | 1,299 |
| Assets per employee ($millions) | 1.8439% | 6,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 4,516 |
| Loan loss allowance to noncurrent loans | 30.6157% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 2.5926% | 1,622 |
| Noncurrent loans to loans | 4.2437% | 875 |
| Net loans and leases to total assets | 44.3880% | 5,707 |
| Net loans and leases to deposits | 62.9738% | 4,628 |
| Net loans and leases to core deposits | 64.6253% | 4,830 |
| Total domestic deposits to total assets | 70.4864% | 6,638 |
| Equity capital to assets | 10.2866% | 3,562 |
| Core capital (leverage) ratio | 10.2839% | 3,118 |
| Tier 1 risk-based capital ratio | 27.6168% | 656 |
| Total risk-based capital ratio | 28.7436% | 648 |
| Memoranda: | ||
| Average total assets | $442,356,330 | 1,500 |
| Average earning assets | $412,856,670 | 1,476 |
| Average equity | $47,584,330 | 1,495 |
| Average total loans | $226,611,670 | 1,814 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5441% | 5,594 |
| Cost of funding earning assets | 1.1370% | 309 |
| Net interest margin | 2.4071% | 6,589 |
| Noninterest income to average assets | 4.4304% | 173 |
| Noninterest expense to average assets | 5.4990% | 269 |
| Loan and lease loss provision to assets | 0.1790% | 2,073 |
| Net operating income to assets | 0.5334% | 4,523 |
| Return on assets (ROA) | 0.5334% | 4,669 |
| Pretax return on assets | 0.9991% | 3,356 |
| Return on Equity (ROE) | 4.8444% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.8444% | 3,332 |
| Net charge-offs to loans | 1.2946% | 434 |
| Credit loss provision to net charge-offs | 25.3281% | 2,959 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 3,273 |
| Efficiency ratio | 82.2867% | 2,004 |
| Assets per employee ($millions) | 1.7755% | 6,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 5,546 |
| Loan loss allowance to noncurrent loans | 18.6822% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 4.1468% | 939 |
| Noncurrent loans to loans | 5.9644% | 558 |
| Net loans and leases to total assets | 51.8668% | 4,724 |
| Net loans and leases to deposits | 75.7252% | 2,682 |
| Net loans and leases to core deposits | 77.8522% | 3,089 |
| Total domestic deposits to total assets | 68.4935% | 6,794 |
| Equity capital to assets | 11.0194% | 2,944 |
| Core capital (leverage) ratio | 10.9894% | 2,276 |
| Tier 1 risk-based capital ratio | 25.3105% | 858 |
| Total risk-based capital ratio | 26.4444% | 850 |
| Memoranda: | ||
| Average total assets | $431,202,500 | 1,564 |
| Average earning assets | $402,477,000 | 1,518 |
| Average equity | $47,477,500 | 1,515 |
| Average total loans | $235,432,500 | 1,757 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 4,485 |
| Cost of funding earning assets | 1.2802% | 404 |
| Net interest margin | 2.9472% | 6,141 |
| Noninterest income to average assets | 4.9538% | 147 |
| Noninterest expense to average assets | 5.9624% | 224 |
| Loan and lease loss provision to assets | 0.3173% | 2,154 |
| Net operating income to assets | 0.8048% | 3,265 |
| Return on assets (ROA) | 0.8303% | 3,392 |
| Pretax return on assets | 1.4177% | 1,975 |
| Return on Equity (ROE) | 7.9870% | 3,089 |
| Retained earnings to average equity (ytd only) | 7.9870% | 1,126 |
| Net charge-offs to loans | 2.3621% | 274 |
| Credit loss provision to net charge-offs | 22.8567% | 5,245 |
| Earnings coverage of net charge-offs (x) | 1.2213% | 4,847 |
| Efficiency ratio | 77.7934% | 2,479 |
| Assets per employee ($millions) | 1.7306% | 6,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 4,765 |
| Loan loss allowance to noncurrent loans | 18.5046% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 4.9189% | 796 |
| Noncurrent loans to loans | 6.8784% | 472 |
| Net loans and leases to total assets | 56.0446% | 4,284 |
| Net loans and leases to deposits | 82.1759% | 1,978 |
| Net loans and leases to core deposits | 84.3238% | 2,508 |
| Total domestic deposits to total assets | 68.2008% | 6,851 |
| Equity capital to assets | 11.0014% | 2,954 |
| Core capital (leverage) ratio | 10.9602% | 2,291 |
| Tier 1 risk-based capital ratio | 23.9153% | 983 |
| Total risk-based capital ratio | 25.0575% | 971 |
| Memoranda: | ||
| Average total assets | $437,808,600 | 1,510 |
| Average earning assets | $401,665,000 | 1,496 |
| Average equity | $45,511,600 | 1,529 |
| Average total loans | $257,266,400 | 1,608 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 4,009 |
| Cost of funding earning assets | 1.3009% | 436 |
| Net interest margin | 3.1077% | 5,926 |
| Noninterest income to average assets | 4.7045% | 152 |
| Noninterest expense to average assets | 5.8536% | 227 |
| Loan and lease loss provision to assets | 0.3197% | 2,066 |
| Net operating income to assets | 0.8118% | 3,394 |
| Return on assets (ROA) | 0.8455% | 3,483 |
| Pretax return on assets | 1.4246% | 2,160 |
| Return on Equity (ROE) | 8.2508% | 3,162 |
| Retained earnings to average equity (ytd only) | 8.2508% | 1,518 |
| Net charge-offs to loans | 2.5533% | 241 |
| Credit loss provision to net charge-offs | 21.1338% | 4,937 |
| Earnings coverage of net charge-offs (x) | 1.1182% | 4,738 |
| Efficiency ratio | 77.5042% | 2,456 |
| Assets per employee ($millions) | 1.6340% | 7,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 3,627 |
| Loan loss allowance to noncurrent loans | 25.5319% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 4.3930% | 1,059 |
| Noncurrent loans to loans | 6.1647% | 645 |
| Net loans and leases to total assets | 54.1963% | 4,725 |
| Net loans and leases to deposits | 78.0282% | 2,655 |
| Net loans and leases to core deposits | 82.3716% | 2,908 |
| Total domestic deposits to total assets | 69.4573% | 6,867 |
| Equity capital to assets | 10.4372% | 3,917 |
| Core capital (leverage) ratio | 10.3926% | 3,044 |
| Tier 1 risk-based capital ratio | 21.9942% | 1,332 |
| Total risk-based capital ratio | 23.1469% | 1,326 |
| Memoranda: | ||
| Average total assets | $439,965,750 | 1,513 |
| Average earning assets | $402,170,500 | 1,516 |
| Average equity | $45,085,500 | 1,561 |
| Average total loans | $260,674,750 | 1,598 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4329% | 4,052 |
| Cost of funding earning assets | 1.3167% | 485 |
| Net interest margin | 3.1162% | 5,958 |
| Noninterest income to average assets | 4.4724% | 153 |
| Noninterest expense to average assets | 5.8928% | 227 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8715% | 3,036 |
| Return on assets (ROA) | 0.9223% | 3,060 |
| Pretax return on assets | 1.5144% | 1,811 |
| Return on Equity (ROE) | 9.0569% | 2,793 |
| Retained earnings to average equity (ytd only) | 9.0569% | 1,258 |
| Net charge-offs to loans | 1.4113% | 723 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.6761% | 4,150 |
| Efficiency ratio | 80.3424% | 2,118 |
| Assets per employee ($millions) | 1.4977% | 7,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3033% | 1,584 |
| Loan loss allowance to noncurrent loans | 26.7705% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 5.4773% | 818 |
| Noncurrent loans to loans | 8.6039% | 377 |
| Net loans and leases to total assets | 54.8942% | 4,645 |
| Net loans and leases to deposits | 77.9447% | 2,680 |
| Net loans and leases to core deposits | 82.4330% | 2,912 |
| Total domestic deposits to total assets | 70.4271% | 6,885 |
| Equity capital to assets | 9.9656% | 4,388 |
| Core capital (leverage) ratio | 9.9383% | 3,502 |
| Tier 1 risk-based capital ratio | 20.6951% | 1,530 |
| Total risk-based capital ratio | 21.8625% | 1,534 |
| Memoranda: | ||
| Average total assets | $438,467,670 | 1,518 |
| Average earning assets | $401,772,000 | 1,522 |
| Average equity | $44,651,000 | 1,564 |
| Average total loans | $265,988,670 | 1,564 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7251% | 2,954 |
| Cost of funding earning assets | 1.3558% | 499 |
| Net interest margin | 3.3693% | 5,239 |
| Noninterest income to average assets | 4.6579% | 144 |
| Noninterest expense to average assets | 6.0471% | 200 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0327% | 2,354 |
| Return on assets (ROA) | 1.0995% | 2,277 |
| Pretax return on assets | 1.8039% | 1,063 |
| Return on Equity (ROE) | 10.6752% | 2,157 |
| Retained earnings to average equity (ytd only) | 10.6752% | 1,121 |
| Net charge-offs to loans | 1.3996% | 714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.9261% | 3,367 |
| Efficiency ratio | 77.9889% | 2,496 |
| Assets per employee ($millions) | 1.5026% | 7,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6227% | 1,199 |
| Loan loss allowance to noncurrent loans | 28.7093% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 6.3639% | 715 |
| Noncurrent loans to loans | 9.1353% | 365 |
| Net loans and leases to total assets | 57.8989% | 4,053 |
| Net loans and leases to deposits | 83.2320% | 1,766 |
| Net loans and leases to core deposits | 88.3330% | 2,014 |
| Total domestic deposits to total assets | 69.5633% | 7,001 |
| Equity capital to assets | 10.1970% | 3,856 |
| Core capital (leverage) ratio | 10.0935% | 3,248 |
| Tier 1 risk-based capital ratio | 19.7543% | 1,770 |
| Total risk-based capital ratio | 20.9285% | 1,760 |
| Memoranda: | ||
| Average total assets | $429,296,500 | 1,555 |
| Average earning assets | $393,559,000 | 1,544 |
| Average equity | $44,214,500 | 1,570 |
| Average total loans | $270,646,000 | 1,551 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7267% | 4,139 |
| Cost of funding earning assets | 1.4971% | 727 |
| Net interest margin | 3.2297% | 6,013 |
| Noninterest income to average assets | 3.1745% | 198 |
| Noninterest expense to average assets | 5.3203% | 295 |
| Loan and lease loss provision to assets | 2.5402% | 172 |
| Net operating income to assets | -1.0444% | 6,758 |
| Return on assets (ROA) | -1.0341% | 6,773 |
| Pretax return on assets | -1.6795% | 6,938 |
| Return on Equity (ROE) | -11.3029% | 6,772 |
| Retained earnings to average equity (ytd only) | -11.3029% | 6,741 |
| Net charge-offs to loans | 3.4001% | 234 |
| Credit loss provision to net charge-offs | 115.8424% | 2,808 |
| Earnings coverage of net charge-offs (x) | 0.3851% | 5,530 |
| Efficiency ratio | 86.2094% | 1,534 |
| Assets per employee ($millions) | 1.3371% | 7,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7777% | 1,000 |
| Loan loss allowance to noncurrent loans | 26.9311% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 8.1031% | 496 |
| Noncurrent loans to loans | 10.3140% | 296 |
| Net loans and leases to total assets | 64.9362% | 3,000 |
| Net loans and leases to deposits | 94.9834% | 746 |
| Net loans and leases to core deposits | 101.6245% | 1,056 |
| Total domestic deposits to total assets | 68.3658% | 7,059 |
| Equity capital to assets | 10.4062% | 3,646 |
| Core capital (leverage) ratio | 10.2408% | 3,039 |
| Tier 1 risk-based capital ratio | 17.9455% | 2,208 |
| Total risk-based capital ratio | 19.1281% | 2,206 |
| Memoranda: | ||
| Average total assets | $494,257,400 | 1,350 |
| Average earning assets | $457,631,800 | 1,334 |
| Average equity | $45,218,400 | 1,505 |
| Average total loans | $318,760,000 | 1,333 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7439% | 4,260 |
| Cost of funding earning assets | 1.5090% | 831 |
| Net interest margin | 3.2349% | 6,062 |
| Noninterest income to average assets | 2.9907% | 219 |
| Noninterest expense to average assets | 5.0034% | 369 |
| Loan and lease loss provision to assets | 2.7970% | 129 |
| Net operating income to assets | -1.1110% | 6,923 |
| Return on assets (ROA) | -1.1057% | 6,948 |
| Pretax return on assets | -1.8003% | 7,079 |
| Return on Equity (ROE) | -12.4351% | 6,957 |
| Retained earnings to average equity (ytd only) | -12.4351% | 6,929 |
| Net charge-offs to loans | 3.6132% | 205 |
| Credit loss provision to net charge-offs | 120.9148% | 2,682 |
| Earnings coverage of net charge-offs (x) | 0.4273% | 5,302 |
| Efficiency ratio | 83.4259% | 1,801 |
| Assets per employee ($millions) | 1.5798% | 7,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7081% | 1,123 |
| Loan loss allowance to noncurrent loans | 22.7587% | 6,590 |
| Noncurrent assets plus other real estate owned to assets | 8.7319% | 466 |
| Noncurrent loans to loans | 11.8991% | 240 |
| Net loans and leases to total assets | 60.7427% | 3,996 |
| Net loans and leases to deposits | 84.7351% | 1,884 |
| Net loans and leases to core deposits | 89.9551% | 2,255 |
| Total domestic deposits to total assets | 71.6854% | 6,955 |
| Equity capital to assets | 9.5013% | 5,085 |
| Core capital (leverage) ratio | 9.4234% | 4,265 |
| Tier 1 risk-based capital ratio | 18.2112% | 2,184 |
| Total risk-based capital ratio | 19.2389% | 2,218 |
| Memoranda: | ||
| Average total assets | $512,862,500 | 1,310 |
| Average earning assets | $475,794,750 | 1,287 |
| Average equity | $45,600,750 | 1,493 |
| Average total loans | $328,346,250 | 1,297 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8517% | 3,858 |
| Cost of funding earning assets | 1.5293% | 898 |
| Net interest margin | 3.3224% | 5,796 |
| Noninterest income to average assets | 2.8376% | 232 |
| Noninterest expense to average assets | 5.0366% | 359 |
| Loan and lease loss provision to assets | 3.7807% | 88 |
| Net operating income to assets | -1.7608% | 7,152 |
| Return on assets (ROA) | -1.7531% | 7,158 |
| Pretax return on assets | -2.8782% | 7,293 |
| Return on Equity (ROE) | -20.1258% | 7,155 |
| Retained earnings to average equity (ytd only) | -20.1258% | 7,140 |
| Net charge-offs to loans | 4.0823% | 198 |
| Credit loss provision to net charge-offs | 143.5979% | 2,128 |
| Earnings coverage of net charge-offs (x) | 0.3382% | 5,060 |
| Efficiency ratio | 84.9200% | 1,712 |
| Assets per employee ($millions) | 1.6927% | 7,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9380% | 949 |
| Loan loss allowance to noncurrent loans | 25.0248% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 8.1815% | 551 |
| Noncurrent loans to loans | 11.7404% | 272 |
| Net loans and leases to total assets | 59.3935% | 4,399 |
| Net loans and leases to deposits | 80.5024% | 2,708 |
| Net loans and leases to core deposits | 85.5158% | 2,996 |
| Total domestic deposits to total assets | 73.7785% | 6,864 |
| Equity capital to assets | 8.6757% | 5,971 |
| Core capital (leverage) ratio | 8.6589% | 5,282 |
| Tier 1 risk-based capital ratio | 16.9562% | 2,544 |
| Total risk-based capital ratio | 18.0022% | 2,584 |
| Memoranda: | ||
| Average total assets | $527,417,000 | 1,273 |
| Average earning assets | $490,422,670 | 1,247 |
| Average equity | $45,941,000 | 1,472 |
| Average total loans | $340,149,330 | 1,270 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8648% | 3,748 |
| Cost of funding earning assets | 1.5488% | 979 |
| Net interest margin | 3.3160% | 5,722 |
| Noninterest income to average assets | 2.7751% | 242 |
| Noninterest expense to average assets | 4.9808% | 370 |
| Loan and lease loss provision to assets | 4.6002% | 75 |
| Net operating income to assets | -2.2565% | 7,315 |
| Return on assets (ROA) | -2.2466% | 7,314 |
| Pretax return on assets | -3.6992% | 7,422 |
| Return on Equity (ROE) | -25.7427% | 7,285 |
| Retained earnings to average equity (ytd only) | -25.7427% | 7,250 |
| Net charge-offs to loans | 4.7623% | 161 |
| Credit loss provision to net charge-offs | 146.2538% | 1,940 |
| Earnings coverage of net charge-offs (x) | 0.2815% | 4,402 |
| Efficiency ratio | 84.8055% | 1,868 |
| Assets per employee ($millions) | 1.5644% | 7,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3926% | 1,615 |
| Loan loss allowance to noncurrent loans | 16.3951% | 6,883 |
| Noncurrent assets plus other real estate owned to assets | 10.2279% | 395 |
| Noncurrent loans to loans | 14.5933% | 165 |
| Net loans and leases to total assets | 62.8777% | 3,686 |
| Net loans and leases to deposits | 84.6295% | 1,937 |
| Net loans and leases to core deposits | 92.5606% | 2,063 |
| Total domestic deposits to total assets | 74.2977% | 6,877 |
| Equity capital to assets | 8.7231% | 5,622 |
| Core capital (leverage) ratio | 8.7179% | 5,055 |
| Tier 1 risk-based capital ratio | 15.6479% | 3,074 |
| Total risk-based capital ratio | 16.7101% | 3,126 |
| Memoranda: | ||
| Average total assets | $538,067,500 | 1,252 |
| Average earning assets | $501,562,500 | 1,227 |
| Average equity | $46,957,000 | 1,427 |
| Average total loans | $355,374,500 | 1,232 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7501% | 1,403 |
| Cost of funding earning assets | 1.8344% | 1,049 |
| Net interest margin | 3.9157% | 3,418 |
| Noninterest income to average assets | 4.3154% | 157 |
| Noninterest expense to average assets | 5.3236% | 333 |
| Loan and lease loss provision to assets | 2.8162% | 361 |
| Net operating income to assets | -0.1354% | 6,032 |
| Return on assets (ROA) | -0.1285% | 6,076 |
| Pretax return on assets | -0.2051% | 6,088 |
| Return on Equity (ROE) | -1.3844% | 6,108 |
| Retained earnings to average equity (ytd only) | -1.3844% | 5,870 |
| Net charge-offs to loans | 3.0578% | 531 |
| Credit loss provision to net charge-offs | 118.8802% | 3,573 |
| Earnings coverage of net charge-offs (x) | 1.0977% | 5,015 |
| Efficiency ratio | 67.1251% | 4,739 |
| Assets per employee ($millions) | 1.4273% | 7,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6185% | 3,510 |
| Loan loss allowance to noncurrent loans | 13.4075% | 7,027 |
| Noncurrent assets plus other real estate owned to assets | 9.0761% | 492 |
| Noncurrent loans to loans | 12.0713% | 287 |
| Net loans and leases to total assets | 66.4798% | 3,359 |
| Net loans and leases to deposits | 88.3765% | 1,740 |
| Net loans and leases to core deposits | 96.6084% | 1,932 |
| Total domestic deposits to total assets | 75.2234% | 6,741 |
| Equity capital to assets | 8.7306% | 5,541 |
| Core capital (leverage) ratio | 8.7228% | 4,976 |
| Tier 1 risk-based capital ratio | 14.5140% | 3,536 |
| Total risk-based capital ratio | 15.5913% | 3,603 |
| Memoranda: | ||
| Average total assets | $536,822,200 | 1,248 |
| Average earning assets | $494,701,800 | 1,246 |
| Average equity | $49,839,600 | 1,345 |
| Average total loans | $415,884,000 | 1,074 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8351% | 1,294 |
| Cost of funding earning assets | 1.8772% | 1,102 |
| Net interest margin | 3.9579% | 3,298 |
| Noninterest income to average assets | 3.6199% | 184 |
| Noninterest expense to average assets | 5.0210% | 373 |
| Loan and lease loss provision to assets | 1.5692% | 834 |
| Net operating income to assets | 0.4089% | 4,716 |
| Return on assets (ROA) | 0.4549% | 4,707 |
| Pretax return on assets | 0.7360% | 4,128 |
| Return on Equity (ROE) | 4.8250% | 4,388 |
| Retained earnings to average equity (ytd only) | 4.8250% | 3,106 |
| Net charge-offs to loans | 1.8247% | 1,053 |
| Credit loss provision to net charge-offs | 107.4258% | 3,971 |
| Earnings coverage of net charge-offs (x) | 1.5289% | 4,580 |
| Efficiency ratio | 69.1553% | 4,235 |
| Assets per employee ($millions) | 1.4064% | 7,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 6,574 |
| Loan loss allowance to noncurrent loans | 8.9055% | 7,196 |
| Noncurrent assets plus other real estate owned to assets | 10.3672% | 376 |
| Noncurrent loans to loans | 10.6604% | 371 |
| Net loans and leases to total assets | 73.1857% | 1,978 |
| Net loans and leases to deposits | 97.5047% | 843 |
| Net loans and leases to core deposits | 106.1066% | 1,314 |
| Total domestic deposits to total assets | 75.0587% | 6,789 |
| Equity capital to assets | 8.7376% | 5,959 |
| Core capital (leverage) ratio | 8.7085% | 5,168 |
| Tier 1 risk-based capital ratio | 14.4108% | 3,565 |
| Total risk-based capital ratio | 15.3782% | 3,719 |
| Memoranda: | ||
| Average total assets | $532,226,500 | 1,274 |
| Average earning assets | $488,729,250 | 1,272 |
| Average equity | $50,181,250 | 1,339 |
| Average total loans | $426,062,250 | 1,057 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0480% | 849 |
| Cost of funding earning assets | 1.9358% | 1,088 |
| Net interest margin | 4.1122% | 2,502 |
| Noninterest income to average assets | 3.0361% | 218 |
| Noninterest expense to average assets | 4.7154% | 469 |
| Loan and lease loss provision to assets | 1.2452% | 1,121 |
| Net operating income to assets | 0.5186% | 4,251 |
| Return on assets (ROA) | 0.5791% | 4,098 |
| Pretax return on assets | 0.9428% | 3,335 |
| Return on Equity (ROE) | 5.9758% | 3,812 |
| Retained earnings to average equity (ytd only) | 5.9758% | 2,338 |
| Net charge-offs to loans | 1.6868% | 1,108 |
| Credit loss provision to net charge-offs | 89.5973% | 4,435 |
| Earnings coverage of net charge-offs (x) | 1.5064% | 4,360 |
| Efficiency ratio | 69.1838% | 4,336 |
| Assets per employee ($millions) | 1.3993% | 7,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7645% | 7,107 |
| Loan loss allowance to noncurrent loans | 8.0886% | 7,285 |
| Noncurrent assets plus other real estate owned to assets | 10.1102% | 401 |
| Noncurrent loans to loans | 9.4512% | 488 |
| Net loans and leases to total assets | 79.6956% | 849 |
| Net loans and leases to deposits | 108.7135% | 304 |
| Net loans and leases to core deposits | 119.5899% | 710 |
| Total domestic deposits to total assets | 73.3079% | 7,060 |
| Equity capital to assets | 9.4445% | 4,792 |
| Core capital (leverage) ratio | 9.4185% | 3,935 |
| Tier 1 risk-based capital ratio | 13.4443% | 4,106 |
| Total risk-based capital ratio | 14.1389% | 4,487 |
| Memoranda: | ||
| Average total assets | $514,612,330 | 1,312 |
| Average earning assets | $472,157,330 | 1,317 |
| Average equity | $49,868,000 | 1,341 |
| Average total loans | $423,986,000 | 1,075 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9554% | 1,062 |
| Cost of funding earning assets | 2.0539% | 933 |
| Net interest margin | 3.9015% | 3,318 |
| Noninterest income to average assets | 2.3186% | 275 |
| Noninterest expense to average assets | 4.4217% | 628 |
| Loan and lease loss provision to assets | 1.3425% | 890 |
| Net operating income to assets | 0.0803% | 6,078 |
| Return on assets (ROA) | 0.0803% | 6,188 |
| Pretax return on assets | 0.1311% | 6,057 |
| Return on Equity (ROE) | 0.8174% | 6,171 |
| Retained earnings to average equity (ytd only) | 0.8174% | 5,491 |
| Net charge-offs to loans | 3.1680% | 471 |
| Credit loss provision to net charge-offs | 50.7512% | 4,470 |
| Earnings coverage of net charge-offs (x) | 0.5571% | 4,533 |
| Efficiency ratio | 74.9090% | 3,420 |
| Assets per employee ($millions) | 1.5167% | 7,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4772% | 7,608 |
| Loan loss allowance to noncurrent loans | 5.7990% | 7,378 |
| Noncurrent assets plus other real estate owned to assets | 9.8750% | 407 |
| Noncurrent loans to loans | 8.2295% | 645 |
| Net loans and leases to total assets | 84.9647% | 295 |
| Net loans and leases to deposits | 118.4454% | 157 |
| Net loans and leases to core deposits | 130.3562% | 486 |
| Total domestic deposits to total assets | 71.7332% | 7,285 |
| Equity capital to assets | 9.8986% | 3,997 |
| Core capital (leverage) ratio | 9.8648% | 3,321 |
| Tier 1 risk-based capital ratio | 13.3172% | 4,113 |
| Total risk-based capital ratio | 13.6820% | 4,757 |
| Memoranda: | ||
| Average total assets | $503,245,000 | 1,383 |
| Average earning assets | $461,363,000 | 1,376 |
| Average equity | $49,427,000 | 1,356 |
| Average total loans | $420,208,500 | 1,115 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6297% | 3,446 |
| Cost of funding earning assets | 2.5137% | 997 |
| Net interest margin | 3.1160% | 6,324 |
| Noninterest income to average assets | 2.4917% | 274 |
| Noninterest expense to average assets | 4.2350% | 1,051 |
| Loan and lease loss provision to assets | 0.6900% | 3,067 |
| Net operating income to assets | 0.2844% | 4,593 |
| Return on assets (ROA) | 0.8684% | 2,351 |
| Pretax return on assets | 1.4098% | 1,409 |
| Return on Equity (ROE) | 10.5444% | 1,539 |
| Retained earnings to average equity (ytd only) | 10.5444% | 321 |
| Net charge-offs to loans | 0.9551% | 2,495 |
| Credit loss provision to net charge-offs | 96.9340% | 5,733 |
| Earnings coverage of net charge-offs (x) | 1.6679% | 4,490 |
| Efficiency ratio | 77.9695% | 3,196 |
| Assets per employee ($millions) | 1.7500% | 7,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 6,874 |
| Loan loss allowance to noncurrent loans | 20.5381% | 7,038 |
| Noncurrent assets plus other real estate owned to assets | 6.1694% | 903 |
| Noncurrent loans to loans | 4.3143% | 1,672 |
| Net loans and leases to total assets | 80.9352% | 848 |
| Net loans and leases to deposits | 115.5329% | 242 |
| Net loans and leases to core deposits | 144.6982% | 651 |
| Total domestic deposits to total assets | 70.0539% | 7,421 |
| Equity capital to assets | 9.7460% | 4,075 |
| Core capital (leverage) ratio | 9.7273% | 3,415 |
| Tier 1 risk-based capital ratio | 12.9097% | 4,200 |
| Total risk-based capital ratio | 13.6911% | 4,522 |
| Memoranda: | ||
| Average total assets | $572,780,200 | 1,211 |
| Average earning assets | $538,679,600 | 1,173 |
| Average equity | $47,171,800 | 1,426 |
| Average total loans | $426,860,400 | 1,122 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3367% | 5,235 |
| Cost of funding earning assets | 2.5333% | 1,198 |
| Net interest margin | 2.8034% | 7,057 |
| Noninterest income to average assets | 2.4645% | 272 |
| Noninterest expense to average assets | 4.0986% | 1,154 |
| Loan and lease loss provision to assets | 0.6459% | 2,819 |
| Net operating income to assets | 0.1991% | 5,162 |
| Return on assets (ROA) | 0.9449% | 2,313 |
| Pretax return on assets | 1.5350% | 1,312 |
| Return on Equity (ROE) | 11.9454% | 1,368 |
| Retained earnings to average equity (ytd only) | 11.9454% | 346 |
| Net charge-offs to loans | 1.1321% | 1,774 |
| Credit loss provision to net charge-offs | 78.1704% | 5,807 |
| Earnings coverage of net charge-offs (x) | 1.2290% | 4,848 |
| Efficiency ratio | 80.0009% | 2,842 |
| Assets per employee ($millions) | 2.1505% | 7,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6829% | 7,409 |
| Loan loss allowance to noncurrent loans | 10.1733% | 7,453 |
| Noncurrent assets plus other real estate owned to assets | 6.2811% | 829 |
| Noncurrent loans to loans | 6.7123% | 841 |
| Net loans and leases to total assets | 77.1457% | 1,758 |
| Net loans and leases to deposits | 109.3801% | 483 |
| Net loans and leases to core deposits | 135.1587% | 1,142 |
| Total domestic deposits to total assets | 70.5299% | 7,375 |
| Equity capital to assets | 8.6151% | 6,094 |
| Core capital (leverage) ratio | 8.6293% | 5,259 |
| Tier 1 risk-based capital ratio | 12.4985% | 4,540 |
| Total risk-based capital ratio | 13.0913% | 5,054 |
| Memoranda: | ||
| Average total assets | $589,102,500 | 1,184 |
| Average earning assets | $556,780,500 | 1,146 |
| Average equity | $46,599,750 | 1,466 |
| Average total loans | $429,972,750 | 1,134 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3384% | 5,457 |
| Cost of funding earning assets | 2.5740% | 1,361 |
| Net interest margin | 2.7644% | 7,077 |
| Noninterest income to average assets | 2.0783% | 343 |
| Noninterest expense to average assets | 4.1488% | 1,130 |
| Loan and lease loss provision to assets | 0.3257% | 3,985 |
| Net operating income to assets | 0.0913% | 5,589 |
| Return on assets (ROA) | 1.1954% | 1,573 |
| Pretax return on assets | 1.9469% | 639 |
| Return on Equity (ROE) | 15.5499% | 753 |
| Retained earnings to average equity (ytd only) | 15.5499% | 180 |
| Net charge-offs to loans | 1.2182% | 1,505 |
| Credit loss provision to net charge-offs | 37.3846% | 5,939 |
| Earnings coverage of net charge-offs (x) | 0.6285% | 5,079 |
| Efficiency ratio | 88.1929% | 1,991 |
| Assets per employee ($millions) | 2.0780% | 7,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5005% | 7,786 |
| Loan loss allowance to noncurrent loans | 9.2094% | 7,506 |
| Noncurrent assets plus other real estate owned to assets | 4.8781% | 1,112 |
| Noncurrent loans to loans | 5.4351% | 1,069 |
| Net loans and leases to total assets | 68.9314% | 3,964 |
| Net loans and leases to deposits | 93.6010% | 2,155 |
| Net loans and leases to core deposits | 115.4839% | 2,762 |
| Total domestic deposits to total assets | 73.6439% | 7,009 |
| Equity capital to assets | 7.6217% | 7,158 |
| Core capital (leverage) ratio | 7.6987% | 6,759 |
| Tier 1 risk-based capital ratio | 12.6569% | 4,389 |
| Total risk-based capital ratio | 13.0466% | 5,019 |
| Memoranda: | ||
| Average total assets | $596,941,000 | 1,188 |
| Average earning assets | $565,336,000 | 1,147 |
| Average equity | $45,891,000 | 1,498 |
| Average total loans | $426,855,000 | 1,166 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6278% | 4,192 |
| Cost of funding earning assets | 2.7076% | 1,249 |
| Net interest margin | 2.9202% | 6,701 |
| Noninterest income to average assets | -0.0178% | 8,097 |
| Noninterest expense to average assets | 3.9494% | 1,244 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.8280% | 7,142 |
| Return on assets (ROA) | 1.3332% | 1,402 |
| Pretax return on assets | 2.1721% | 465 |
| Return on Equity (ROE) | 17.2622% | 665 |
| Retained earnings to average equity (ytd only) | 17.2622% | 262 |
| Net charge-offs to loans | 1.1425% | 1,206 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -1.4504% | 5,421 |
| Efficiency ratio | 143.6718% | 388 |
| Assets per employee ($millions) | 2.2151% | 7,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6277% | 7,613 |
| Loan loss allowance to noncurrent loans | 16.0973% | 7,353 |
| Noncurrent assets plus other real estate owned to assets | 3.8671% | 1,361 |
| Noncurrent loans to loans | 3.8991% | 1,568 |
| Net loans and leases to total assets | 64.7748% | 4,850 |
| Net loans and leases to deposits | 86.9290% | 3,482 |
| Net loans and leases to core deposits | 108.9003% | 3,572 |
| Total domestic deposits to total assets | 74.5146% | 6,803 |
| Equity capital to assets | 7.2531% | 7,522 |
| Core capital (leverage) ratio | 7.3136% | 7,366 |
| Tier 1 risk-based capital ratio | 12.1144% | 4,855 |
| Total risk-based capital ratio | 12.6130% | 5,444 |
| Memoranda: | ||
| Average total assets | $582,666,500 | 1,222 |
| Average earning assets | $551,196,500 | 1,179 |
| Average equity | $45,000,000 | 1,529 |
| Average total loans | $423,618,500 | 1,197 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0401% | 1,028 |
| Cost of funding earning assets | 3.4440% | 617 |
| Net interest margin | 3.5962% | 4,907 |
| Noninterest income to average assets | 0.0057% | 8,088 |
| Noninterest expense to average assets | 3.2105% | 3,295 |
| Loan and lease loss provision to assets | 0.1652% | 5,270 |
| Net operating income to assets | -0.0420% | 6,430 |
| Return on assets (ROA) | 0.6847% | 3,799 |
| Pretax return on assets | 1.0686% | 3,142 |
| Return on Equity (ROE) | 8.4324% | 2,873 |
| Retained earnings to average equity (ytd only) | 8.4324% | 723 |
| Net charge-offs to loans | 0.0349% | 6,318 |
| Credit loss provision to net charge-offs | 558.0645% | 787 |
| Earnings coverage of net charge-offs (x) | 3.3226% | 4,422 |
| Efficiency ratio | 96.8148% | 1,105 |
| Assets per employee ($millions) | 2.5834% | 7,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 6,772 |
| Loan loss allowance to noncurrent loans | 32.6816% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 3.3080% | 1,365 |
| Noncurrent loans to loans | 2.6941% | 2,012 |
| Net loans and leases to total assets | 81.0105% | 1,434 |
| Net loans and leases to deposits | 116.0826% | 518 |
| Net loans and leases to core deposits | 121.9829% | 2,508 |
| Total domestic deposits to total assets | 69.7869% | 7,297 |
| Equity capital to assets | 8.2873% | 6,437 |
| Core capital (leverage) ratio | 8.4105% | 5,738 |
| Tier 1 risk-based capital ratio | 11.1144% | 5,629 |
| Total risk-based capital ratio | 11.8933% | 5,956 |
| Memoranda: | ||
| Average total assets | $523,752,600 | 1,289 |
| Average earning assets | $481,069,400 | 1,279 |
| Average equity | $42,526,600 | 1,574 |
| Average total loans | $443,558,200 | 1,083 |