Home > Atlantic Capital Bank > Performance and Condition Ratios
Atlantic Capital Bank, Performance and Condition Ratios
| 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 | 3.2038% | 5,576 |
| Cost of funding earning assets | 0.2734% | 4,630 |
| Net interest margin | 2.9304% | 5,354 |
| Noninterest income to average assets | 0.5944% | 2,775 |
| Noninterest expense to average assets | 2.1786% | 5,104 |
| Loan and lease loss provision to assets | 0.0403% | 3,406 |
| Net operating income to assets | 0.7050% | 3,879 |
| Return on assets (ROA) | 0.7056% | 3,987 |
| Pretax return on assets | 1.1264% | 3,114 |
| Return on Equity (ROE) | 6.6998% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.6998% | 1,836 |
| Net charge-offs to loans | -0.0037% | 4,777 |
| Credit loss provision to net charge-offs | -1,420.6897% | 5,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7795% | 4,103 |
| Assets per employee ($millions) | 13.1588% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 4,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,819 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 74.8784% | 1,568 |
| Net loans and leases to deposits | 87.6958% | 1,947 |
| Net loans and leases to core deposits | 96.7599% | 1,815 |
| Total domestic deposits to total assets | 85.3843% | 2,836 |
| Equity capital to assets | 10.7329% | 3,321 |
| Core capital (leverage) ratio | 10.8181% | 2,690 |
| Tier 1 risk-based capital ratio | 10.7571% | 5,775 |
| Total risk-based capital ratio | 11.6297% | 5,865 |
| Memoranda: | ||
| Average total assets | $1,362,609,500 | 524 |
| Average earning assets | $1,278,711,750 | 512 |
| Average equity | $143,502,250 | 530 |
| Average total loans | $1,057,464,000 | 459 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1976% | 5,628 |
| Cost of funding earning assets | 0.2815% | 4,598 |
| Net interest margin | 2.9162% | 5,413 |
| Noninterest income to average assets | 0.6353% | 2,554 |
| Noninterest expense to average assets | 2.1543% | 5,211 |
| Loan and lease loss provision to assets | 0.0810% | 2,490 |
| Net operating income to assets | 0.7288% | 3,745 |
| Return on assets (ROA) | 0.7288% | 3,865 |
| Pretax return on assets | 1.1426% | 2,998 |
| Return on Equity (ROE) | 6.9652% | 3,632 |
| Retained earnings to average equity (ytd only) | 6.9652% | 1,718 |
| Net charge-offs to loans | -0.0028% | 4,636 |
| Credit loss provision to net charge-offs | -3,660.0000% | 5,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3939% | 4,448 |
| Assets per employee ($millions) | 13.3328% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 4,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,915 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 76.2022% | 1,338 |
| Net loans and leases to deposits | 94.7221% | 1,075 |
| Net loans and leases to core deposits | 105.1089% | 1,121 |
| Total domestic deposits to total assets | 80.4482% | 4,765 |
| Equity capital to assets | 10.5534% | 3,384 |
| Core capital (leverage) ratio | 10.4274% | 3,051 |
| Tier 1 risk-based capital ratio | 10.4479% | 5,944 |
| Total risk-based capital ratio | 11.3184% | 6,015 |
| Memoranda: | ||
| Average total assets | $1,356,255,000 | 523 |
| Average earning assets | $1,275,507,330 | 507 |
| Average equity | $141,905,000 | 534 |
| Average total loans | $1,061,139,670 | 458 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1419% | 5,734 |
| Cost of funding earning assets | 0.2799% | 4,671 |
| Net interest margin | 2.8620% | 5,526 |
| Noninterest income to average assets | 0.3659% | 4,285 |
| Noninterest expense to average assets | 2.0220% | 5,540 |
| Loan and lease loss provision to assets | 0.1080% | 1,905 |
| Net operating income to assets | 0.5927% | 4,320 |
| Return on assets (ROA) | 0.5927% | 4,417 |
| Pretax return on assets | 0.9156% | 3,832 |
| Return on Equity (ROE) | 5.6897% | 4,189 |
| Retained earnings to average equity (ytd only) | 5.6897% | 2,665 |
| Net charge-offs to loans | -0.0056% | 4,528 |
| Credit loss provision to net charge-offs | -2,426.6667% | 5,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1469% | 4,133 |
| Assets per employee ($millions) | 13.1482% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 4,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 5,512 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 77.7547% | 964 |
| Net loans and leases to deposits | 93.3148% | 1,056 |
| Net loans and leases to core deposits | 107.4700% | 847 |
| Total domestic deposits to total assets | 83.3251% | 4,074 |
| Equity capital to assets | 10.3256% | 3,749 |
| Core capital (leverage) ratio | 10.4515% | 3,028 |
| Tier 1 risk-based capital ratio | 10.0073% | 6,166 |
| Total risk-based capital ratio | 10.8460% | 6,230 |
| Memoranda: | ||
| Average total assets | $1,347,741,500 | 527 |
| Average earning assets | $1,261,909,500 | 512 |
| Average equity | $140,393,500 | 538 |
| Average total loans | $1,062,481,500 | 456 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1729% | 5,868 |
| Cost of funding earning assets | 0.3005% | 4,795 |
| Net interest margin | 2.8724% | 5,692 |
| Noninterest income to average assets | 0.4378% | 3,916 |
| Noninterest expense to average assets | 2.1461% | 5,465 |
| Loan and lease loss provision to assets | 0.0395% | 3,787 |
| Net operating income to assets | 0.6072% | 4,336 |
| Return on assets (ROA) | 0.6103% | 4,423 |
| Pretax return on assets | 0.9368% | 3,754 |
| Return on Equity (ROE) | 5.6518% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.6518% | 2,167 |
| Net charge-offs to loans | -0.0129% | 5,611 |
| Credit loss provision to net charge-offs | -409.2437% | 5,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8208% | 3,748 |
| Assets per employee ($millions) | 12.2890% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 4,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 5,564 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 78.2017% | 975 |
| Net loans and leases to deposits | 92.7617% | 1,209 |
| Net loans and leases to core deposits | 103.7238% | 1,142 |
| Total domestic deposits to total assets | 84.3039% | 3,589 |
| Equity capital to assets | 10.5129% | 3,460 |
| Core capital (leverage) ratio | 10.4797% | 2,972 |
| Tier 1 risk-based capital ratio | 10.7550% | 6,010 |
| Total risk-based capital ratio | 11.6481% | 6,087 |
| Memoranda: | ||
| Average total assets | $1,234,439,600 | 550 |
| Average earning assets | $1,151,646,800 | 539 |
| Average equity | $133,303,600 | 544 |
| Average total loans | $924,956,000 | 481 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1418% | 5,968 |
| Cost of funding earning assets | 0.3026% | 4,866 |
| Net interest margin | 2.8392% | 5,804 |
| Noninterest income to average assets | 0.4268% | 4,048 |
| Noninterest expense to average assets | 2.1103% | 5,545 |
| Loan and lease loss provision to assets | 0.0515% | 3,347 |
| Net operating income to assets | 0.6049% | 4,421 |
| Return on assets (ROA) | 0.6081% | 4,498 |
| Pretax return on assets | 0.9155% | 3,925 |
| Return on Equity (ROE) | 5.5908% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.5908% | 2,677 |
| Net charge-offs to loans | -0.0025% | 5,206 |
| Credit loss provision to net charge-offs | -2,758.8235% | 5,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6846% | 3,731 |
| Assets per employee ($millions) | 12.3676% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 4,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 5,695 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 76.9770% | 1,094 |
| Net loans and leases to deposits | 96.0075% | 883 |
| Net loans and leases to core deposits | 115.4163% | 533 |
| Total domestic deposits to total assets | 80.1781% | 5,059 |
| Equity capital to assets | 10.4157% | 3,662 |
| Core capital (leverage) ratio | 10.7622% | 2,739 |
| Tier 1 risk-based capital ratio | 10.9239% | 6,030 |
| Total risk-based capital ratio | 11.8359% | 6,125 |
| Memoranda: | ||
| Average total assets | $1,214,318,750 | 554 |
| Average earning assets | $1,131,563,000 | 544 |
| Average equity | $132,070,500 | 551 |
| Average total loans | $896,266,750 | 495 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0535% | 6,131 |
| Cost of funding earning assets | 0.3068% | 4,907 |
| Net interest margin | 2.7467% | 5,993 |
| Noninterest income to average assets | 0.4291% | 4,031 |
| Noninterest expense to average assets | 2.1244% | 5,573 |
| Loan and lease loss provision to assets | -0.0285% | 6,259 |
| Net operating income to assets | 0.5883% | 4,414 |
| Return on assets (ROA) | 0.5933% | 4,482 |
| Pretax return on assets | 0.8902% | 3,922 |
| Return on Equity (ROE) | 5.3722% | 4,497 |
| Retained earnings to average equity (ytd only) | 5.3722% | 2,719 |
| Net charge-offs to loans | -0.0040% | 5,143 |
| Credit loss provision to net charge-offs | 994.1176% | 337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3194% | 3,453 |
| Assets per employee ($millions) | 11.4918% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 4,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 5,772 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 76.5008% | 1,103 |
| Net loans and leases to deposits | 92.7353% | 1,073 |
| Net loans and leases to core deposits | 103.1599% | 1,069 |
| Total domestic deposits to total assets | 82.4937% | 4,474 |
| Equity capital to assets | 11.0716% | 2,811 |
| Core capital (leverage) ratio | 11.0954% | 2,337 |
| Tier 1 risk-based capital ratio | 11.2427% | 5,938 |
| Total risk-based capital ratio | 12.1423% | 6,038 |
| Memoranda: | ||
| Average total assets | $1,186,227,330 | 564 |
| Average earning assets | $1,101,107,000 | 553 |
| Average equity | $131,008,000 | 553 |
| Average total loans | $858,049,330 | 508 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9902% | 6,251 |
| Cost of funding earning assets | 0.3056% | 5,007 |
| Net interest margin | 2.6846% | 6,124 |
| Noninterest income to average assets | 0.4292% | 3,952 |
| Noninterest expense to average assets | 2.0891% | 5,708 |
| Loan and lease loss provision to assets | -0.2520% | 6,596 |
| Net operating income to assets | 0.7240% | 3,564 |
| Return on assets (ROA) | 0.7340% | 3,602 |
| Pretax return on assets | 1.0993% | 2,901 |
| Return on Equity (ROE) | 6.6546% | 3,660 |
| Retained earnings to average equity (ytd only) | 6.6546% | 2,210 |
| Net charge-offs to loans | -0.0083% | 4,976 |
| Credit loss provision to net charge-offs | 4,358.8235% | 96 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5101% | 3,577 |
| Assets per employee ($millions) | 10.9002% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 4,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 5,846 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 72.4408% | 1,507 |
| Net loans and leases to deposits | 88.8764% | 1,266 |
| Net loans and leases to core deposits | 99.7244% | 1,122 |
| Total domestic deposits to total assets | 81.5074% | 5,090 |
| Equity capital to assets | 11.6840% | 2,114 |
| Core capital (leverage) ratio | 11.5744% | 1,914 |
| Tier 1 risk-based capital ratio | 12.2830% | 5,454 |
| Total risk-based capital ratio | 13.2235% | 5,594 |
| Memoranda: | ||
| Average total assets | $1,176,023,000 | 578 |
| Average earning assets | $1,091,709,000 | 560 |
| Average equity | $129,715,000 | 561 |
| Average total loans | $820,199,500 | 526 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0324% | 6,311 |
| Cost of funding earning assets | 0.3384% | 5,258 |
| Net interest margin | 2.6940% | 6,149 |
| Noninterest income to average assets | 0.3374% | 4,905 |
| Noninterest expense to average assets | 2.1550% | 5,722 |
| Loan and lease loss provision to assets | 0.0213% | 4,707 |
| Net operating income to assets | 0.4477% | 4,964 |
| Return on assets (ROA) | 0.4574% | 5,053 |
| Pretax return on assets | 0.6824% | 4,603 |
| Return on Equity (ROE) | 4.1579% | 5,030 |
| Retained earnings to average equity (ytd only) | 4.1579% | 3,213 |
| Net charge-offs to loans | 0.0207% | 5,018 |
| Credit loss provision to net charge-offs | 147.3054% | 1,577 |
| Earnings coverage of net charge-offs (x) | 47.5868% | 826 |
| Efficiency ratio | 75.7676% | 2,814 |
| Assets per employee ($millions) | 11.9352% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 4,016 |
| Loan loss allowance to noncurrent loans | 366.1137% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 5,159 |
| Noncurrent loans to loans | 0.3616% | 5,103 |
| Net loans and leases to total assets | 65.5795% | 2,756 |
| Net loans and leases to deposits | 74.3665% | 3,208 |
| Net loans and leases to core deposits | 81.9275% | 2,902 |
| Total domestic deposits to total assets | 88.1842% | 2,064 |
| Equity capital to assets | 10.4327% | 3,245 |
| Core capital (leverage) ratio | 11.5885% | 1,897 |
| Tier 1 risk-based capital ratio | 12.4848% | 5,299 |
| Total risk-based capital ratio | 13.5273% | 5,371 |
| Memoranda: | ||
| Average total assets | $1,153,053,000 | 568 |
| Average earning assets | $1,072,952,600 | 554 |
| Average equity | $126,842,400 | 561 |
| Average total loans | $805,846,400 | 517 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1044% | 6,312 |
| Cost of funding earning assets | 0.3554% | 5,247 |
| Net interest margin | 2.7491% | 6,091 |
| Noninterest income to average assets | 0.3626% | 4,798 |
| Noninterest expense to average assets | 2.1809% | 5,645 |
| Loan and lease loss provision to assets | -0.0715% | 6,581 |
| Net operating income to assets | 0.5237% | 4,696 |
| Return on assets (ROA) | 0.5365% | 4,783 |
| Pretax return on assets | 0.8287% | 4,194 |
| Return on Equity (ROE) | 4.8097% | 4,819 |
| Retained earnings to average equity (ytd only) | 4.8097% | 3,226 |
| Net charge-offs to loans | 0.0279% | 4,565 |
| Credit loss provision to net charge-offs | -361.9048% | 5,992 |
| Earnings coverage of net charge-offs (x) | 37.3400% | 1,054 |
| Efficiency ratio | 74.7281% | 2,946 |
| Assets per employee ($millions) | 10.9906% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 4,668 |
| Loan loss allowance to noncurrent loans | 337.1699% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 5,221 |
| Noncurrent loans to loans | 0.3691% | 5,292 |
| Net loans and leases to total assets | 70.5009% | 1,867 |
| Net loans and leases to deposits | 86.2413% | 1,590 |
| Net loans and leases to core deposits | 96.8460% | 1,328 |
| Total domestic deposits to total assets | 81.7484% | 5,011 |
| Equity capital to assets | 11.4293% | 2,354 |
| Core capital (leverage) ratio | 11.7385% | 1,862 |
| Tier 1 risk-based capital ratio | 12.8446% | 5,230 |
| Total risk-based capital ratio | 13.8388% | 5,346 |
| Memoranda: | ||
| Average total assets | $1,133,984,500 | 583 |
| Average earning assets | $1,054,299,250 | 563 |
| Average equity | $126,490,000 | 570 |
| Average total loans | $803,057,750 | 519 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0829% | 6,363 |
| Cost of funding earning assets | 0.3703% | 5,226 |
| Net interest margin | 2.7127% | 6,161 |
| Noninterest income to average assets | 0.3723% | 4,732 |
| Noninterest expense to average assets | 2.1841% | 5,669 |
| Loan and lease loss provision to assets | -0.0689% | 6,671 |
| Net operating income to assets | 0.5108% | 4,762 |
| Return on assets (ROA) | 0.5299% | 4,834 |
| Pretax return on assets | 0.8184% | 4,242 |
| Return on Equity (ROE) | 4.7894% | 4,834 |
| Retained earnings to average equity (ytd only) | 4.7894% | 3,193 |
| Net charge-offs to loans | 0.0415% | 4,095 |
| Credit loss provision to net charge-offs | -234.7305% | 5,763 |
| Earnings coverage of net charge-offs (x) | 24.5449% | 1,292 |
| Efficiency ratio | 75.2027% | 2,914 |
| Assets per employee ($millions) | 11.9042% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 4,730 |
| Loan loss allowance to noncurrent loans | 343.9338% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.4100% | 5,251 |
| Noncurrent loans to loans | 0.3639% | 5,363 |
| Net loans and leases to total assets | 73.3170% | 1,353 |
| Net loans and leases to deposits | 85.5002% | 1,628 |
| Net loans and leases to core deposits | 95.6708% | 1,384 |
| Total domestic deposits to total assets | 85.7507% | 3,504 |
| Equity capital to assets | 11.5374% | 2,261 |
| Core capital (leverage) ratio | 11.4071% | 2,017 |
| Tier 1 risk-based capital ratio | 12.7185% | 5,347 |
| Total risk-based capital ratio | 13.7386% | 5,450 |
| Memoranda: | ||
| Average total assets | $1,138,299,000 | 580 |
| Average earning assets | $1,062,501,670 | 559 |
| Average equity | $125,944,330 | 576 |
| Average total loans | $803,975,670 | 512 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9385% | 6,574 |
| Cost of funding earning assets | 0.3872% | 5,223 |
| Net interest margin | 2.5512% | 6,439 |
| Noninterest income to average assets | 0.2487% | 5,680 |
| Noninterest expense to average assets | 2.0916% | 5,927 |
| Loan and lease loss provision to assets | -0.1580% | 6,874 |
| Net operating income to assets | 0.4980% | 4,678 |
| Return on assets (ROA) | 0.4980% | 4,832 |
| Pretax return on assets | 0.7008% | 4,578 |
| Return on Equity (ROE) | 4.5937% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.5937% | 3,482 |
| Net charge-offs to loans | 0.0520% | 3,307 |
| Credit loss provision to net charge-offs | -440.3846% | 5,444 |
| Earnings coverage of net charge-offs (x) | 15.1346% | 1,415 |
| Efficiency ratio | 79.3952% | 2,416 |
| Assets per employee ($millions) | 12.4247% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 4,752 |
| Loan loss allowance to noncurrent loans | 295.9279% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 5,272 |
| Noncurrent loans to loans | 0.4363% | 5,330 |
| Net loans and leases to total assets | 69.5634% | 1,741 |
| Net loans and leases to deposits | 79.6797% | 2,120 |
| Net loans and leases to core deposits | 87.2279% | 1,986 |
| Total domestic deposits to total assets | 87.3038% | 2,753 |
| Equity capital to assets | 11.3132% | 2,619 |
| Core capital (leverage) ratio | 10.8739% | 2,374 |
| Tier 1 risk-based capital ratio | 12.7943% | 5,377 |
| Total risk-based capital ratio | 13.8350% | 5,471 |
| Memoranda: | ||
| Average total assets | $1,159,855,000 | 570 |
| Average earning assets | $1,084,648,000 | 551 |
| Average equity | $125,738,500 | 583 |
| Average total loans | $799,396,000 | 516 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1180% | 6,714 |
| Cost of funding earning assets | 0.4247% | 5,755 |
| Net interest margin | 2.6933% | 6,529 |
| Noninterest income to average assets | 0.2615% | 5,597 |
| Noninterest expense to average assets | 2.0168% | 6,293 |
| Loan and lease loss provision to assets | -0.1242% | 6,937 |
| Net operating income to assets | 0.5680% | 4,387 |
| Return on assets (ROA) | 0.5697% | 4,640 |
| Pretax return on assets | 0.8824% | 3,984 |
| Return on Equity (ROE) | 4.9850% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.9850% | 2,718 |
| Net charge-offs to loans | -0.3126% | 6,980 |
| Credit loss provision to net charge-offs | 56.8113% | 4,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7451% | 3,280 |
| Assets per employee ($millions) | 13.4999% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 4,516 |
| Loan loss allowance to noncurrent loans | 292.6936% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 5,406 |
| Noncurrent loans to loans | 0.4524% | 5,373 |
| Net loans and leases to total assets | 66.5849% | 2,442 |
| Net loans and leases to deposits | 77.7593% | 2,571 |
| Net loans and leases to core deposits | 85.7240% | 2,352 |
| Total domestic deposits to total assets | 85.6294% | 3,540 |
| Equity capital to assets | 10.4013% | 3,641 |
| Core capital (leverage) ratio | 11.1304% | 2,142 |
| Tier 1 risk-based capital ratio | 12.5100% | 5,470 |
| Total risk-based capital ratio | 13.5983% | 5,520 |
| Memoranda: | ||
| Average total assets | $1,064,152,200 | 619 |
| Average earning assets | $992,076,400 | 591 |
| Average equity | $121,606,000 | 590 |
| Average total loans | $744,519,000 | 550 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1707% | 6,811 |
| Cost of funding earning assets | 0.4457% | 5,826 |
| Net interest margin | 2.7250% | 6,611 |
| Noninterest income to average assets | 0.2746% | 5,585 |
| Noninterest expense to average assets | 2.0917% | 6,182 |
| Loan and lease loss provision to assets | -0.1349% | 7,061 |
| Net operating income to assets | 0.5650% | 4,546 |
| Return on assets (ROA) | 0.5673% | 4,804 |
| Pretax return on assets | 0.8584% | 4,268 |
| Return on Equity (ROE) | 4.8379% | 4,899 |
| Retained earnings to average equity (ytd only) | 4.8379% | 3,481 |
| Net charge-offs to loans | -0.4484% | 7,092 |
| Credit loss provision to net charge-offs | 42.5654% | 4,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3933% | 2,918 |
| Assets per employee ($millions) | 12.3669% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 4,132 |
| Loan loss allowance to noncurrent loans | 1,351.5777% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 6,082 |
| Noncurrent loans to loans | 0.1078% | 6,346 |
| Net loans and leases to total assets | 70.8557% | 1,751 |
| Net loans and leases to deposits | 87.3501% | 1,437 |
| Net loans and leases to core deposits | 104.1046% | 859 |
| Total domestic deposits to total assets | 81.1169% | 5,318 |
| Equity capital to assets | 11.6666% | 2,574 |
| Core capital (leverage) ratio | 12.0823% | 1,605 |
| Tier 1 risk-based capital ratio | 12.7443% | 5,449 |
| Total risk-based capital ratio | 13.9044% | 5,481 |
| Memoranda: | ||
| Average total assets | $1,029,818,250 | 646 |
| Average earning assets | $958,789,250 | 624 |
| Average equity | $120,765,000 | 593 |
| Average total loans | $727,962,500 | 565 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2261% | 6,859 |
| Cost of funding earning assets | 0.4675% | 5,843 |
| Net interest margin | 2.7586% | 6,636 |
| Noninterest income to average assets | 0.2655% | 5,676 |
| Noninterest expense to average assets | 2.1448% | 6,140 |
| Loan and lease loss provision to assets | 0.1084% | 4,166 |
| Net operating income to assets | 0.4057% | 5,195 |
| Return on assets (ROA) | 0.4094% | 5,418 |
| Pretax return on assets | 0.5944% | 5,157 |
| Return on Equity (ROE) | 3.4849% | 5,484 |
| Retained earnings to average equity (ytd only) | 3.4849% | 4,270 |
| Net charge-offs to loans | -0.0075% | 6,230 |
| Credit loss provision to net charge-offs | -2,044.4444% | 6,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4611% | 2,830 |
| Assets per employee ($millions) | 12.1749% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 4,275 |
| Loan loss allowance to noncurrent loans | 842.3203% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 6,036 |
| Noncurrent loans to loans | 0.1713% | 6,242 |
| Net loans and leases to total assets | 68.0662% | 2,283 |
| Net loans and leases to deposits | 79.3381% | 2,472 |
| Net loans and leases to core deposits | 91.5499% | 1,815 |
| Total domestic deposits to total assets | 85.7925% | 3,462 |
| Equity capital to assets | 11.6935% | 2,417 |
| Core capital (leverage) ratio | 11.8400% | 1,692 |
| Tier 1 risk-based capital ratio | 13.2391% | 5,009 |
| Total risk-based capital ratio | 14.3783% | 5,067 |
| Memoranda: | ||
| Average total assets | $1,018,574,000 | 653 |
| Average earning assets | $951,441,330 | 629 |
| Average equity | $119,660,000 | 597 |
| Average total loans | $715,708,670 | 575 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1678% | 6,968 |
| Cost of funding earning assets | 0.4990% | 5,829 |
| Net interest margin | 2.6689% | 6,812 |
| Noninterest income to average assets | 0.3468% | 5,086 |
| Noninterest expense to average assets | 2.1171% | 6,238 |
| Loan and lease loss provision to assets | 0.1405% | 3,595 |
| Net operating income to assets | 0.4363% | 5,102 |
| Return on assets (ROA) | 0.4363% | 5,288 |
| Pretax return on assets | 0.6045% | 5,103 |
| Return on Equity (ROE) | 3.7047% | 5,426 |
| Retained earnings to average equity (ytd only) | 3.7047% | 4,364 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9696% | 3,104 |
| Assets per employee ($millions) | 11.8998% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 4,693 |
| Loan loss allowance to noncurrent loans | 183.8498% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 5,095 |
| Noncurrent loans to loans | 0.7496% | 5,163 |
| Net loans and leases to total assets | 72.2078% | 1,365 |
| Net loans and leases to deposits | 84.3963% | 1,612 |
| Net loans and leases to core deposits | 86.1673% | 2,273 |
| Total domestic deposits to total assets | 85.5579% | 3,764 |
| Equity capital to assets | 11.9861% | 2,054 |
| Core capital (leverage) ratio | 12.0471% | 1,558 |
| Tier 1 risk-based capital ratio | 13.0936% | 5,137 |
| Total risk-based capital ratio | 14.2073% | 5,219 |
| Memoranda: | ||
| Average total assets | $1,010,428,500 | 661 |
| Average earning assets | $952,319,500 | 633 |
| Average equity | $118,984,000 | 601 |
| Average total loans | $716,211,500 | 570 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5402% | 6,973 |
| Cost of funding earning assets | 0.5977% | 6,097 |
| Net interest margin | 2.9425% | 6,621 |
| Noninterest income to average assets | 0.2518% | 5,726 |
| Noninterest expense to average assets | 1.9824% | 6,700 |
| Loan and lease loss provision to assets | 0.8047% | 1,217 |
| Net operating income to assets | 0.1645% | 5,691 |
| Return on assets (ROA) | 0.2074% | 5,701 |
| Pretax return on assets | 0.3067% | 5,538 |
| Return on Equity (ROE) | 1.5692% | 5,821 |
| Retained earnings to average equity (ytd only) | 1.5692% | 5,092 |
| Net charge-offs to loans | 1.4162% | 1,154 |
| Credit loss provision to net charge-offs | 76.4718% | 4,623 |
| Earnings coverage of net charge-offs (x) | 0.9963% | 5,047 |
| Efficiency ratio | 65.4092% | 4,881 |
| Assets per employee ($millions) | 12.4546% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 4,517 |
| Loan loss allowance to noncurrent loans | 176.9273% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.7123% | 5,217 |
| Noncurrent loans to loans | 0.7851% | 5,114 |
| Net loans and leases to total assets | 67.6439% | 2,465 |
| Net loans and leases to deposits | 78.7177% | 2,726 |
| Net loans and leases to core deposits | 87.1472% | 2,482 |
| Total domestic deposits to total assets | 85.9323% | 3,360 |
| Equity capital to assets | 11.5695% | 2,454 |
| Core capital (leverage) ratio | 12.8106% | 1,214 |
| Tier 1 risk-based capital ratio | 13.7449% | 4,523 |
| Total risk-based capital ratio | 14.8859% | 4,561 |
| Memoranda: | ||
| Average total assets | $887,782,200 | 738 |
| Average earning assets | $838,435,400 | 706 |
| Average equity | $117,320,000 | 588 |
| Average total loans | $659,648,400 | 625 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7251% | 6,912 |
| Cost of funding earning assets | 0.6417% | 6,079 |
| Net interest margin | 3.0834% | 6,421 |
| Noninterest income to average assets | 0.2539% | 5,804 |
| Noninterest expense to average assets | 2.1394% | 6,429 |
| Loan and lease loss provision to assets | 0.6709% | 1,440 |
| Net operating income to assets | 0.2310% | 5,616 |
| Return on assets (ROA) | 0.2625% | 5,684 |
| Pretax return on assets | 0.3956% | 5,487 |
| Return on Equity (ROE) | 1.9149% | 5,804 |
| Retained earnings to average equity (ytd only) | 1.9149% | 5,182 |
| Net charge-offs to loans | 0.5120% | 2,711 |
| Credit loss provision to net charge-offs | 172.3737% | 1,740 |
| Earnings coverage of net charge-offs (x) | 2.6175% | 3,809 |
| Efficiency ratio | 67.7438% | 4,364 |
| Assets per employee ($millions) | 10.7223% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0399% | 2,230 |
| Loan loss allowance to noncurrent loans | 332.3010% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 5,439 |
| Noncurrent loans to loans | 0.6139% | 5,665 |
| Net loans and leases to total assets | 75.9373% | 987 |
| Net loans and leases to deposits | 91.0005% | 1,109 |
| Net loans and leases to core deposits | 107.9961% | 769 |
| Total domestic deposits to total assets | 83.4471% | 4,506 |
| Equity capital to assets | 13.6001% | 1,326 |
| Core capital (leverage) ratio | 14.0239% | 899 |
| Tier 1 risk-based capital ratio | 14.3963% | 4,055 |
| Total risk-based capital ratio | 15.6520% | 4,015 |
| Memoranda: | ||
| Average total assets | $854,408,750 | 771 |
| Average earning assets | $804,761,000 | 742 |
| Average equity | $117,110,750 | 599 |
| Average total loans | $649,420,000 | 643 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8092% | 6,910 |
| Cost of funding earning assets | 0.6953% | 5,994 |
| Net interest margin | 3.1139% | 6,378 |
| Noninterest income to average assets | 0.2248% | 6,062 |
| Noninterest expense to average assets | 2.1680% | 6,461 |
| Loan and lease loss provision to assets | 0.5592% | 1,728 |
| Net operating income to assets | 0.2867% | 5,418 |
| Return on assets (ROA) | 0.3335% | 5,373 |
| Pretax return on assets | 0.5148% | 5,009 |
| Return on Equity (ROE) | 2.4269% | 5,634 |
| Retained earnings to average equity (ytd only) | 2.4269% | 4,745 |
| Net charge-offs to loans | 0.7776% | 1,949 |
| Credit loss provision to net charge-offs | 95.2686% | 3,297 |
| Earnings coverage of net charge-offs (x) | 1.7069% | 4,019 |
| Efficiency ratio | 68.3917% | 4,441 |
| Assets per employee ($millions) | 11.0459% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8648% | 2,782 |
| Loan loss allowance to noncurrent loans | 285.7730% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 5,480 |
| Noncurrent loans to loans | 0.6525% | 5,618 |
| Net loans and leases to total assets | 75.0267% | 1,239 |
| Net loans and leases to deposits | 90.3159% | 1,237 |
| Net loans and leases to core deposits | 109.2382% | 747 |
| Total domestic deposits to total assets | 83.0715% | 4,725 |
| Equity capital to assets | 14.2183% | 1,026 |
| Core capital (leverage) ratio | 13.8812% | 898 |
| Tier 1 risk-based capital ratio | 15.4817% | 3,253 |
| Total risk-based capital ratio | 16.7356% | 3,200 |
| Memoranda: | ||
| Average total assets | $849,709,670 | 783 |
| Average earning assets | $803,687,000 | 756 |
| Average equity | $116,775,000 | 600 |
| Average total loans | $641,475,330 | 664 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5750% | 7,156 |
| Cost of funding earning assets | 0.5931% | 6,629 |
| Net interest margin | 2.9819% | 6,605 |
| Noninterest income to average assets | 0.1344% | 6,743 |
| Noninterest expense to average assets | 2.2047% | 6,413 |
| Loan and lease loss provision to assets | 0.4979% | 1,754 |
| Net operating income to assets | 0.1688% | 5,891 |
| Return on assets (ROA) | 0.1878% | 5,883 |
| Pretax return on assets | 0.2864% | 5,699 |
| Return on Equity (ROE) | 1.3899% | 6,025 |
| Retained earnings to average equity (ytd only) | 1.3899% | 5,270 |
| Net charge-offs to loans | 1.5460% | 877 |
| Credit loss provision to net charge-offs | 42.9259% | 3,890 |
| Earnings coverage of net charge-offs (x) | 0.6513% | 4,138 |
| Efficiency ratio | 74.4778% | 3,429 |
| Assets per employee ($millions) | 12.0321% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6453% | 3,548 |
| Loan loss allowance to noncurrent loans | 254.1737% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 5,610 |
| Noncurrent loans to loans | 0.6473% | 5,736 |
| Net loans and leases to total assets | 71.4959% | 1,814 |
| Net loans and leases to deposits | 85.8714% | 1,754 |
| Net loans and leases to core deposits | 103.0758% | 1,125 |
| Total domestic deposits to total assets | 83.2592% | 4,810 |
| Equity capital to assets | 13.2753% | 1,270 |
| Core capital (leverage) ratio | 13.6577% | 923 |
| Tier 1 risk-based capital ratio | 15.4381% | 3,183 |
| Total risk-based capital ratio | 16.6900% | 3,142 |
| Memoranda: | ||
| Average total assets | $860,344,000 | 776 |
| Average earning assets | $815,328,500 | 751 |
| Average equity | $116,267,500 | 592 |
| Average total loans | $645,531,500 | 664 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7882% | 7,259 |
| Cost of funding earning assets | 0.8082% | 6,534 |
| Net interest margin | 2.9800% | 6,771 |
| Noninterest income to average assets | 0.1746% | 6,488 |
| Noninterest expense to average assets | 2.2573% | 6,463 |
| Loan and lease loss provision to assets | 0.3631% | 3,938 |
| Net operating income to assets | 1.6179% | 605 |
| Return on assets (ROA) | 1.6455% | 618 |
| Pretax return on assets | 0.4465% | 4,804 |
| Return on Equity (ROE) | 12.0807% | 1,306 |
| Retained earnings to average equity (ytd only) | 12.0807% | 270 |
| Net charge-offs to loans | 0.2335% | 4,884 |
| Credit loss provision to net charge-offs | 199.2210% | 1,582 |
| Earnings coverage of net charge-offs (x) | 4.2904% | 2,983 |
| Efficiency ratio | 74.2716% | 3,340 |
| Assets per employee ($millions) | 11.6992% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8280% | 2,766 |
| Loan loss allowance to noncurrent loans | 13,870.9302% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 6,684 |
| Noncurrent loans to loans | 0.0132% | 7,124 |
| Net loans and leases to total assets | 76.0556% | 1,259 |
| Net loans and leases to deposits | 92.2958% | 1,238 |
| Net loans and leases to core deposits | 112.0435% | 810 |
| Total domestic deposits to total assets | 82.4042% | 5,058 |
| Equity capital to assets | 13.7631% | 1,108 |
| Core capital (leverage) ratio | 14.3463% | 780 |
| Tier 1 risk-based capital ratio | 15.0822% | 3,197 |
| Total risk-based capital ratio | 16.3362% | 3,144 |
| Memoranda: | ||
| Average total assets | $774,728,000 | 876 |
| Average earning assets | $744,725,800 | 824 |
| Average equity | $105,523,400 | 642 |
| Average total loans | $604,823,000 | 735 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 7,397 |
| Cost of funding earning assets | 0.8650% | 6,525 |
| Net interest margin | 2.9387% | 6,948 |
| Noninterest income to average assets | 0.1656% | 6,684 |
| Noninterest expense to average assets | 2.3027% | 6,320 |
| Loan and lease loss provision to assets | 0.2794% | 4,342 |
| Net operating income to assets | 0.4179% | 4,670 |
| Return on assets (ROA) | 0.4457% | 4,751 |
| Pretax return on assets | 0.4457% | 5,096 |
| Return on Equity (ROE) | 3.2814% | 5,105 |
| Retained earnings to average equity (ytd only) | 3.2814% | 4,137 |
| Net charge-offs to loans | 0.3110% | 4,092 |
| Credit loss provision to net charge-offs | 114.8228% | 3,640 |
| Earnings coverage of net charge-offs (x) | 2.8655% | 3,699 |
| Efficiency ratio | 76.7580% | 2,805 |
| Assets per employee ($millions) | 11.2693% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 2,994 |
| Loan loss allowance to noncurrent loans | 4,606.4378% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 6,741 |
| Noncurrent loans to loans | 0.0380% | 7,153 |
| Net loans and leases to total assets | 75.3071% | 1,530 |
| Net loans and leases to deposits | 91.1343% | 1,554 |
| Net loans and leases to core deposits | 112.1725% | 925 |
| Total domestic deposits to total assets | 82.6332% | 4,739 |
| Equity capital to assets | 13.2468% | 1,474 |
| Core capital (leverage) ratio | 13.2568% | 1,129 |
| Tier 1 risk-based capital ratio | 14.7103% | 3,388 |
| Total risk-based capital ratio | 15.9636% | 3,369 |
| Memoranda: | ||
| Average total assets | $757,824,500 | 891 |
| Average earning assets | $730,911,750 | 840 |
| Average equity | $102,921,250 | 647 |
| Average total loans | $592,884,500 | 755 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7767% | 7,498 |
| Cost of funding earning assets | 0.8860% | 6,640 |
| Net interest margin | 2.8907% | 7,020 |
| Noninterest income to average assets | 0.1132% | 7,037 |
| Noninterest expense to average assets | 2.3073% | 6,332 |
| Loan and lease loss provision to assets | 0.2415% | 4,499 |
| Net operating income to assets | 0.3719% | 4,883 |
| Return on assets (ROA) | 0.4144% | 4,847 |
| Pretax return on assets | 0.4144% | 5,179 |
| Return on Equity (ROE) | 3.0246% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.0246% | 4,188 |
| Net charge-offs to loans | 0.4719% | 3,117 |
| Credit loss provision to net charge-offs | 64.9313% | 5,096 |
| Earnings coverage of net charge-offs (x) | 1.6493% | 4,267 |
| Efficiency ratio | 78.9983% | 2,574 |
| Assets per employee ($millions) | 11.2709% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7091% | 3,036 |
| Loan loss allowance to noncurrent loans | 3,260.7143% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 6,748 |
| Noncurrent loans to loans | 0.0524% | 7,186 |
| Net loans and leases to total assets | 72.1770% | 2,352 |
| Net loans and leases to deposits | 89.0946% | 1,989 |
| Net loans and leases to core deposits | 111.8125% | 1,045 |
| Total domestic deposits to total assets | 81.0117% | 5,394 |
| Equity capital to assets | 13.1420% | 1,505 |
| Core capital (leverage) ratio | 13.5942% | 1,027 |
| Tier 1 risk-based capital ratio | 15.3417% | 2,982 |
| Total risk-based capital ratio | 16.5946% | 2,946 |
| Memoranda: | ||
| Average total assets | $743,726,670 | 917 |
| Average earning assets | $722,327,670 | 851 |
| Average equity | $101,898,330 | 649 |
| Average total loans | $586,086,330 | 775 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 7,554 |
| Cost of funding earning assets | 0.9117% | 6,724 |
| Net interest margin | 2.9375% | 6,957 |
| Noninterest income to average assets | 0.1795% | 6,673 |
| Noninterest expense to average assets | 2.5141% | 5,684 |
| Loan and lease loss provision to assets | 0.1146% | 5,466 |
| Net operating income to assets | 0.3986% | 4,847 |
| Return on assets (ROA) | 0.3986% | 4,989 |
| Pretax return on assets | 0.3986% | 5,292 |
| Return on Equity (ROE) | 2.8445% | 5,408 |
| Retained earnings to average equity (ytd only) | 2.8445% | 4,422 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0471% | 2,135 |
| Assets per employee ($millions) | 10.3145% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8300% | 2,637 |
| Loan loss allowance to noncurrent loans | 382.7746% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 5,977 |
| Noncurrent loans to loans | 0.4781% | 6,339 |
| Net loans and leases to total assets | 77.5295% | 1,240 |
| Net loans and leases to deposits | 97.0794% | 990 |
| Net loans and leases to core deposits | 121.8089% | 716 |
| Total domestic deposits to total assets | 79.8620% | 5,834 |
| Equity capital to assets | 13.9430% | 1,161 |
| Core capital (leverage) ratio | 14.2840% | 902 |
| Tier 1 risk-based capital ratio | 15.0602% | 3,093 |
| Total risk-based capital ratio | 16.3142% | 3,041 |
| Memoranda: | ||
| Average total assets | $715,473,500 | 964 |
| Average earning assets | $693,651,500 | 905 |
| Average equity | $100,264,000 | 659 |
| Average total loans | $585,316,000 | 794 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 7,699 |
| Cost of funding earning assets | 0.9945% | 7,217 |
| Net interest margin | 2.9987% | 6,650 |
| Noninterest income to average assets | 0.0791% | 7,357 |
| Noninterest expense to average assets | 2.8864% | 4,581 |
| Loan and lease loss provision to assets | 1.6796% | 1,363 |
| Net operating income to assets | -1.5745% | 6,897 |
| Return on assets (ROA) | -1.5745% | 6,895 |
| Pretax return on assets | -1.5745% | 6,740 |
| Return on Equity (ROE) | -9.3802% | 6,571 |
| Retained earnings to average equity (ytd only) | -9.3802% | 6,465 |
| Net charge-offs to loans | 1.0406% | 2,330 |
| Credit loss provision to net charge-offs | 195.3331% | 2,028 |
| Earnings coverage of net charge-offs (x) | 0.1222% | 6,039 |
| Efficiency ratio | 96.4878% | 1,293 |
| Assets per employee ($millions) | 9.4288% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8023% | 2,536 |
| Loan loss allowance to noncurrent loans | 428.6645% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 5,907 |
| Noncurrent loans to loans | 0.4205% | 6,431 |
| Net loans and leases to total assets | 83.3358% | 506 |
| Net loans and leases to deposits | 114.6885% | 254 |
| Net loans and leases to core deposits | 122.3776% | 1,751 |
| Total domestic deposits to total assets | 72.6627% | 7,186 |
| Equity capital to assets | 14.0899% | 1,144 |
| Core capital (leverage) ratio | 13.6958% | 1,043 |
| Tier 1 risk-based capital ratio | 14.1005% | 3,440 |
| Total risk-based capital ratio | 15.3541% | 3,392 |
| Memoranda: | ||
| Average total assets | $600,571,600 | 1,153 |
| Average earning assets | $583,281,200 | 1,084 |
| Average equity | $100,808,200 | 649 |
| Average total loans | $496,274,800 | 970 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 7,822 |
| Cost of funding earning assets | 1.0065% | 7,376 |
| Net interest margin | 2.9372% | 6,757 |
| Noninterest income to average assets | 0.0772% | 7,517 |
| Noninterest expense to average assets | 3.0418% | 3,877 |
| Loan and lease loss provision to assets | 1.5938% | 1,187 |
| Net operating income to assets | -1.7060% | 7,195 |
| Return on assets (ROA) | -1.7060% | 7,191 |
| Pretax return on assets | -1.7060% | 7,049 |
| Return on Equity (ROE) | -9.7005% | 6,873 |
| Retained earnings to average equity (ytd only) | -9.7005% | 6,777 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8304% | 925 |
| Assets per employee ($millions) | 9.0202% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2600% | 1,338 |
| Loan loss allowance to noncurrent loans | 131.8660% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 1.4621% | 4,184 |
| Noncurrent loans to loans | 1.7139% | 4,070 |
| Net loans and leases to total assets | 83.3833% | 625 |
| Net loans and leases to deposits | 112.5536% | 371 |
| Net loans and leases to core deposits | 117.9686% | 2,417 |
| Total domestic deposits to total assets | 74.0832% | 6,933 |
| Equity capital to assets | 15.2485% | 937 |
| Core capital (leverage) ratio | 14.7805% | 901 |
| Tier 1 risk-based capital ratio | 14.8917% | 3,095 |
| Total risk-based capital ratio | 16.1498% | 3,027 |
| Memoranda: | ||
| Average total assets | $578,639,250 | 1,208 |
| Average earning assets | $561,917,750 | 1,133 |
| Average equity | $101,765,000 | 649 |
| Average total loans | $474,311,250 | 1,031 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9018% | 7,941 |
| Cost of funding earning assets | 1.0270% | 7,497 |
| Net interest margin | 2.8748% | 6,856 |
| Noninterest income to average assets | 0.0768% | 7,600 |
| Noninterest expense to average assets | 3.2157% | 3,290 |
| Loan and lease loss provision to assets | 1.0961% | 1,564 |
| Net operating income to assets | -1.4500% | 7,219 |
| Return on assets (ROA) | -1.4500% | 7,226 |
| Pretax return on assets | -1.4500% | 7,066 |
| Return on Equity (ROE) | -7.8382% | 6,881 |
| Retained earnings to average equity (ytd only) | -7.8382% | 6,649 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.3646% | 789 |
| Assets per employee ($millions) | 8.3497% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7065% | 2,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 81.7131% | 1,006 |
| Net loans and leases to deposits | 129.0393% | 128 |
| Net loans and leases to core deposits | 136.0353% | 1,205 |
| Total domestic deposits to total assets | 63.3242% | 7,853 |
| Equity capital to assets | 16.5916% | 736 |
| Core capital (leverage) ratio | 17.2285% | 589 |
| Tier 1 risk-based capital ratio | 17.0392% | 2,291 |
| Total risk-based capital ratio | 18.2914% | 2,238 |
| Memoranda: | ||
| Average total assets | $555,034,000 | 1,274 |
| Average earning assets | $537,700,670 | 1,203 |
| Average equity | $102,676,000 | 658 |
| Average total loans | $447,728,670 | 1,119 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7799% | 8,045 |
| Cost of funding earning assets | 1.1254% | 7,472 |
| Net interest margin | 2.6544% | 7,287 |
| Noninterest income to average assets | 0.0697% | 7,716 |
| Noninterest expense to average assets | 3.1528% | 3,182 |
| Loan and lease loss provision to assets | 0.3789% | 3,050 |
| Net operating income to assets | -0.8898% | 7,183 |
| Return on assets (ROA) | -0.8898% | 7,211 |
| Pretax return on assets | -0.8898% | 7,091 |
| Return on Equity (ROE) | -4.5395% | 6,943 |
| Retained earnings to average equity (ytd only) | -4.5395% | 6,493 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.3345% | 645 |
| Assets per employee ($millions) | 7.8586% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 3,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 79.2973% | 1,522 |
| Net loans and leases to deposits | 114.7102% | 417 |
| Net loans and leases to core deposits | 120.5670% | 2,367 |
| Total domestic deposits to total assets | 69.1284% | 7,501 |
| Equity capital to assets | 19.0006% | 500 |
| Core capital (leverage) ratio | 19.2039% | 434 |
| Tier 1 risk-based capital ratio | 19.4053% | 1,736 |
| Total risk-based capital ratio | 20.5499% | 1,712 |
| Memoranda: | ||
| Average total assets | $527,786,000 | 1,339 |
| Average earning assets | $511,448,000 | 1,264 |
| Average equity | $103,448,500 | 648 |
| Average total loans | $418,236,500 | 1,212 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0243% | 7,820 |
| Cost of funding earning assets | 1.6636% | 7,331 |
| Net interest margin | 3.3607% | 5,819 |
| Noninterest income to average assets | 0.0673% | 7,814 |
| Noninterest expense to average assets | 4.5509% | 845 |
| Loan and lease loss provision to assets | 1.3290% | 1,067 |
| Net operating income to assets | -2.5689% | 7,727 |
| Return on assets (ROA) | -2.5689% | 7,695 |
| Pretax return on assets | -2.5689% | 7,607 |
| Return on Equity (ROE) | -7.4968% | 7,089 |
| Retained earnings to average equity (ytd only) | -7.4968% | 6,832 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.4480% | 418 |
| Assets per employee ($millions) | 8.0208% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 3,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 76.9057% | 2,400 |
| Net loans and leases to deposits | 113.4813% | 639 |
| Net loans and leases to core deposits | 120.3524% | 2,651 |
| Total domestic deposits to total assets | 67.7695% | 7,493 |
| Equity capital to assets | 20.2342% | 452 |
| Core capital (leverage) ratio | 24.4042% | 275 |
| Tier 1 risk-based capital ratio | 21.0844% | 1,447 |
| Total risk-based capital ratio | 22.2175% | 1,430 |
| Memoranda: | ||
| Average total assets | $311,958,200 | 2,141 |
| Average earning assets | $301,098,600 | 2,027 |
| Average equity | $106,899,000 | 634 |
| Average total loans | $238,919,600 | 1,977 |