Home > Bank of the Cascades > Performance and Condition Ratios
Bank of the Cascades, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7091% | 5,782 |
| Cost of funding earning assets | 0.0202% | 5,756 |
| Net interest margin | 0.6889% | 5,781 |
| Noninterest income to average assets | 0.1877% | 5,111 |
| Noninterest expense to average assets | 0.4957% | 5,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1921% | 5,403 |
| Return on assets (ROA) | 0.1921% | 5,415 |
| Pretax return on assets | 0.2974% | 5,343 |
| Return on Equity (ROE) | 1.4668% | 5,414 |
| Retained earnings to average equity (ytd only) | 1.4668% | 4,656 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0613% | 4,462 |
| Assets per employee ($millions) | 5.4806% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,731 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 4,664 |
| Noncurrent loans to loans | 0.1555% | 4,492 |
| Net loans and leases to total assets | 62.0478% | 3,626 |
| Net loans and leases to deposits | 75.0101% | 3,449 |
| Net loans and leases to core deposits | 78.9519% | 3,511 |
| Total domestic deposits to total assets | 82.7194% | 3,650 |
| Equity capital to assets | 15.5724% | 599 |
| Core capital (leverage) ratio | 8.1161% | 5,477 |
| Tier 1 risk-based capital ratio | 10.5312% | 5,441 |
| Total risk-based capital ratio | 10.5312% | 5,718 |
| Memoranda: | ||
| Average total assets | $3,175,379,000 | 297 |
| Average earning assets | $2,790,587,330 | 303 |
| Average equity | $415,871,670 | 257 |
| Average total loans | $2,097,680,330 | 309 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7003% | 4,116 |
| Cost of funding earning assets | 0.1089% | 5,619 |
| Net interest margin | 3.5914% | 2,916 |
| Noninterest income to average assets | 0.9725% | 1,053 |
| Noninterest expense to average assets | 2.6370% | 3,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9535% | 2,509 |
| Return on assets (ROA) | 0.9535% | 2,567 |
| Pretax return on assets | 1.5457% | 1,391 |
| Return on Equity (ROE) | 8.1023% | 2,870 |
| Retained earnings to average equity (ytd only) | 8.1023% | 1,418 |
| Net charge-offs to loans | -0.0129% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8918% | 4,164 |
| Assets per employee ($millions) | 5.1538% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 3,148 |
| Loan loss allowance to noncurrent loans | 198.6603% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.4632% | 3,353 |
| Noncurrent loans to loans | 0.6028% | 3,012 |
| Net loans and leases to total assets | 66.8799% | 2,834 |
| Net loans and leases to deposits | 77.0365% | 3,075 |
| Net loans and leases to core deposits | 80.8960% | 3,210 |
| Total domestic deposits to total assets | 86.8159% | 2,300 |
| Equity capital to assets | 11.7999% | 1,969 |
| Core capital (leverage) ratio | 8.8676% | 4,886 |
| Tier 1 risk-based capital ratio | 10.6338% | 5,492 |
| Total risk-based capital ratio | 11.6755% | 5,497 |
| Memoranda: | ||
| Average total assets | $3,099,719,000 | 305 |
| Average earning assets | $2,770,725,500 | 306 |
| Average equity | $364,784,000 | 290 |
| Average total loans | $2,114,448,000 | 308 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6805% | 4,276 |
| Cost of funding earning assets | 0.0834% | 5,766 |
| Net interest margin | 3.5971% | 3,073 |
| Noninterest income to average assets | 0.9813% | 1,197 |
| Noninterest expense to average assets | 3.0647% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6695% | 3,914 |
| Return on assets (ROA) | 0.6695% | 4,028 |
| Pretax return on assets | 1.0921% | 3,135 |
| Return on Equity (ROE) | 5.7060% | 4,119 |
| Retained earnings to average equity (ytd only) | 5.2693% | 2,152 |
| Net charge-offs to loans | -0.0457% | 5,372 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6455% | 2,485 |
| Assets per employee ($millions) | 4.9936% | 2,404 |
| Cash dividends to net income (ytd only)* | 7.6542% | 4,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 3,141 |
| Loan loss allowance to noncurrent loans | 184.4370% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 3,255 |
| Noncurrent loans to loans | 0.6495% | 2,909 |
| Net loans and leases to total assets | 67.9242% | 2,780 |
| Net loans and leases to deposits | 78.3311% | 3,063 |
| Net loans and leases to core deposits | 81.6886% | 3,235 |
| Total domestic deposits to total assets | 86.7142% | 2,279 |
| Equity capital to assets | 11.7361% | 1,981 |
| Core capital (leverage) ratio | 8.4431% | 5,325 |
| Tier 1 risk-based capital ratio | 10.3145% | 5,657 |
| Total risk-based capital ratio | 11.3583% | 5,655 |
| Memoranda: | ||
| Average total assets | $2,927,196,200 | 300 |
| Average earning assets | $2,584,132,400 | 308 |
| Average equity | $343,442,600 | 288 |
| Average total loans | $1,912,481,400 | 315 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6505% | 4,403 |
| Cost of funding earning assets | 0.0852% | 5,828 |
| Net interest margin | 3.5652% | 3,212 |
| Noninterest income to average assets | 0.9363% | 1,289 |
| Noninterest expense to average assets | 3.1377% | 1,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5895% | 4,334 |
| Return on assets (ROA) | 0.5895% | 4,441 |
| Pretax return on assets | 0.9367% | 3,856 |
| Return on Equity (ROE) | 5.0247% | 4,508 |
| Retained earnings to average equity (ytd only) | 5.0247% | 2,808 |
| Net charge-offs to loans | -0.0589% | 5,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9434% | 1,980 |
| Assets per employee ($millions) | 5.1254% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 3,120 |
| Loan loss allowance to noncurrent loans | 201.2118% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 3,623 |
| Noncurrent loans to loans | 0.6062% | 3,199 |
| Net loans and leases to total assets | 64.5252% | 3,331 |
| Net loans and leases to deposits | 74.4403% | 3,553 |
| Net loans and leases to core deposits | 77.4070% | 3,713 |
| Total domestic deposits to total assets | 86.6805% | 2,042 |
| Equity capital to assets | 11.3386% | 2,669 |
| Core capital (leverage) ratio | 8.2539% | 5,537 |
| Tier 1 risk-based capital ratio | 10.2138% | 5,732 |
| Total risk-based capital ratio | 11.2815% | 5,736 |
| Memoranda: | ||
| Average total assets | $2,891,224,250 | 301 |
| Average earning assets | $2,544,887,000 | 310 |
| Average equity | $339,197,250 | 289 |
| Average total loans | $1,862,777,000 | 319 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6916% | 4,325 |
| Cost of funding earning assets | 0.0861% | 5,909 |
| Net interest margin | 3.6055% | 3,079 |
| Noninterest income to average assets | 0.9100% | 1,346 |
| Noninterest expense to average assets | 3.1817% | 1,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5628% | 4,427 |
| Return on assets (ROA) | 0.5628% | 4,549 |
| Pretax return on assets | 0.8943% | 3,971 |
| Return on Equity (ROE) | 4.7374% | 4,633 |
| Retained earnings to average equity (ytd only) | 4.7374% | 2,905 |
| Net charge-offs to loans | -0.0281% | 5,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0575% | 1,922 |
| Assets per employee ($millions) | 4.6463% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,813 |
| Loan loss allowance to noncurrent loans | 201.7339% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.5142% | 3,494 |
| Noncurrent loans to loans | 0.6420% | 3,154 |
| Net loans and leases to total assets | 63.5196% | 3,433 |
| Net loans and leases to deposits | 73.4081% | 3,666 |
| Net loans and leases to core deposits | 76.1179% | 3,811 |
| Total domestic deposits to total assets | 86.5294% | 2,155 |
| Equity capital to assets | 11.3974% | 2,642 |
| Core capital (leverage) ratio | 7.8380% | 5,809 |
| Tier 1 risk-based capital ratio | 9.8831% | 5,879 |
| Total risk-based capital ratio | 10.9967% | 5,878 |
| Memoranda: | ||
| Average total assets | $2,799,134,000 | 312 |
| Average earning assets | $2,457,979,330 | 318 |
| Average equity | $332,546,000 | 294 |
| Average total loans | $1,794,013,000 | 329 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7999% | 3,942 |
| Cost of funding earning assets | 0.0897% | 5,954 |
| Net interest margin | 3.7102% | 2,625 |
| Noninterest income to average assets | 0.6803% | 2,136 |
| Noninterest expense to average assets | 3.3565% | 1,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3627% | 5,101 |
| Return on assets (ROA) | 0.3627% | 5,186 |
| Pretax return on assets | 0.5789% | 4,882 |
| Return on Equity (ROE) | 2.9865% | 5,244 |
| Retained earnings to average equity (ytd only) | 2.9865% | 4,021 |
| Net charge-offs to loans | -0.0035% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5234% | 1,107 |
| Assets per employee ($millions) | 4.8618% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 2,575 |
| Loan loss allowance to noncurrent loans | 214.9771% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 3,637 |
| Noncurrent loans to loans | 0.6358% | 3,265 |
| Net loans and leases to total assets | 59.2465% | 3,883 |
| Net loans and leases to deposits | 68.3895% | 4,019 |
| Net loans and leases to core deposits | 71.2387% | 4,135 |
| Total domestic deposits to total assets | 86.6310% | 2,395 |
| Equity capital to assets | 11.1427% | 2,781 |
| Core capital (leverage) ratio | 8.4843% | 5,402 |
| Tier 1 risk-based capital ratio | 10.2239% | 5,857 |
| Total risk-based capital ratio | 11.4149% | 5,802 |
| Memoranda: | ||
| Average total assets | $2,718,869,000 | 313 |
| Average earning assets | $2,385,403,000 | 327 |
| Average equity | $330,157,000 | 295 |
| Average total loans | $1,738,702,500 | 332 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8585% | 3,850 |
| Cost of funding earning assets | 0.0900% | 6,002 |
| Net interest margin | 3.7685% | 2,489 |
| Noninterest income to average assets | 1.0668% | 1,032 |
| Noninterest expense to average assets | 3.0086% | 2,512 |
| Loan and lease loss provision to assets | -0.1659% | 5,946 |
| Net operating income to assets | 0.9173% | 2,774 |
| Return on assets (ROA) | 0.9299% | 2,795 |
| Pretax return on assets | 1.4969% | 1,563 |
| Return on Equity (ROE) | 7.0415% | 3,494 |
| Retained earnings to average equity (ytd only) | 7.0415% | 1,264 |
| Net charge-offs to loans | -0.3959% | 6,056 |
| Credit loss provision to net charge-offs | 62.8733% | 3,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8581% | 3,428 |
| Assets per employee ($millions) | 4.7998% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 2,232 |
| Loan loss allowance to noncurrent loans | 476.8555% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 4,226 |
| Noncurrent loans to loans | 0.3029% | 4,371 |
| Net loans and leases to total assets | 67.6488% | 2,763 |
| Net loans and leases to deposits | 79.8767% | 2,831 |
| Net loans and leases to core deposits | 84.4084% | 2,936 |
| Total domestic deposits to total assets | 84.6916% | 3,210 |
| Equity capital to assets | 13.3522% | 1,185 |
| Core capital (leverage) ratio | 9.2501% | 4,546 |
| Tier 1 risk-based capital ratio | 11.3451% | 5,350 |
| Total risk-based capital ratio | 12.6045% | 5,235 |
| Memoranda: | ||
| Average total assets | $2,410,565,200 | 333 |
| Average earning assets | $2,080,836,000 | 343 |
| Average equity | $318,353,800 | 288 |
| Average total loans | $1,607,063,600 | 335 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8816% | 3,808 |
| Cost of funding earning assets | 0.0932% | 6,078 |
| Net interest margin | 3.7884% | 2,429 |
| Noninterest income to average assets | 1.0931% | 1,009 |
| Noninterest expense to average assets | 3.0597% | 2,335 |
| Loan and lease loss provision to assets | -0.1112% | 6,012 |
| Net operating income to assets | 0.8913% | 2,998 |
| Return on assets (ROA) | 0.9092% | 3,014 |
| Pretax return on assets | 1.4345% | 1,888 |
| Return on Equity (ROE) | 6.9040% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.9040% | 1,734 |
| Net charge-offs to loans | -0.5522% | 6,166 |
| Credit loss provision to net charge-offs | 30.4414% | 3,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4720% | 3,299 |
| Assets per employee ($millions) | 4.6555% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6148% | 1,737 |
| Loan loss allowance to noncurrent loans | 518.6635% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 4,307 |
| Noncurrent loans to loans | 0.3113% | 4,483 |
| Net loans and leases to total assets | 65.8635% | 3,038 |
| Net loans and leases to deposits | 77.7813% | 3,117 |
| Net loans and leases to core deposits | 81.7886% | 3,274 |
| Total domestic deposits to total assets | 84.6777% | 3,142 |
| Equity capital to assets | 13.1423% | 1,375 |
| Core capital (leverage) ratio | 8.9740% | 5,021 |
| Tier 1 risk-based capital ratio | 11.1010% | 5,608 |
| Total risk-based capital ratio | 12.3643% | 5,488 |
| Memoranda: | ||
| Average total assets | $2,397,632,000 | 339 |
| Average earning assets | $2,064,437,000 | 349 |
| Average equity | $315,749,750 | 296 |
| Average total loans | $1,586,296,750 | 342 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8521% | 3,858 |
| Cost of funding earning assets | 0.0994% | 6,139 |
| Net interest margin | 3.7526% | 2,509 |
| Noninterest income to average assets | 1.1367% | 931 |
| Noninterest expense to average assets | 3.0746% | 2,322 |
| Loan and lease loss provision to assets | -0.1684% | 6,155 |
| Net operating income to assets | 0.9037% | 2,858 |
| Return on assets (ROA) | 0.9037% | 2,979 |
| Pretax return on assets | 1.4516% | 1,798 |
| Return on Equity (ROE) | 6.8576% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.8576% | 1,767 |
| Net charge-offs to loans | -0.4405% | 6,183 |
| Credit loss provision to net charge-offs | 58.0046% | 2,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7618% | 3,367 |
| Assets per employee ($millions) | 4.5193% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 2,539 |
| Loan loss allowance to noncurrent loans | 395.7063% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 4,253 |
| Noncurrent loans to loans | 0.3651% | 4,401 |
| Net loans and leases to total assets | 66.4333% | 2,884 |
| Net loans and leases to deposits | 78.2485% | 2,998 |
| Net loans and leases to core deposits | 82.1634% | 3,156 |
| Total domestic deposits to total assets | 84.9003% | 3,161 |
| Equity capital to assets | 13.1680% | 1,316 |
| Core capital (leverage) ratio | 8.9266% | 5,054 |
| Tier 1 risk-based capital ratio | 10.8899% | 5,766 |
| Total risk-based capital ratio | 12.1532% | 5,681 |
| Memoranda: | ||
| Average total assets | $2,375,921,000 | 342 |
| Average earning assets | $2,039,362,670 | 353 |
| Average equity | $313,112,000 | 300 |
| Average total loans | $1,565,500,670 | 346 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 3,707 |
| Cost of funding earning assets | 0.1086% | 6,170 |
| Net interest margin | 3.7690% | 2,357 |
| Noninterest income to average assets | 1.0986% | 936 |
| Noninterest expense to average assets | 3.1545% | 2,112 |
| Loan and lease loss provision to assets | -0.3394% | 6,318 |
| Net operating income to assets | 0.9282% | 2,617 |
| Return on assets (ROA) | 0.9282% | 2,738 |
| Pretax return on assets | 1.4992% | 1,570 |
| Return on Equity (ROE) | 7.0404% | 3,487 |
| Retained earnings to average equity (ytd only) | 7.0404% | 1,997 |
| Net charge-offs to loans | -0.8316% | 6,304 |
| Credit loss provision to net charge-offs | 62.6763% | 1,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3107% | 3,119 |
| Assets per employee ($millions) | 4.5645% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 2,543 |
| Loan loss allowance to noncurrent loans | 294.1534% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 3,887 |
| Noncurrent loans to loans | 0.5026% | 4,074 |
| Net loans and leases to total assets | 65.1367% | 2,912 |
| Net loans and leases to deposits | 76.7491% | 2,964 |
| Net loans and leases to core deposits | 80.4448% | 3,112 |
| Total domestic deposits to total assets | 84.8697% | 3,468 |
| Equity capital to assets | 13.2033% | 1,301 |
| Core capital (leverage) ratio | 8.5613% | 5,462 |
| Tier 1 risk-based capital ratio | 10.5534% | 5,999 |
| Total risk-based capital ratio | 11.8206% | 5,921 |
| Memoranda: | ||
| Average total assets | $2,357,240,500 | 343 |
| Average earning assets | $2,011,256,500 | 358 |
| Average equity | $310,777,000 | 302 |
| Average total loans | $1,534,889,500 | 345 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 3,522 |
| Cost of funding earning assets | 0.1376% | 6,167 |
| Net interest margin | 3.9132% | 2,188 |
| Noninterest income to average assets | 0.8622% | 1,635 |
| Noninterest expense to average assets | 3.7723% | 1,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3206% | 5,465 |
| Return on assets (ROA) | 0.3206% | 5,536 |
| Pretax return on assets | 0.4352% | 5,412 |
| Return on Equity (ROE) | 2.4333% | 5,651 |
| Retained earnings to average equity (ytd only) | 2.4333% | 4,497 |
| Net charge-offs to loans | -0.0938% | 6,097 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0291% | 912 |
| Assets per employee ($millions) | 4.5544% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4726% | 2,592 |
| Loan loss allowance to noncurrent loans | 187.8450% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.6441% | 3,638 |
| Noncurrent loans to loans | 0.7840% | 3,343 |
| Net loans and leases to total assets | 63.1518% | 3,339 |
| Net loans and leases to deposits | 74.3389% | 3,392 |
| Net loans and leases to core deposits | 78.5149% | 3,463 |
| Total domestic deposits to total assets | 84.9512% | 3,303 |
| Equity capital to assets | 13.1642% | 1,285 |
| Core capital (leverage) ratio | 7.5127% | 6,199 |
| Tier 1 risk-based capital ratio | 9.7267% | 6,317 |
| Total risk-based capital ratio | 10.9778% | 6,282 |
| Memoranda: | ||
| Average total assets | $1,945,591,400 | 377 |
| Average earning assets | $1,663,309,000 | 390 |
| Average equity | $256,363,400 | 326 |
| Average total loans | $1,275,480,800 | 369 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 3,696 |
| Cost of funding earning assets | 0.1375% | 6,252 |
| Net interest margin | 3.8800% | 2,325 |
| Noninterest income to average assets | 0.7367% | 2,149 |
| Noninterest expense to average assets | 4.0542% | 718 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0684% | 6,063 |
| Return on assets (ROA) | 0.0684% | 6,092 |
| Pretax return on assets | 0.0027% | 6,141 |
| Return on Equity (ROE) | 0.5190% | 6,099 |
| Retained earnings to average equity (ytd only) | 0.5190% | 5,658 |
| Net charge-offs to loans | -0.0540% | 5,938 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3846% | 389 |
| Assets per employee ($millions) | 4.5237% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4558% | 2,919 |
| Loan loss allowance to noncurrent loans | 160.8240% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.7415% | 3,588 |
| Noncurrent loans to loans | 0.9052% | 3,295 |
| Net loans and leases to total assets | 61.9175% | 3,495 |
| Net loans and leases to deposits | 72.7039% | 3,597 |
| Net loans and leases to core deposits | 75.6106% | 3,796 |
| Total domestic deposits to total assets | 85.1638% | 3,273 |
| Equity capital to assets | 12.8760% | 1,488 |
| Core capital (leverage) ratio | 7.2547% | 6,339 |
| Tier 1 risk-based capital ratio | 9.4906% | 6,437 |
| Total risk-based capital ratio | 10.7414% | 6,412 |
| Memoranda: | ||
| Average total assets | $1,847,889,500 | 393 |
| Average earning assets | $1,581,299,500 | 405 |
| Average equity | $243,562,250 | 338 |
| Average total loans | $1,219,968,500 | 381 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9107% | 4,100 |
| Cost of funding earning assets | 0.1258% | 6,379 |
| Net interest margin | 3.7849% | 2,616 |
| Noninterest income to average assets | 0.9106% | 1,463 |
| Noninterest expense to average assets | 4.7398% | 371 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1927% | 6,315 |
| Return on assets (ROA) | -0.1927% | 6,324 |
| Pretax return on assets | -0.5779% | 6,441 |
| Return on Equity (ROE) | -1.4464% | 6,302 |
| Retained earnings to average equity (ytd only) | -1.4464% | 5,919 |
| Net charge-offs to loans | 0.0679% | 3,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -12.6192% | 4,326 |
| Efficiency ratio | 113.5889% | 196 |
| Assets per employee ($millions) | 4.2639% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 3,058 |
| Loan loss allowance to noncurrent loans | 159.7425% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.8127% | 3,531 |
| Noncurrent loans to loans | 0.9164% | 3,431 |
| Net loans and leases to total assets | 60.4020% | 3,653 |
| Net loans and leases to deposits | 70.9253% | 3,709 |
| Net loans and leases to core deposits | 72.5564% | 3,994 |
| Total domestic deposits to total assets | 85.1629% | 3,428 |
| Equity capital to assets | 13.1061% | 1,317 |
| Core capital (leverage) ratio | 9.4952% | 4,337 |
| Tier 1 risk-based capital ratio | 10.2489% | 6,323 |
| Total risk-based capital ratio | 11.5006% | 6,280 |
| Memoranda: | ||
| Average total assets | $1,685,772,670 | 419 |
| Average earning assets | $1,448,117,000 | 431 |
| Average equity | $224,564,000 | 358 |
| Average total loans | $1,137,740,330 | 409 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9918% | 3,723 |
| Cost of funding earning assets | 0.1214% | 6,491 |
| Net interest margin | 3.8705% | 2,192 |
| Noninterest income to average assets | 0.9925% | 1,147 |
| Noninterest expense to average assets | 3.9447% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3176% | 5,434 |
| Return on assets (ROA) | 0.3176% | 5,484 |
| Pretax return on assets | 0.4297% | 5,363 |
| Return on Equity (ROE) | 2.3527% | 5,691 |
| Retained earnings to average equity (ytd only) | 2.3527% | 4,660 |
| Net charge-offs to loans | -0.3434% | 6,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0066% | 1,038 |
| Assets per employee ($millions) | 3.4558% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1506% | 1,235 |
| Loan loss allowance to noncurrent loans | 367.5465% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.6491% | 4,187 |
| Noncurrent loans to loans | 0.5851% | 4,404 |
| Net loans and leases to total assets | 72.0384% | 1,573 |
| Net loans and leases to deposits | 85.0066% | 1,722 |
| Net loans and leases to core deposits | 88.0270% | 2,090 |
| Total domestic deposits to total assets | 84.7445% | 3,975 |
| Equity capital to assets | 13.7134% | 1,033 |
| Core capital (leverage) ratio | 10.8853% | 2,505 |
| Tier 1 risk-based capital ratio | 13.2081% | 4,892 |
| Total risk-based capital ratio | 14.4676% | 4,819 |
| Memoranda: | ||
| Average total assets | $1,388,075,500 | 497 |
| Average earning assets | $1,212,877,500 | 515 |
| Average equity | $187,359,500 | 418 |
| Average total loans | $1,007,439,500 | 449 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 3,174 |
| Cost of funding earning assets | 0.2304% | 6,096 |
| Net interest margin | 4.0141% | 1,909 |
| Noninterest income to average assets | 1.0658% | 1,243 |
| Noninterest expense to average assets | 4.3959% | 575 |
| Loan and lease loss provision to assets | 0.0735% | 3,647 |
| Net operating income to assets | 3.6941% | 70 |
| Return on assets (ROA) | 3.6953% | 69 |
| Pretax return on assets | 0.1416% | 6,026 |
| Return on Equity (ROE) | 29.9402% | 73 |
| Retained earnings to average equity (ytd only) | 29.9402% | 33 |
| Net charge-offs to loans | 0.8015% | 784 |
| Credit loss provision to net charge-offs | 13.5062% | 4,545 |
| Earnings coverage of net charge-offs (x) | 0.3932% | 4,947 |
| Efficiency ratio | 95.3586% | 676 |
| Assets per employee ($millions) | 3.5193% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0757% | 1,381 |
| Loan loss allowance to noncurrent loans | 257.6847% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.8003% | 3,881 |
| Noncurrent loans to loans | 0.8055% | 3,962 |
| Net loans and leases to total assets | 70.0733% | 1,996 |
| Net loans and leases to deposits | 84.2845% | 1,893 |
| Net loans and leases to core deposits | 88.3283% | 2,207 |
| Total domestic deposits to total assets | 83.1389% | 4,496 |
| Equity capital to assets | 13.2872% | 1,148 |
| Core capital (leverage) ratio | 10.4872% | 2,935 |
| Tier 1 risk-based capital ratio | 13.0147% | 4,961 |
| Total risk-based capital ratio | 14.2732% | 4,907 |
| Memoranda: | ||
| Average total assets | $1,360,521,600 | 491 |
| Average earning assets | $1,201,203,200 | 499 |
| Average equity | $167,917,800 | 444 |
| Average total loans | $923,818,600 | 459 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1836% | 3,448 |
| Cost of funding earning assets | 0.2607% | 6,013 |
| Net interest margin | 3.9229% | 2,189 |
| Noninterest income to average assets | 1.0441% | 1,335 |
| Noninterest expense to average assets | 4.4737% | 535 |
| Loan and lease loss provision to assets | 0.0988% | 3,111 |
| Net operating income to assets | 4.8292% | 40 |
| Return on assets (ROA) | 4.8303% | 40 |
| Pretax return on assets | -0.0545% | 6,364 |
| Return on Equity (ROE) | 39.9315% | 32 |
| Retained earnings to average equity (ytd only) | 39.9315% | 16 |
| Net charge-offs to loans | 0.9751% | 592 |
| Credit loss provision to net charge-offs | 15.1332% | 4,149 |
| Earnings coverage of net charge-offs (x) | 0.0654% | 4,837 |
| Efficiency ratio | 99.0550% | 495 |
| Assets per employee ($millions) | 3.5927% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2779% | 1,214 |
| Loan loss allowance to noncurrent loans | 240.2685% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.8797% | 3,916 |
| Noncurrent loans to loans | 0.9481% | 3,921 |
| Net loans and leases to total assets | 66.1271% | 2,618 |
| Net loans and leases to deposits | 77.6802% | 2,716 |
| Net loans and leases to core deposits | 82.6866% | 2,810 |
| Total domestic deposits to total assets | 85.1274% | 3,672 |
| Equity capital to assets | 13.1515% | 1,265 |
| Core capital (leverage) ratio | 10.4398% | 3,073 |
| Tier 1 risk-based capital ratio | 13.4421% | 4,802 |
| Total risk-based capital ratio | 14.7030% | 4,736 |
| Memoranda: | ||
| Average total assets | $1,349,599,000 | 496 |
| Average earning assets | $1,194,575,750 | 500 |
| Average equity | $163,252,250 | 461 |
| Average total loans | $903,564,750 | 466 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2059% | 3,347 |
| Cost of funding earning assets | 0.3178% | 5,689 |
| Net interest margin | 3.8881% | 2,251 |
| Noninterest income to average assets | 1.0317% | 1,432 |
| Noninterest expense to average assets | 4.8067% | 415 |
| Loan and lease loss provision to assets | 0.1502% | 2,447 |
| Net operating income to assets | 7.0864% | 26 |
| Return on assets (ROA) | 7.0880% | 27 |
| Pretax return on assets | -0.4539% | 6,612 |
| Return on Equity (ROE) | 60.4505% | 11 |
| Retained earnings to average equity (ytd only) | 60.4505% | 5 |
| Net charge-offs to loans | 1.2540% | 455 |
| Credit loss provision to net charge-offs | 17.9630% | 3,766 |
| Earnings coverage of net charge-offs (x) | -0.3659% | 4,646 |
| Efficiency ratio | 106.7997% | 331 |
| Assets per employee ($millions) | 3.4798% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4447% | 1,045 |
| Loan loss allowance to noncurrent loans | 203.3330% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 3,736 |
| Noncurrent loans to loans | 1.2023% | 3,554 |
| Net loans and leases to total assets | 66.3877% | 2,524 |
| Net loans and leases to deposits | 82.0077% | 2,061 |
| Net loans and leases to core deposits | 86.6390% | 2,267 |
| Total domestic deposits to total assets | 80.9530% | 5,350 |
| Equity capital to assets | 13.6432% | 1,073 |
| Core capital (leverage) ratio | 10.9037% | 2,451 |
| Tier 1 risk-based capital ratio | 13.3493% | 4,876 |
| Total risk-based capital ratio | 14.6117% | 4,819 |
| Memoranda: | ||
| Average total assets | $1,331,216,330 | 499 |
| Average earning assets | $1,187,718,000 | 502 |
| Average equity | $156,088,000 | 480 |
| Average total loans | $887,895,670 | 471 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2504% | 3,104 |
| Cost of funding earning assets | 0.3307% | 5,716 |
| Net interest margin | 3.9197% | 2,053 |
| Noninterest income to average assets | 1.0009% | 1,455 |
| Noninterest expense to average assets | 3.9639% | 924 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5808% | 4,308 |
| Return on assets (ROA) | 0.5808% | 4,459 |
| Pretax return on assets | 0.5710% | 5,047 |
| Return on Equity (ROE) | 5.4126% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.4126% | 2,997 |
| Net charge-offs to loans | 1.2507% | 458 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.6919% | 3,597 |
| Efficiency ratio | 87.4078% | 1,383 |
| Assets per employee ($millions) | 3.4060% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7999% | 819 |
| Loan loss allowance to noncurrent loans | 151.3627% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 1.6488% | 2,799 |
| Noncurrent loans to loans | 1.8498% | 2,800 |
| Net loans and leases to total assets | 64.1568% | 2,675 |
| Net loans and leases to deposits | 77.1671% | 2,468 |
| Net loans and leases to core deposits | 80.7645% | 2,718 |
| Total domestic deposits to total assets | 83.1400% | 4,811 |
| Equity capital to assets | 10.6665% | 3,356 |
| Core capital (leverage) ratio | 10.6925% | 2,555 |
| Tier 1 risk-based capital ratio | 14.2730% | 4,309 |
| Total risk-based capital ratio | 15.5408% | 4,264 |
| Memoranda: | ||
| Average total assets | $1,314,778,500 | 506 |
| Average earning assets | $1,185,397,500 | 505 |
| Average equity | $141,079,000 | 527 |
| Average total loans | $867,702,000 | 474 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7154% | 2,535 |
| Cost of funding earning assets | 0.4297% | 5,725 |
| Net interest margin | 4.2857% | 1,429 |
| Noninterest income to average assets | 0.9603% | 1,665 |
| Noninterest expense to average assets | 4.1463% | 822 |
| Loan and lease loss provision to assets | 0.0847% | 4,641 |
| Net operating income to assets | 0.5620% | 4,420 |
| Return on assets (ROA) | 0.5620% | 4,676 |
| Pretax return on assets | 0.5708% | 5,078 |
| Return on Equity (ROE) | 5.3355% | 4,512 |
| Retained earnings to average equity (ytd only) | 5.3355% | 2,479 |
| Net charge-offs to loans | 2.0470% | 355 |
| Credit loss provision to net charge-offs | 6.1993% | 5,430 |
| Earnings coverage of net charge-offs (x) | 0.4797% | 5,250 |
| Efficiency ratio | 86.3492% | 1,397 |
| Assets per employee ($millions) | 2.9641% | 6,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1749% | 570 |
| Loan loss allowance to noncurrent loans | 144.0019% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 1.9584% | 2,500 |
| Noncurrent loans to loans | 2.2047% | 2,458 |
| Net loans and leases to total assets | 63.8921% | 2,911 |
| Net loans and leases to deposits | 77.2409% | 2,625 |
| Net loans and leases to core deposits | 79.6315% | 3,058 |
| Total domestic deposits to total assets | 82.7179% | 4,841 |
| Equity capital to assets | 10.7954% | 3,180 |
| Core capital (leverage) ratio | 10.4206% | 2,856 |
| Tier 1 risk-based capital ratio | 14.0873% | 4,316 |
| Total risk-based capital ratio | 15.3586% | 4,258 |
| Memoranda: | ||
| Average total assets | $1,298,450,200 | 515 |
| Average earning assets | $1,163,836,200 | 512 |
| Average equity | $136,762,200 | 530 |
| Average total loans | $866,847,800 | 472 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8032% | 2,383 |
| Cost of funding earning assets | 0.4513% | 5,788 |
| Net interest margin | 4.3519% | 1,344 |
| Noninterest income to average assets | 1.0907% | 1,265 |
| Noninterest expense to average assets | 4.2001% | 721 |
| Loan and lease loss provision to assets | 0.1130% | 4,152 |
| Net operating income to assets | 0.6687% | 4,047 |
| Return on assets (ROA) | 0.6687% | 4,317 |
| Pretax return on assets | 0.6739% | 4,943 |
| Return on Equity (ROE) | 6.3890% | 4,122 |
| Retained earnings to average equity (ytd only) | 6.3890% | 2,439 |
| Net charge-offs to loans | 1.4366% | 619 |
| Credit loss provision to net charge-offs | 11.7496% | 5,059 |
| Earnings coverage of net charge-offs (x) | 0.8181% | 4,921 |
| Efficiency ratio | 84.2213% | 1,568 |
| Assets per employee ($millions) | 2.8761% | 6,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1317% | 277 |
| Loan loss allowance to noncurrent loans | 325.2395% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 1.5700% | 3,241 |
| Noncurrent loans to loans | 1.2704% | 3,929 |
| Net loans and leases to total assets | 63.7596% | 3,064 |
| Net loans and leases to deposits | 77.2436% | 2,763 |
| Net loans and leases to core deposits | 79.9231% | 3,214 |
| Total domestic deposits to total assets | 82.5435% | 4,814 |
| Equity capital to assets | 10.7751% | 3,530 |
| Core capital (leverage) ratio | 10.5786% | 2,821 |
| Tier 1 risk-based capital ratio | 13.6011% | 4,817 |
| Total risk-based capital ratio | 14.8834% | 4,752 |
| Memoranda: | ||
| Average total assets | $1,297,754,250 | 516 |
| Average earning assets | $1,161,888,500 | 517 |
| Average equity | $135,834,500 | 537 |
| Average total loans | $868,898,000 | 473 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8880% | 2,159 |
| Cost of funding earning assets | 0.4755% | 5,793 |
| Net interest margin | 4.4125% | 1,170 |
| Noninterest income to average assets | 1.0048% | 1,452 |
| Noninterest expense to average assets | 4.0970% | 838 |
| Loan and lease loss provision to assets | 0.1695% | 3,409 |
| Net operating income to assets | 0.6803% | 3,981 |
| Return on assets (ROA) | 0.6803% | 4,241 |
| Pretax return on assets | 0.6880% | 4,862 |
| Return on Equity (ROE) | 6.5639% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.5639% | 2,349 |
| Net charge-offs to loans | 1.5583% | 619 |
| Credit loss provision to net charge-offs | 16.2098% | 4,665 |
| Earnings coverage of net charge-offs (x) | 0.8201% | 4,648 |
| Efficiency ratio | 82.6927% | 1,790 |
| Assets per employee ($millions) | 2.8202% | 6,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5202% | 226 |
| Loan loss allowance to noncurrent loans | 405.2486% | 901 |
| Noncurrent assets plus other real estate owned to assets | 1.7643% | 3,085 |
| Noncurrent loans to loans | 1.1154% | 4,287 |
| Net loans and leases to total assets | 63.1911% | 3,201 |
| Net loans and leases to deposits | 76.5852% | 2,902 |
| Net loans and leases to core deposits | 79.4679% | 3,295 |
| Total domestic deposits to total assets | 82.5109% | 4,949 |
| Equity capital to assets | 10.7283% | 3,423 |
| Core capital (leverage) ratio | 10.4380% | 2,872 |
| Tier 1 risk-based capital ratio | 13.4840% | 4,837 |
| Total risk-based capital ratio | 14.7589% | 4,773 |
| Memoranda: | ||
| Average total assets | $1,297,970,000 | 520 |
| Average earning assets | $1,161,823,670 | 514 |
| Average equity | $134,524,330 | 537 |
| Average total loans | $870,973,000 | 471 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9899% | 1,927 |
| Cost of funding earning assets | 0.5029% | 5,796 |
| Net interest margin | 4.4870% | 1,036 |
| Noninterest income to average assets | 0.9173% | 1,677 |
| Noninterest expense to average assets | 3.9303% | 1,020 |
| Loan and lease loss provision to assets | 0.3363% | 1,864 |
| Net operating income to assets | 0.6562% | 4,100 |
| Return on assets (ROA) | 0.6562% | 4,315 |
| Pretax return on assets | 0.6638% | 4,899 |
| Return on Equity (ROE) | 6.4417% | 4,071 |
| Retained earnings to average equity (ytd only) | 6.4417% | 2,720 |
| Net charge-offs to loans | 0.4775% | 1,895 |
| Credit loss provision to net charge-offs | 104.2654% | 2,216 |
| Earnings coverage of net charge-offs (x) | 3.1005% | 2,964 |
| Efficiency ratio | 79.7147% | 2,233 |
| Assets per employee ($millions) | 2.8796% | 6,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0527% | 172 |
| Loan loss allowance to noncurrent loans | 511.7010% | 672 |
| Noncurrent assets plus other real estate owned to assets | 2.0968% | 2,780 |
| Noncurrent loans to loans | 0.9874% | 4,698 |
| Net loans and leases to total assets | 62.8966% | 3,073 |
| Net loans and leases to deposits | 75.4877% | 2,893 |
| Net loans and leases to core deposits | 78.1349% | 3,305 |
| Total domestic deposits to total assets | 83.3203% | 4,808 |
| Equity capital to assets | 10.2302% | 3,814 |
| Core capital (leverage) ratio | 10.0257% | 3,337 |
| Tier 1 risk-based capital ratio | 13.3905% | 4,903 |
| Total risk-based capital ratio | 14.6825% | 4,867 |
| Memoranda: | ||
| Average total assets | $1,308,180,000 | 513 |
| Average earning assets | $1,170,050,000 | 514 |
| Average equity | $133,256,500 | 537 |
| Average total loans | $883,701,000 | 463 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9547% | 3,091 |
| Cost of funding earning assets | 0.8526% | 4,454 |
| Net interest margin | 4.1021% | 2,420 |
| Noninterest income to average assets | -0.3525% | 7,226 |
| Noninterest expense to average assets | 4.3487% | 686 |
| Loan and lease loss provision to assets | 4.9506% | 21 |
| Net operating income to assets | -6.6696% | 7,329 |
| Return on assets (ROA) | -6.6696% | 7,330 |
| Pretax return on assets | -5.9849% | 7,326 |
| Return on Equity (ROE) | -62.3954% | 7,254 |
| Retained earnings to average equity (ytd only) | -62.3954% | 7,254 |
| Net charge-offs to loans | 7.2668% | 22 |
| Credit loss provision to net charge-offs | 96.4481% | 3,736 |
| Earnings coverage of net charge-offs (x) | -0.2015% | 5,957 |
| Efficiency ratio | 128.2687% | 243 |
| Assets per employee ($millions) | 2.9892% | 6,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8916% | 194 |
| Loan loss allowance to noncurrent loans | 480.6240% | 710 |
| Noncurrent assets plus other real estate owned to assets | 2.3330% | 2,594 |
| Noncurrent loans to loans | 1.0178% | 4,672 |
| Net loans and leases to total assets | 65.5012% | 2,880 |
| Net loans and leases to deposits | 78.5091% | 2,756 |
| Net loans and leases to core deposits | 81.3007% | 3,284 |
| Total domestic deposits to total assets | 83.4314% | 4,576 |
| Equity capital to assets | 10.1423% | 3,978 |
| Core capital (leverage) ratio | 9.3781% | 4,213 |
| Tier 1 risk-based capital ratio | 12.9766% | 5,088 |
| Total risk-based capital ratio | 14.2688% | 5,029 |
| Memoranda: | ||
| Average total assets | $1,514,974,400 | 439 |
| Average earning assets | $1,354,224,600 | 439 |
| Average equity | $161,938,200 | 439 |
| Average total loans | $1,070,093,200 | 395 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9594% | 3,292 |
| Cost of funding earning assets | 0.9036% | 4,372 |
| Net interest margin | 4.0558% | 2,666 |
| Noninterest income to average assets | 0.0204% | 7,045 |
| Noninterest expense to average assets | 4.0519% | 945 |
| Loan and lease loss provision to assets | 5.1278% | 27 |
| Net operating income to assets | -6.4017% | 7,403 |
| Return on assets (ROA) | -6.4017% | 7,405 |
| Pretax return on assets | -5.5301% | 7,389 |
| Return on Equity (ROE) | -59.2595% | 7,321 |
| Retained earnings to average equity (ytd only) | -59.2595% | 7,318 |
| Net charge-offs to loans | 9.1332% | 17 |
| Credit loss provision to net charge-offs | 79.0747% | 4,165 |
| Earnings coverage of net charge-offs (x) | -0.0621% | 5,639 |
| Efficiency ratio | 108.4465% | 456 |
| Assets per employee ($millions) | 3.0607% | 5,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3046% | 658 |
| Loan loss allowance to noncurrent loans | 246.3303% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 3.0720% | 2,085 |
| Noncurrent loans to loans | 1.3415% | 4,286 |
| Net loans and leases to total assets | 64.5264% | 3,197 |
| Net loans and leases to deposits | 78.2281% | 2,937 |
| Net loans and leases to core deposits | 80.9630% | 3,492 |
| Total domestic deposits to total assets | 82.4849% | 4,887 |
| Equity capital to assets | 11.3277% | 2,832 |
| Core capital (leverage) ratio | 9.8341% | 3,665 |
| Tier 1 risk-based capital ratio | 14.6786% | 3,848 |
| Total risk-based capital ratio | 15.9532% | 3,814 |
| Memoranda: | ||
| Average total assets | $1,567,899,750 | 424 |
| Average earning assets | $1,402,960,500 | 427 |
| Average equity | $169,377,250 | 425 |
| Average total loans | $1,113,225,250 | 386 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9399% | 3,442 |
| Cost of funding earning assets | 0.9403% | 4,393 |
| Net interest margin | 3.9996% | 2,837 |
| Noninterest income to average assets | 0.4115% | 4,580 |
| Noninterest expense to average assets | 3.4356% | 2,168 |
| Loan and lease loss provision to assets | 0.9223% | 969 |
| Net operating income to assets | -1.6107% | 7,130 |
| Return on assets (ROA) | -1.6107% | 7,140 |
| Pretax return on assets | -0.3608% | 6,571 |
| Return on Equity (ROE) | -15.1201% | 7,069 |
| Retained earnings to average equity (ytd only) | -15.1201% | 7,042 |
| Net charge-offs to loans | 2.2779% | 556 |
| Credit loss provision to net charge-offs | 56.0664% | 4,440 |
| Earnings coverage of net charge-offs (x) | 0.3413% | 5,058 |
| Efficiency ratio | 83.6815% | 1,859 |
| Assets per employee ($millions) | 3.4875% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6216% | 549 |
| Loan loss allowance to noncurrent loans | 66.7594% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 6.2860% | 869 |
| Noncurrent loans to loans | 5.4249% | 1,169 |
| Net loans and leases to total assets | 69.4769% | 2,327 |
| Net loans and leases to deposits | 93.9444% | 875 |
| Net loans and leases to core deposits | 98.3633% | 1,480 |
| Total domestic deposits to total assets | 73.9554% | 6,846 |
| Equity capital to assets | 14.0606% | 1,079 |
| Core capital (leverage) ratio | 13.6394% | 957 |
| Tier 1 risk-based capital ratio | 17.6578% | 2,283 |
| Total risk-based capital ratio | 18.9354% | 2,238 |
| Memoranda: | ||
| Average total assets | $1,626,324,670 | 414 |
| Average earning assets | $1,458,011,000 | 414 |
| Average equity | $173,252,330 | 419 |
| Average total loans | $1,174,526,670 | 371 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9262% | 3,442 |
| Cost of funding earning assets | 1.0257% | 4,022 |
| Net interest margin | 3.9005% | 3,138 |
| Noninterest income to average assets | 0.3464% | 5,139 |
| Noninterest expense to average assets | 3.3635% | 2,373 |
| Loan and lease loss provision to assets | 1.3267% | 509 |
| Net operating income to assets | -3.2829% | 7,414 |
| Return on assets (ROA) | -3.2829% | 7,418 |
| Pretax return on assets | -0.8479% | 6,942 |
| Return on Equity (ROE) | -36.2841% | 7,364 |
| Retained earnings to average equity (ytd only) | -36.2841% | 7,341 |
| Net charge-offs to loans | 3.2413% | 323 |
| Credit loss provision to net charge-offs | 56.6251% | 3,608 |
| Earnings coverage of net charge-offs (x) | 0.2044% | 4,459 |
| Efficiency ratio | 85.2219% | 1,807 |
| Assets per employee ($millions) | 3.6714% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6175% | 554 |
| Loan loss allowance to noncurrent loans | 60.6754% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 6.5861% | 835 |
| Noncurrent loans to loans | 5.9620% | 1,062 |
| Net loans and leases to total assets | 70.6639% | 1,985 |
| Net loans and leases to deposits | 96.2166% | 675 |
| Net loans and leases to core deposits | 100.8536% | 1,271 |
| Total domestic deposits to total assets | 73.4426% | 6,960 |
| Equity capital to assets | 13.6572% | 1,124 |
| Core capital (leverage) ratio | 12.8917% | 1,162 |
| Tier 1 risk-based capital ratio | 16.8382% | 2,535 |
| Total risk-based capital ratio | 18.1154% | 2,494 |
| Memoranda: | ||
| Average total assets | $1,658,294,000 | 410 |
| Average earning assets | $1,486,267,500 | 407 |
| Average equity | $150,038,000 | 470 |
| Average total loans | $1,198,646,000 | 365 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8764% | 5,134 |
| Cost of funding earning assets | 1.2457% | 4,241 |
| Net interest margin | 3.6307% | 4,667 |
| Noninterest income to average assets | 0.0322% | 7,189 |
| Noninterest expense to average assets | 3.0909% | 3,498 |
| Loan and lease loss provision to assets | 1.2365% | 1,253 |
| Net operating income to assets | -0.5350% | 6,409 |
| Return on assets (ROA) | -0.5138% | 6,428 |
| Pretax return on assets | -1.0022% | 6,642 |
| Return on Equity (ROE) | -12.2175% | 6,818 |
| Retained earnings to average equity (ytd only) | -12.2175% | 6,769 |
| Net charge-offs to loans | 2.6170% | 701 |
| Credit loss provision to net charge-offs | 66.8170% | 5,938 |
| Earnings coverage of net charge-offs (x) | 0.1087% | 6,012 |
| Efficiency ratio | 91.5816% | 1,211 |
| Assets per employee ($millions) | 3.9719% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8136% | 466 |
| Loan loss allowance to noncurrent loans | 57.6107% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 7.0250% | 775 |
| Noncurrent loans to loans | 6.6195% | 887 |
| Net loans and leases to total assets | 68.5973% | 2,839 |
| Net loans and leases to deposits | 85.4640% | 2,194 |
| Net loans and leases to core deposits | 89.2545% | 2,867 |
| Total domestic deposits to total assets | 80.2646% | 5,765 |
| Equity capital to assets | 4.7476% | 7,453 |
| Core capital (leverage) ratio | 4.3146% | 7,473 |
| Tier 1 risk-based capital ratio | 5.6573% | 7,498 |
| Total risk-based capital ratio | 6.9364% | 7,501 |
| Memoranda: | ||
| Average total assets | $1,940,959,800 | 359 |
| Average earning assets | $1,742,659,000 | 355 |
| Average equity | $81,620,600 | 806 |
| Average total loans | $1,372,527,400 | 342 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8714% | 5,390 |
| Cost of funding earning assets | 1.2676% | 4,452 |
| Net interest margin | 3.6038% | 4,855 |
| Noninterest income to average assets | 0.2381% | 6,186 |
| Noninterest expense to average assets | 2.9586% | 3,894 |
| Loan and lease loss provision to assets | 1.2684% | 1,113 |
| Net operating income to assets | -0.7812% | 6,784 |
| Return on assets (ROA) | -0.7382% | 6,794 |
| Pretax return on assets | -0.7060% | 6,683 |
| Return on Equity (ROE) | -18.0549% | 7,183 |
| Retained earnings to average equity (ytd only) | -18.0549% | 7,164 |
| Net charge-offs to loans | 2.4640% | 689 |
| Credit loss provision to net charge-offs | 72.9283% | 5,343 |
| Earnings coverage of net charge-offs (x) | 0.2986% | 5,731 |
| Efficiency ratio | 82.9418% | 1,955 |
| Assets per employee ($millions) | 4.2101% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0365% | 361 |
| Loan loss allowance to noncurrent loans | 63.2229% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 7.0862% | 761 |
| Noncurrent loans to loans | 6.3845% | 941 |
| Net loans and leases to total assets | 67.0507% | 3,448 |
| Net loans and leases to deposits | 82.2522% | 3,056 |
| Net loans and leases to core deposits | 86.5728% | 3,575 |
| Total domestic deposits to total assets | 81.5185% | 5,192 |
| Equity capital to assets | 4.2570% | 7,624 |
| Core capital (leverage) ratio | 3.9106% | 7,627 |
| Tier 1 risk-based capital ratio | 5.2450% | 7,628 |
| Total risk-based capital ratio | 6.5271% | 7,630 |
| Memoranda: | ||
| Average total assets | $1,997,230,750 | 347 |
| Average earning assets | $1,795,498,750 | 343 |
| Average equity | $81,660,000 | 807 |
| Average total loans | $1,409,731,250 | 334 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8787% | 5,489 |
| Cost of funding earning assets | 1.2908% | 4,589 |
| Net interest margin | 3.5880% | 4,871 |
| Noninterest income to average assets | 0.2738% | 5,963 |
| Noninterest expense to average assets | 2.9043% | 4,053 |
| Loan and lease loss provision to assets | 1.5580% | 843 |
| Net operating income to assets | -0.9040% | 6,905 |
| Return on assets (ROA) | -0.8457% | 6,893 |
| Pretax return on assets | -0.9050% | 6,847 |
| Return on Equity (ROE) | -20.9399% | 7,290 |
| Retained earnings to average equity (ytd only) | -20.9399% | 7,275 |
| Net charge-offs to loans | 2.3184% | 765 |
| Credit loss provision to net charge-offs | 94.9217% | 4,261 |
| Earnings coverage of net charge-offs (x) | 0.3596% | 5,373 |
| Efficiency ratio | 81.0522% | 2,292 |
| Assets per employee ($millions) | 4.3069% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2797% | 298 |
| Loan loss allowance to noncurrent loans | 68.2791% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 7.3114% | 706 |
| Noncurrent loans to loans | 6.2679% | 982 |
| Net loans and leases to total assets | 67.3712% | 3,528 |
| Net loans and leases to deposits | 81.8776% | 3,291 |
| Net loans and leases to core deposits | 90.0684% | 3,245 |
| Total domestic deposits to total assets | 82.2828% | 4,873 |
| Equity capital to assets | 4.1837% | 7,682 |
| Core capital (leverage) ratio | 3.8246% | 7,692 |
| Tier 1 risk-based capital ratio | 5.0823% | 7,696 |
| Total risk-based capital ratio | 6.3666% | 7,694 |
| Memoranda: | ||
| Average total assets | $2,053,906,000 | 336 |
| Average earning assets | $1,843,711,670 | 334 |
| Average equity | $82,951,670 | 789 |
| Average total loans | $1,454,079,330 | 322 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7991% | 5,892 |
| Cost of funding earning assets | 1.3174% | 4,711 |
| Net interest margin | 3.4818% | 5,232 |
| Noninterest income to average assets | 0.3778% | 5,115 |
| Noninterest expense to average assets | 2.6937% | 4,932 |
| Loan and lease loss provision to assets | 2.5441% | 414 |
| Net operating income to assets | -1.7464% | 7,399 |
| Return on assets (ROA) | -1.7330% | 7,400 |
| Pretax return on assets | -1.7207% | 7,326 |
| Return on Equity (ROE) | -43.6158% | 7,675 |
| Retained earnings to average equity (ytd only) | -43.6158% | 7,662 |
| Net charge-offs to loans | 3.1824% | 468 |
| Credit loss provision to net charge-offs | 112.6220% | 3,076 |
| Earnings coverage of net charge-offs (x) | 0.3586% | 4,720 |
| Efficiency ratio | 74.8978% | 3,424 |
| Assets per employee ($millions) | 4.5312% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1005% | 345 |
| Loan loss allowance to noncurrent loans | 45.9349% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 7.7440% | 643 |
| Noncurrent loans to loans | 8.9267% | 546 |
| Net loans and leases to total assets | 67.7272% | 3,458 |
| Net loans and leases to deposits | 81.0626% | 3,448 |
| Net loans and leases to core deposits | 89.4738% | 3,436 |
| Total domestic deposits to total assets | 83.5493% | 4,364 |
| Equity capital to assets | 3.8512% | 7,805 |
| Core capital (leverage) ratio | 3.5475% | 7,810 |
| Tier 1 risk-based capital ratio | 4.5682% | 7,826 |
| Total risk-based capital ratio | 5.8497% | 7,828 |
| Memoranda: | ||
| Average total assets | $2,122,584,000 | 336 |
| Average earning assets | $1,905,591,500 | 335 |
| Average equity | $84,336,500 | 784 |
| Average total loans | $1,506,652,500 | 326 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2272% | 5,522 |
| Cost of funding earning assets | 1.5587% | 5,234 |
| Net interest margin | 3.6685% | 4,261 |
| Noninterest income to average assets | 0.0397% | 7,551 |
| Noninterest expense to average assets | 3.1817% | 3,436 |
| Loan and lease loss provision to assets | 5.8775% | 119 |
| Net operating income to assets | -4.9419% | 7,742 |
| Return on assets (ROA) | -4.9174% | 7,731 |
| Pretax return on assets | -5.7032% | 7,779 |
| Return on Equity (ROE) | -68.8253% | 7,803 |
| Retained earnings to average equity (ytd only) | -68.8253% | 7,799 |
| Net charge-offs to loans | 6.8730% | 128 |
| Credit loss provision to net charge-offs | 109.3173% | 5,046 |
| Earnings coverage of net charge-offs (x) | 0.0271% | 6,164 |
| Efficiency ratio | 93.5941% | 1,438 |
| Assets per employee ($millions) | 4.5018% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7854% | 414 |
| Loan loss allowance to noncurrent loans | 44.3464% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 7.4184% | 657 |
| Noncurrent loans to loans | 8.5360% | 562 |
| Net loans and leases to total assets | 68.6253% | 3,564 |
| Net loans and leases to deposits | 81.9085% | 3,632 |
| Net loans and leases to core deposits | 96.8309% | 4,370 |
| Total domestic deposits to total assets | 83.7829% | 4,134 |
| Equity capital to assets | 4.0900% | 7,854 |
| Core capital (leverage) ratio | 3.7462% | 7,861 |
| Tier 1 risk-based capital ratio | 4.9710% | 7,868 |
| Total risk-based capital ratio | 6.2498% | 7,872 |
| Memoranda: | ||
| Average total assets | $2,279,878,800 | 320 |
| Average earning assets | $2,043,366,800 | 320 |
| Average equity | $162,892,200 | 427 |
| Average total loans | $1,783,496,000 | 290 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2930% | 5,462 |
| Cost of funding earning assets | 1.5735% | 5,521 |
| Net interest margin | 3.7196% | 3,992 |
| Noninterest income to average assets | 0.1990% | 6,794 |
| Noninterest expense to average assets | 2.8523% | 4,656 |
| Loan and lease loss provision to assets | 4.9117% | 178 |
| Net operating income to assets | -2.4058% | 7,446 |
| Return on assets (ROA) | -2.3818% | 7,431 |
| Pretax return on assets | -4.1943% | 7,717 |
| Return on Equity (ROE) | -30.2915% | 7,616 |
| Retained earnings to average equity (ytd only) | -30.2915% | 7,601 |
| Net charge-offs to loans | 5.7200% | 164 |
| Credit loss provision to net charge-offs | 107.5364% | 4,724 |
| Earnings coverage of net charge-offs (x) | 0.1489% | 5,884 |
| Efficiency ratio | 78.8477% | 3,020 |
| Assets per employee ($millions) | 4.6512% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1701% | 579 |
| Loan loss allowance to noncurrent loans | 33.2788% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 8.6915% | 458 |
| Noncurrent loans to loans | 9.5258% | 433 |
| Net loans and leases to total assets | 71.4870% | 3,158 |
| Net loans and leases to deposits | 87.9866% | 2,962 |
| Net loans and leases to core deposits | 105.6629% | 3,741 |
| Total domestic deposits to total assets | 81.2477% | 4,978 |
| Equity capital to assets | 7.0277% | 7,583 |
| Core capital (leverage) ratio | 5.7609% | 7,840 |
| Tier 1 risk-based capital ratio | 7.3409% | 7,864 |
| Total risk-based capital ratio | 8.6121% | 7,864 |
| Memoranda: | ||
| Average total assets | $2,307,377,250 | 324 |
| Average earning assets | $2,067,719,500 | 332 |
| Average equity | $181,428,000 | 384 |
| Average total loans | $1,842,451,000 | 297 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3848% | 5,228 |
| Cost of funding earning assets | 1.5512% | 5,923 |
| Net interest margin | 3.8336% | 3,397 |
| Noninterest income to average assets | 0.3822% | 5,443 |
| Noninterest expense to average assets | 2.8330% | 4,815 |
| Loan and lease loss provision to assets | 5.4313% | 166 |
| Net operating income to assets | -2.5693% | 7,579 |
| Return on assets (ROA) | -2.5488% | 7,562 |
| Pretax return on assets | -4.4131% | 7,797 |
| Return on Equity (ROE) | -31.3301% | 7,731 |
| Retained earnings to average equity (ytd only) | -31.3301% | 7,707 |
| Net charge-offs to loans | 5.0344% | 246 |
| Credit loss provision to net charge-offs | 131.8626% | 3,541 |
| Earnings coverage of net charge-offs (x) | 0.2394% | 5,433 |
| Efficiency ratio | 72.3967% | 4,328 |
| Assets per employee ($millions) | 4.8195% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4608% | 391 |
| Loan loss allowance to noncurrent loans | 37.8371% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 9.0387% | 375 |
| Noncurrent loans to loans | 9.1465% | 425 |
| Net loans and leases to total assets | 72.5107% | 3,084 |
| Net loans and leases to deposits | 88.9278% | 3,004 |
| Net loans and leases to core deposits | 105.7028% | 3,869 |
| Total domestic deposits to total assets | 81.5389% | 4,885 |
| Equity capital to assets | 7.1036% | 7,551 |
| Core capital (leverage) ratio | 6.5033% | 7,794 |
| Tier 1 risk-based capital ratio | 7.5841% | 7,950 |
| Total risk-based capital ratio | 8.8583% | 7,960 |
| Memoranda: | ||
| Average total assets | $2,319,900,670 | 330 |
| Average earning assets | $2,079,799,670 | 334 |
| Average equity | $188,732,330 | 382 |
| Average total loans | $1,898,021,330 | 295 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5439% | 4,674 |
| Cost of funding earning assets | 1.5510% | 6,229 |
| Net interest margin | 3.9929% | 2,674 |
| Noninterest income to average assets | 0.6874% | 2,963 |
| Noninterest expense to average assets | 2.6723% | 5,137 |
| Loan and lease loss provision to assets | 2.6318% | 427 |
| Net operating income to assets | -0.5087% | 6,887 |
| Return on assets (ROA) | -0.4669% | 6,905 |
| Pretax return on assets | -0.9710% | 7,144 |
| Return on Equity (ROE) | -5.3798% | 7,007 |
| Retained earnings to average equity (ytd only) | -5.3798% | 6,607 |
| Net charge-offs to loans | 2.5583% | 538 |
| Credit loss provision to net charge-offs | 120.5400% | 3,266 |
| Earnings coverage of net charge-offs (x) | 0.7308% | 4,435 |
| Efficiency ratio | 60.9908% | 6,254 |
| Assets per employee ($millions) | 4.5295% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5693% | 712 |
| Loan loss allowance to noncurrent loans | 28.0322% | 6,687 |
| Noncurrent assets plus other real estate owned to assets | 10.0634% | 224 |
| Noncurrent loans to loans | 9.1657% | 346 |
| Net loans and leases to total assets | 82.1024% | 1,000 |
| Net loans and leases to deposits | 102.3821% | 1,138 |
| Net loans and leases to core deposits | 119.2676% | 2,481 |
| Total domestic deposits to total assets | 80.1922% | 5,289 |
| Equity capital to assets | 8.5620% | 5,969 |
| Core capital (leverage) ratio | 8.4640% | 5,609 |
| Tier 1 risk-based capital ratio | 8.9429% | 7,823 |
| Total risk-based capital ratio | 10.2068% | 7,852 |
| Memoranda: | ||
| Average total assets | $2,279,804,000 | 335 |
| Average earning assets | $2,044,351,500 | 340 |
| Average equity | $197,852,000 | 371 |
| Average total loans | $1,945,675,500 | 293 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6158% | 2,409 |
| Cost of funding earning assets | 1.8684% | 6,829 |
| Net interest margin | 4.7474% | 870 |
| Noninterest income to average assets | 0.6140% | 3,749 |
| Noninterest expense to average assets | 6.9836% | 284 |
| Loan and lease loss provision to assets | 4.1857% | 153 |
| Net operating income to assets | -5.5152% | 8,122 |
| Return on assets (ROA) | -5.5036% | 8,113 |
| Pretax return on assets | -6.3872% | 8,129 |
| Return on Equity (ROE) | -42.0303% | 8,095 |
| Retained earnings to average equity (ytd only) | -44.2449% | 8,082 |
| Net charge-offs to loans | 4.2507% | 146 |
| Credit loss provision to net charge-offs | 115.3992% | 4,675 |
| Earnings coverage of net charge-offs (x) | -0.6107% | 6,517 |
| Efficiency ratio | 52.4713% | 7,433 |
| Assets per employee ($millions) | 4.1526% | 3,207 |
| Cash dividends to net income (ytd only)* | -5.2692% | 7,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4111% | 757 |
| Loan loss allowance to noncurrent loans | 39.1510% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 7.6530% | 315 |
| Noncurrent loans to loans | 6.1585% | 564 |
| Net loans and leases to total assets | 84.3522% | 831 |
| Net loans and leases to deposits | 106.2167% | 1,102 |
| Net loans and leases to core deposits | 124.9259% | 2,257 |
| Total domestic deposits to total assets | 79.4152% | 5,234 |
| Equity capital to assets | 8.7966% | 5,658 |
| Core capital (leverage) ratio | 8.0857% | 6,347 |
| Tier 1 risk-based capital ratio | 8.8328% | 7,884 |
| Total risk-based capital ratio | 10.0946% | 7,919 |
| Memoranda: | ||
| Average total assets | $2,379,334,800 | 312 |
| Average earning assets | $2,082,265,200 | 319 |
| Average equity | $311,561,200 | 261 |
| Average total loans | $2,030,318,600 | 270 |