Home > Baylake Bank > Performance and Condition Ratios
Baylake Bank, Performance and Condition Ratios
| 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 | 3.8370% | 3,820 |
| Cost of funding earning assets | 0.2409% | 4,793 |
| Net interest margin | 3.5961% | 3,096 |
| Noninterest income to average assets | 0.7409% | 1,855 |
| Noninterest expense to average assets | 2.4921% | 4,094 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9943% | 2,308 |
| Return on assets (ROA) | 1.0107% | 2,342 |
| Pretax return on assets | 1.5204% | 1,527 |
| Return on Equity (ROE) | 8.2853% | 2,768 |
| Retained earnings to average equity (ytd only) | 2.1999% | 4,379 |
| Net charge-offs to loans | 0.0231% | 2,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 93.6977% | 560 |
| Efficiency ratio | 62.1242% | 4,427 |
| Assets per employee ($millions) | 4.3865% | 3,265 |
| Cash dividends to net income (ytd only)* | 73.4484% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 5,384 |
| Loan loss allowance to noncurrent loans | 226.6949% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 3,400 |
| Noncurrent loans to loans | 0.3494% | 4,181 |
| Net loans and leases to total assets | 69.4345% | 2,434 |
| Net loans and leases to deposits | 88.4367% | 1,780 |
| Net loans and leases to core deposits | 89.6087% | 2,409 |
| Total domestic deposits to total assets | 78.5132% | 5,057 |
| Equity capital to assets | 12.4656% | 1,705 |
| Core capital (leverage) ratio | 11.2077% | 2,219 |
| Tier 1 risk-based capital ratio | 14.6224% | 3,331 |
| Total risk-based capital ratio | 15.3458% | 3,556 |
| Memoranda: | ||
| Average total assets | $1,077,640,000 | 669 |
| Average earning assets | $972,935,500 | 683 |
| Average equity | $131,462,000 | 609 |
| Average total loans | $744,568,000 | 666 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8554% | 3,861 |
| Cost of funding earning assets | 0.2532% | 4,744 |
| Net interest margin | 3.6022% | 3,128 |
| Noninterest income to average assets | 0.8547% | 1,591 |
| Noninterest expense to average assets | 2.8593% | 2,997 |
| Loan and lease loss provision to assets | 0.0196% | 4,013 |
| Net operating income to assets | 0.8306% | 3,192 |
| Return on assets (ROA) | 0.8616% | 3,129 |
| Pretax return on assets | 1.2742% | 2,382 |
| Return on Equity (ROE) | 7.1277% | 3,448 |
| Retained earnings to average equity (ytd only) | 0.6472% | 5,253 |
| Net charge-offs to loans | 0.1901% | 1,524 |
| Credit loss provision to net charge-offs | 15.1172% | 3,783 |
| Earnings coverage of net charge-offs (x) | 9.6357% | 2,800 |
| Efficiency ratio | 69.5201% | 3,300 |
| Assets per employee ($millions) | 4.4826% | 3,073 |
| Cash dividends to net income (ytd only)* | 90.9194% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7944% | 5,423 |
| Loan loss allowance to noncurrent loans | 267.2678% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.5420% | 3,477 |
| Noncurrent loans to loans | 0.2972% | 4,394 |
| Net loans and leases to total assets | 67.6805% | 2,756 |
| Net loans and leases to deposits | 85.1556% | 2,225 |
| Net loans and leases to core deposits | 86.2735% | 2,775 |
| Total domestic deposits to total assets | 79.4785% | 4,872 |
| Equity capital to assets | 11.9404% | 2,002 |
| Core capital (leverage) ratio | 11.5849% | 1,900 |
| Tier 1 risk-based capital ratio | 14.4169% | 3,483 |
| Total risk-based capital ratio | 15.1395% | 3,705 |
| Memoranda: | ||
| Average total assets | $1,021,266,400 | 674 |
| Average earning assets | $922,222,000 | 684 |
| Average equity | $123,448,200 | 621 |
| Average total loans | $695,943,800 | 665 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 3,884 |
| Cost of funding earning assets | 0.2604% | 4,770 |
| Net interest margin | 3.6021% | 3,156 |
| Noninterest income to average assets | 0.8675% | 1,558 |
| Noninterest expense to average assets | 2.6779% | 3,645 |
| Loan and lease loss provision to assets | 0.0266% | 3,734 |
| Net operating income to assets | 0.9753% | 2,594 |
| Return on assets (ROA) | 1.0105% | 2,517 |
| Pretax return on assets | 1.4701% | 1,761 |
| Return on Equity (ROE) | 8.3323% | 2,913 |
| Retained earnings to average equity (ytd only) | 1.7568% | 4,998 |
| Net charge-offs to loans | 0.1446% | 1,680 |
| Credit loss provision to net charge-offs | 26.9906% | 3,304 |
| Earnings coverage of net charge-offs (x) | 14.6787% | 2,238 |
| Efficiency ratio | 64.8864% | 4,088 |
| Assets per employee ($millions) | 4.1418% | 3,636 |
| Cash dividends to net income (ytd only)* | 78.9162% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 5,016 |
| Loan loss allowance to noncurrent loans | 179.6853% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 3,050 |
| Noncurrent loans to loans | 0.5237% | 3,773 |
| Net loans and leases to total assets | 66.9883% | 2,851 |
| Net loans and leases to deposits | 85.2626% | 2,243 |
| Net loans and leases to core deposits | 86.4129% | 2,806 |
| Total domestic deposits to total assets | 78.5671% | 5,077 |
| Equity capital to assets | 11.9696% | 2,130 |
| Core capital (leverage) ratio | 11.0499% | 2,435 |
| Tier 1 risk-based capital ratio | 14.5015% | 3,573 |
| Total risk-based capital ratio | 15.3529% | 3,730 |
| Memoranda: | ||
| Average total assets | $1,003,144,750 | 691 |
| Average earning assets | $906,786,750 | 697 |
| Average equity | $121,660,750 | 633 |
| Average total loans | $683,383,500 | 684 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9120% | 3,639 |
| Cost of funding earning assets | 0.2689% | 4,732 |
| Net interest margin | 3.6430% | 2,931 |
| Noninterest income to average assets | 0.8977% | 1,449 |
| Noninterest expense to average assets | 2.7409% | 3,446 |
| Loan and lease loss provision to assets | 0.0401% | 3,310 |
| Net operating income to assets | 0.9724% | 2,526 |
| Return on assets (ROA) | 1.0073% | 2,461 |
| Pretax return on assets | 1.4567% | 1,780 |
| Return on Equity (ROE) | 8.2687% | 2,907 |
| Retained earnings to average equity (ytd only) | 1.6788% | 4,856 |
| Net charge-offs to loans | 0.0867% | 2,172 |
| Credit loss provision to net charge-offs | 67.7966% | 2,487 |
| Earnings coverage of net charge-offs (x) | 24.4271% | 1,564 |
| Efficiency ratio | 65.4077% | 4,111 |
| Assets per employee ($millions) | 3.9060% | 4,058 |
| Cash dividends to net income (ytd only)* | 79.6972% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 4,811 |
| Loan loss allowance to noncurrent loans | 145.8281% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.8968% | 2,744 |
| Noncurrent loans to loans | 0.6940% | 3,410 |
| Net loans and leases to total assets | 69.3945% | 2,428 |
| Net loans and leases to deposits | 89.3444% | 1,683 |
| Net loans and leases to core deposits | 90.6380% | 2,280 |
| Total domestic deposits to total assets | 77.6707% | 5,342 |
| Equity capital to assets | 12.3664% | 1,754 |
| Core capital (leverage) ratio | 11.3994% | 2,072 |
| Tier 1 risk-based capital ratio | 14.4307% | 3,675 |
| Total risk-based capital ratio | 15.3430% | 3,798 |
| Memoranda: | ||
| Average total assets | $996,518,670 | 700 |
| Average earning assets | $899,806,670 | 706 |
| Average equity | $121,397,000 | 638 |
| Average total loans | $680,572,670 | 680 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8356% | 3,870 |
| Cost of funding earning assets | 0.2599% | 4,904 |
| Net interest margin | 3.5758% | 3,098 |
| Noninterest income to average assets | 0.8354% | 1,588 |
| Noninterest expense to average assets | 2.7080% | 3,558 |
| Loan and lease loss provision to assets | 0.0796% | 2,365 |
| Net operating income to assets | 0.9056% | 2,717 |
| Return on assets (ROA) | 0.9548% | 2,615 |
| Pretax return on assets | 1.3494% | 2,075 |
| Return on Equity (ROE) | 7.8963% | 3,007 |
| Retained earnings to average equity (ytd only) | 1.3106% | 4,963 |
| Net charge-offs to loans | 0.1465% | 1,366 |
| Credit loss provision to net charge-offs | 80.6452% | 1,819 |
| Earnings coverage of net charge-offs (x) | 13.7702% | 1,700 |
| Efficiency ratio | 66.5133% | 4,065 |
| Assets per employee ($millions) | 4.0315% | 3,897 |
| Cash dividends to net income (ytd only)* | 83.4028% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 4,828 |
| Loan loss allowance to noncurrent loans | 122.1951% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 1.0049% | 2,617 |
| Noncurrent loans to loans | 0.8506% | 3,120 |
| Net loans and leases to total assets | 67.5052% | 2,529 |
| Net loans and leases to deposits | 87.3044% | 1,694 |
| Net loans and leases to core deposits | 88.6580% | 2,257 |
| Total domestic deposits to total assets | 77.3216% | 5,564 |
| Equity capital to assets | 12.3430% | 1,792 |
| Core capital (leverage) ratio | 11.1232% | 2,292 |
| Tier 1 risk-based capital ratio | 14.5961% | 3,666 |
| Total risk-based capital ratio | 15.5329% | 3,766 |
| Memoranda: | ||
| Average total assets | $1,004,569,000 | 689 |
| Average earning assets | $908,114,000 | 701 |
| Average equity | $121,474,500 | 630 |
| Average total loans | $677,203,000 | 686 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9034% | 4,115 |
| Cost of funding earning assets | 0.2728% | 5,066 |
| Net interest margin | 3.6306% | 3,291 |
| Noninterest income to average assets | 0.8383% | 1,721 |
| Noninterest expense to average assets | 2.7619% | 3,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9536% | 2,616 |
| Return on assets (ROA) | 0.9854% | 2,533 |
| Pretax return on assets | 1.3854% | 1,930 |
| Return on Equity (ROE) | 8.2531% | 2,992 |
| Retained earnings to average equity (ytd only) | 3.2094% | 3,953 |
| Net charge-offs to loans | 0.0950% | 3,146 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 22.0066% | 1,642 |
| Efficiency ratio | 67.2701% | 4,016 |
| Assets per employee ($millions) | 4.2034% | 3,537 |
| Cash dividends to net income (ytd only)* | 61.1122% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 4,872 |
| Loan loss allowance to noncurrent loans | 136.7798% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.9224% | 2,906 |
| Noncurrent loans to loans | 0.7574% | 3,429 |
| Net loans and leases to total assets | 65.9466% | 2,893 |
| Net loans and leases to deposits | 87.7528% | 1,764 |
| Net loans and leases to core deposits | 88.8837% | 2,398 |
| Total domestic deposits to total assets | 75.1504% | 5,840 |
| Equity capital to assets | 11.8497% | 2,132 |
| Core capital (leverage) ratio | 11.2656% | 2,166 |
| Tier 1 risk-based capital ratio | 14.9624% | 3,504 |
| Total risk-based capital ratio | 15.9225% | 3,607 |
| Memoranda: | ||
| Average total assets | $996,375,000 | 682 |
| Average earning assets | $895,839,600 | 686 |
| Average equity | $118,961,400 | 609 |
| Average total loans | $639,139,600 | 684 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 4,173 |
| Cost of funding earning assets | 0.2835% | 5,056 |
| Net interest margin | 3.6171% | 3,360 |
| Noninterest income to average assets | 0.8261% | 1,791 |
| Noninterest expense to average assets | 2.6550% | 3,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9752% | 2,569 |
| Return on assets (ROA) | 0.9968% | 2,530 |
| Pretax return on assets | 1.4515% | 1,799 |
| Return on Equity (ROE) | 8.3324% | 3,021 |
| Retained earnings to average equity (ytd only) | 3.8296% | 3,928 |
| Net charge-offs to loans | 0.1272% | 2,520 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 17.5783% | 1,894 |
| Efficiency ratio | 65.0993% | 4,354 |
| Assets per employee ($millions) | 3.8980% | 4,093 |
| Cash dividends to net income (ytd only)* | 54.0394% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 4,675 |
| Loan loss allowance to noncurrent loans | 119.5663% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.1086% | 2,735 |
| Noncurrent loans to loans | 0.9340% | 3,224 |
| Net loans and leases to total assets | 63.6218% | 3,244 |
| Net loans and leases to deposits | 82.7826% | 2,324 |
| Net loans and leases to core deposits | 83.6595% | 2,923 |
| Total domestic deposits to total assets | 76.8540% | 5,700 |
| Equity capital to assets | 12.2519% | 1,867 |
| Core capital (leverage) ratio | 11.0723% | 2,414 |
| Tier 1 risk-based capital ratio | 15.3450% | 3,400 |
| Total risk-based capital ratio | 16.3367% | 3,475 |
| Memoranda: | ||
| Average total assets | $990,112,000 | 682 |
| Average earning assets | $889,385,000 | 692 |
| Average equity | $118,442,750 | 612 |
| Average total loans | $628,762,750 | 691 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 4,081 |
| Cost of funding earning assets | 0.2900% | 5,077 |
| Net interest margin | 3.6243% | 3,262 |
| Noninterest income to average assets | 0.7893% | 1,882 |
| Noninterest expense to average assets | 2.6958% | 3,884 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9289% | 2,664 |
| Return on assets (ROA) | 0.9513% | 2,639 |
| Pretax return on assets | 1.3766% | 1,980 |
| Return on Equity (ROE) | 8.0165% | 3,084 |
| Retained earnings to average equity (ytd only) | 3.7723% | 3,785 |
| Net charge-offs to loans | 0.0685% | 3,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 31.0326% | 1,227 |
| Efficiency ratio | 66.6833% | 4,250 |
| Assets per employee ($millions) | 3.8962% | 4,064 |
| Cash dividends to net income (ytd only)* | 52.9437% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 4,517 |
| Loan loss allowance to noncurrent loans | 105.5745% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.2040% | 2,678 |
| Noncurrent loans to loans | 1.1181% | 2,982 |
| Net loans and leases to total assets | 61.9865% | 3,407 |
| Net loans and leases to deposits | 84.4373% | 1,986 |
| Net loans and leases to core deposits | 85.3978% | 2,569 |
| Total domestic deposits to total assets | 73.4113% | 6,159 |
| Equity capital to assets | 11.9040% | 2,060 |
| Core capital (leverage) ratio | 11.1230% | 2,311 |
| Tier 1 risk-based capital ratio | 15.1402% | 3,559 |
| Total risk-based capital ratio | 16.1854% | 3,616 |
| Memoranda: | ||
| Average total assets | $992,720,000 | 675 |
| Average earning assets | $890,368,670 | 687 |
| Average equity | $117,807,330 | 607 |
| Average total loans | $627,681,330 | 686 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 4,180 |
| Cost of funding earning assets | 0.2807% | 5,279 |
| Net interest margin | 3.5987% | 3,247 |
| Noninterest income to average assets | 0.7660% | 1,885 |
| Noninterest expense to average assets | 2.6851% | 3,985 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9064% | 2,619 |
| Return on assets (ROA) | 0.9257% | 2,595 |
| Pretax return on assets | 1.3373% | 1,974 |
| Return on Equity (ROE) | 7.8131% | 3,037 |
| Retained earnings to average equity (ytd only) | 4.3908% | 3,492 |
| Net charge-offs to loans | 0.1309% | 1,929 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 15.7512% | 1,534 |
| Efficiency ratio | 67.1810% | 4,331 |
| Assets per employee ($millions) | 3.8288% | 4,268 |
| Cash dividends to net income (ytd only)* | 43.8020% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 4,747 |
| Loan loss allowance to noncurrent loans | 107.3765% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.2721% | 2,737 |
| Noncurrent loans to loans | 1.0962% | 3,229 |
| Net loans and leases to total assets | 64.0888% | 2,872 |
| Net loans and leases to deposits | 86.5161% | 1,531 |
| Net loans and leases to core deposits | 87.6385% | 2,138 |
| Total domestic deposits to total assets | 74.0773% | 6,235 |
| Equity capital to assets | 12.0655% | 1,826 |
| Core capital (leverage) ratio | 11.2946% | 2,142 |
| Tier 1 risk-based capital ratio | 14.9039% | 3,762 |
| Total risk-based capital ratio | 15.9444% | 3,844 |
| Memoranda: | ||
| Average total assets | $986,467,000 | 682 |
| Average earning assets | $884,984,000 | 691 |
| Average equity | $116,880,000 | 616 |
| Average total loans | $626,248,500 | 684 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 4,121 |
| Cost of funding earning assets | 0.3773% | 4,867 |
| Net interest margin | 3.6125% | 3,407 |
| Noninterest income to average assets | 0.9657% | 1,474 |
| Noninterest expense to average assets | 2.7676% | 3,845 |
| Loan and lease loss provision to assets | 0.1427% | 2,521 |
| Net operating income to assets | 0.8833% | 2,862 |
| Return on assets (ROA) | 0.9237% | 2,756 |
| Pretax return on assets | 1.3403% | 2,007 |
| Return on Equity (ROE) | 7.8136% | 3,134 |
| Retained earnings to average equity (ytd only) | 2.8765% | 4,203 |
| Net charge-offs to loans | 0.4807% | 1,384 |
| Credit loss provision to net charge-offs | 48.1596% | 3,857 |
| Earnings coverage of net charge-offs (x) | 4.8060% | 3,447 |
| Efficiency ratio | 66.0189% | 4,555 |
| Assets per employee ($millions) | 3.8479% | 4,164 |
| Cash dividends to net income (ytd only)* | 63.1858% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 4,460 |
| Loan loss allowance to noncurrent loans | 115.0195% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.3000% | 2,818 |
| Noncurrent loans to loans | 1.0751% | 3,377 |
| Net loans and leases to total assets | 61.3752% | 3,470 |
| Net loans and leases to deposits | 81.8205% | 2,201 |
| Net loans and leases to core deposits | 82.9884% | 2,773 |
| Total domestic deposits to total assets | 75.0120% | 6,196 |
| Equity capital to assets | 11.6356% | 2,074 |
| Core capital (leverage) ratio | 11.1637% | 2,226 |
| Tier 1 risk-based capital ratio | 15.2015% | 3,545 |
| Total risk-based capital ratio | 16.3040% | 3,578 |
| Memoranda: | ||
| Average total assets | $980,749,600 | 671 |
| Average earning assets | $875,927,200 | 687 |
| Average equity | $115,939,000 | 612 |
| Average total loans | $604,757,200 | 691 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 4,221 |
| Cost of funding earning assets | 0.4069% | 4,767 |
| Net interest margin | 3.5691% | 3,585 |
| Noninterest income to average assets | 0.9786% | 1,512 |
| Noninterest expense to average assets | 2.7195% | 3,948 |
| Loan and lease loss provision to assets | 0.1911% | 1,916 |
| Net operating income to assets | 0.8661% | 3,010 |
| Return on assets (ROA) | 0.8857% | 3,020 |
| Pretax return on assets | 1.2804% | 2,410 |
| Return on Equity (ROE) | 7.4627% | 3,400 |
| Retained earnings to average equity (ytd only) | 2.0287% | 5,114 |
| Net charge-offs to loans | 0.5922% | 1,058 |
| Credit loss provision to net charge-offs | 52.4345% | 3,450 |
| Earnings coverage of net charge-offs (x) | 3.9592% | 3,573 |
| Efficiency ratio | 65.3342% | 4,601 |
| Assets per employee ($millions) | 3.6947% | 4,461 |
| Cash dividends to net income (ytd only)* | 72.8155% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 4,458 |
| Loan loss allowance to noncurrent loans | 121.2005% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.3632% | 2,918 |
| Noncurrent loans to loans | 1.0632% | 3,675 |
| Net loans and leases to total assets | 61.5393% | 3,451 |
| Net loans and leases to deposits | 79.0537% | 2,530 |
| Net loans and leases to core deposits | 80.3970% | 3,079 |
| Total domestic deposits to total assets | 77.8449% | 5,924 |
| Equity capital to assets | 11.6600% | 2,162 |
| Core capital (leverage) ratio | 10.8979% | 2,573 |
| Tier 1 risk-based capital ratio | 15.0313% | 3,732 |
| Total risk-based capital ratio | 16.1750% | 3,752 |
| Memoranda: | ||
| Average total assets | $976,788,250 | 677 |
| Average earning assets | $871,352,000 | 690 |
| Average equity | $115,933,750 | 619 |
| Average total loans | $601,116,500 | 695 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9809% | 4,183 |
| Cost of funding earning assets | 0.4346% | 4,610 |
| Net interest margin | 3.5463% | 3,579 |
| Noninterest income to average assets | 0.9662% | 1,611 |
| Noninterest expense to average assets | 2.7469% | 3,865 |
| Loan and lease loss provision to assets | 0.2462% | 1,517 |
| Net operating income to assets | 0.7954% | 3,317 |
| Return on assets (ROA) | 0.8254% | 3,326 |
| Pretax return on assets | 1.1818% | 2,755 |
| Return on Equity (ROE) | 6.9135% | 3,655 |
| Retained earnings to average equity (ytd only) | 0.5138% | 5,695 |
| Net charge-offs to loans | 0.5164% | 1,271 |
| Credit loss provision to net charge-offs | 77.8210% | 2,671 |
| Earnings coverage of net charge-offs (x) | 4.3781% | 3,153 |
| Efficiency ratio | 66.4780% | 4,455 |
| Assets per employee ($millions) | 3.5788% | 4,672 |
| Cash dividends to net income (ytd only)* | 92.5677% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 3,714 |
| Loan loss allowance to noncurrent loans | 105.7280% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.6827% | 2,591 |
| Noncurrent loans to loans | 1.3919% | 3,217 |
| Net loans and leases to total assets | 62.5210% | 3,194 |
| Net loans and leases to deposits | 77.6320% | 2,619 |
| Net loans and leases to core deposits | 80.3320% | 2,988 |
| Total domestic deposits to total assets | 80.5351% | 5,466 |
| Equity capital to assets | 12.1251% | 1,833 |
| Core capital (leverage) ratio | 10.8400% | 2,514 |
| Tier 1 risk-based capital ratio | 15.0106% | 3,771 |
| Total risk-based capital ratio | 16.2612% | 3,736 |
| Memoranda: | ||
| Average total assets | $974,784,330 | 675 |
| Average earning assets | $870,209,000 | 686 |
| Average equity | $116,380,330 | 618 |
| Average total loans | $597,254,330 | 697 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 4,332 |
| Cost of funding earning assets | 0.4447% | 4,652 |
| Net interest margin | 3.4950% | 3,719 |
| Noninterest income to average assets | 1.0487% | 1,348 |
| Noninterest expense to average assets | 2.7634% | 3,821 |
| Loan and lease loss provision to assets | 0.2425% | 1,491 |
| Net operating income to assets | 0.8157% | 3,076 |
| Return on assets (ROA) | 0.8123% | 3,228 |
| Pretax return on assets | 1.1603% | 2,723 |
| Return on Equity (ROE) | 6.8547% | 3,569 |
| Retained earnings to average equity (ytd only) | 4.7267% | 3,404 |
| Net charge-offs to loans | 0.9743% | 629 |
| Credit loss provision to net charge-offs | 41.3223% | 2,729 |
| Earnings coverage of net charge-offs (x) | 2.3988% | 3,042 |
| Efficiency ratio | 66.2533% | 4,623 |
| Assets per employee ($millions) | 3.6479% | 4,681 |
| Cash dividends to net income (ytd only)* | 31.0448% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 4,260 |
| Loan loss allowance to noncurrent loans | 96.2264% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.8015% | 2,605 |
| Noncurrent loans to loans | 1.4499% | 3,388 |
| Net loans and leases to total assets | 61.4705% | 3,174 |
| Net loans and leases to deposits | 77.2138% | 2,462 |
| Net loans and leases to core deposits | 80.9089% | 2,706 |
| Total domestic deposits to total assets | 79.6109% | 5,840 |
| Equity capital to assets | 12.3227% | 1,826 |
| Core capital (leverage) ratio | 10.5437% | 2,716 |
| Tier 1 risk-based capital ratio | 14.9784% | 3,851 |
| Total risk-based capital ratio | 16.1976% | 3,841 |
| Memoranda: | ||
| Average total assets | $989,778,500 | 672 |
| Average earning assets | $884,246,000 | 685 |
| Average equity | $117,292,000 | 622 |
| Average total loans | $596,122,000 | 694 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2434% | 4,427 |
| Cost of funding earning assets | 0.5898% | 4,444 |
| Net interest margin | 3.6536% | 3,859 |
| Noninterest income to average assets | 1.1400% | 1,203 |
| Noninterest expense to average assets | 3.0556% | 3,075 |
| Loan and lease loss provision to assets | 0.5211% | 1,121 |
| Net operating income to assets | 0.6121% | 4,182 |
| Return on assets (ROA) | 0.7676% | 3,678 |
| Pretax return on assets | 1.0355% | 3,410 |
| Return on Equity (ROE) | 7.0927% | 3,591 |
| Retained earnings to average equity (ytd only) | 6.3924% | 1,877 |
| Net charge-offs to loans | 1.1101% | 948 |
| Credit loss provision to net charge-offs | 78.6460% | 3,871 |
| Earnings coverage of net charge-offs (x) | 2.0319% | 4,395 |
| Efficiency ratio | 69.4134% | 3,911 |
| Assets per employee ($millions) | 3.8489% | 4,273 |
| Cash dividends to net income (ytd only)* | 9.8736% | 4,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 3,586 |
| Loan loss allowance to noncurrent loans | 63.4344% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 2.4344% | 2,011 |
| Noncurrent loans to loans | 2.4224% | 2,199 |
| Net loans and leases to total assets | 57.3606% | 4,070 |
| Net loans and leases to deposits | 72.7522% | 3,293 |
| Net loans and leases to core deposits | 76.6888% | 3,440 |
| Total domestic deposits to total assets | 78.8438% | 5,921 |
| Equity capital to assets | 11.4094% | 2,528 |
| Core capital (leverage) ratio | 10.3067% | 3,002 |
| Tier 1 risk-based capital ratio | 14.6284% | 3,947 |
| Total risk-based capital ratio | 15.8794% | 3,903 |
| Memoranda: | ||
| Average total assets | $1,040,983,200 | 638 |
| Average earning assets | $929,409,800 | 649 |
| Average equity | $112,665,600 | 635 |
| Average total loans | $621,388,800 | 666 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 4,391 |
| Cost of funding earning assets | 0.6304% | 4,363 |
| Net interest margin | 3.6857% | 3,860 |
| Noninterest income to average assets | 1.1768% | 1,093 |
| Noninterest expense to average assets | 3.0692% | 2,981 |
| Loan and lease loss provision to assets | 0.6537% | 806 |
| Net operating income to assets | 0.5495% | 4,628 |
| Return on assets (ROA) | 0.6971% | 4,179 |
| Pretax return on assets | 0.9485% | 3,923 |
| Return on Equity (ROE) | 6.5274% | 4,049 |
| Retained earnings to average equity (ytd only) | 6.3375% | 2,465 |
| Net charge-offs to loans | 1.0845% | 951 |
| Credit loss provision to net charge-offs | 100.3918% | 2,948 |
| Earnings coverage of net charge-offs (x) | 2.1500% | 4,189 |
| Efficiency ratio | 68.6740% | 3,935 |
| Assets per employee ($millions) | 3.3614% | 5,301 |
| Cash dividends to net income (ytd only)* | 2.9094% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7660% | 2,913 |
| Loan loss allowance to noncurrent loans | 88.7058% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 2.2810% | 2,337 |
| Noncurrent loans to loans | 1.9909% | 2,851 |
| Net loans and leases to total assets | 60.1941% | 3,741 |
| Net loans and leases to deposits | 74.0758% | 3,271 |
| Net loans and leases to core deposits | 78.4950% | 3,395 |
| Total domestic deposits to total assets | 81.2602% | 5,278 |
| Equity capital to assets | 11.7313% | 2,503 |
| Core capital (leverage) ratio | 9.3442% | 4,512 |
| Tier 1 risk-based capital ratio | 13.9654% | 4,553 |
| Total risk-based capital ratio | 15.2193% | 4,499 |
| Memoranda: | ||
| Average total assets | $1,045,277,000 | 634 |
| Average earning assets | $933,760,250 | 643 |
| Average equity | $111,629,500 | 639 |
| Average total loans | $627,629,250 | 662 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2915% | 4,609 |
| Cost of funding earning assets | 0.6598% | 4,366 |
| Net interest margin | 3.6318% | 4,128 |
| Noninterest income to average assets | 1.0987% | 1,186 |
| Noninterest expense to average assets | 3.1361% | 2,798 |
| Loan and lease loss provision to assets | 0.7556% | 691 |
| Net operating income to assets | 0.3559% | 5,401 |
| Return on assets (ROA) | 0.5879% | 4,679 |
| Pretax return on assets | 0.7515% | 4,644 |
| Return on Equity (ROE) | 5.6778% | 4,489 |
| Retained earnings to average equity (ytd only) | 5.6778% | 2,890 |
| Net charge-offs to loans | 0.6072% | 1,800 |
| Credit loss provision to net charge-offs | 208.5492% | 1,355 |
| Earnings coverage of net charge-offs (x) | 3.3383% | 3,413 |
| Efficiency ratio | 72.1673% | 3,407 |
| Assets per employee ($millions) | 3.5732% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0041% | 2,216 |
| Loan loss allowance to noncurrent loans | 64.7265% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 2.8879% | 1,912 |
| Noncurrent loans to loans | 3.0963% | 1,902 |
| Net loans and leases to total assets | 59.8772% | 3,846 |
| Net loans and leases to deposits | 73.4437% | 3,391 |
| Net loans and leases to core deposits | 78.5232% | 3,447 |
| Total domestic deposits to total assets | 81.5280% | 5,285 |
| Equity capital to assets | 10.8179% | 3,321 |
| Core capital (leverage) ratio | 9.0892% | 4,778 |
| Tier 1 risk-based capital ratio | 12.8892% | 5,263 |
| Total risk-based capital ratio | 14.1452% | 5,237 |
| Memoranda: | ||
| Average total assets | $1,065,402,670 | 626 |
| Average earning assets | $952,478,000 | 628 |
| Average equity | $110,325,330 | 643 |
| Average total loans | $635,669,000 | 656 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3109% | 4,692 |
| Cost of funding earning assets | 0.6949% | 4,325 |
| Net interest margin | 3.6160% | 4,197 |
| Noninterest income to average assets | 0.8729% | 1,859 |
| Noninterest expense to average assets | 2.9048% | 3,605 |
| Loan and lease loss provision to assets | 0.6492% | 844 |
| Net operating income to assets | 0.4010% | 5,254 |
| Return on assets (ROA) | 0.5821% | 4,651 |
| Pretax return on assets | 0.8058% | 4,397 |
| Return on Equity (ROE) | 5.7449% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.7449% | 3,118 |
| Net charge-offs to loans | 0.7159% | 1,403 |
| Credit loss provision to net charge-offs | 153.7786% | 1,634 |
| Earnings coverage of net charge-offs (x) | 2.8506% | 3,041 |
| Efficiency ratio | 70.7062% | 3,674 |
| Assets per employee ($millions) | 3.6103% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7612% | 3,120 |
| Loan loss allowance to noncurrent loans | 50.0913% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 3.4833% | 1,650 |
| Noncurrent loans to loans | 3.5159% | 1,776 |
| Net loans and leases to total assets | 58.7217% | 3,916 |
| Net loans and leases to deposits | 72.8835% | 3,283 |
| Net loans and leases to core deposits | 78.2714% | 3,287 |
| Total domestic deposits to total assets | 80.5692% | 5,708 |
| Equity capital to assets | 10.3273% | 3,703 |
| Core capital (leverage) ratio | 8.7434% | 5,219 |
| Tier 1 risk-based capital ratio | 12.3809% | 5,695 |
| Total risk-based capital ratio | 13.6341% | 5,654 |
| Memoranda: | ||
| Average total assets | $1,078,201,500 | 615 |
| Average earning assets | $964,720,000 | 616 |
| Average equity | $109,245,500 | 645 |
| Average total loans | $635,834,000 | 651 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5735% | 4,777 |
| Cost of funding earning assets | 0.8986% | 4,126 |
| Net interest margin | 3.6749% | 4,414 |
| Noninterest income to average assets | 0.9070% | 1,651 |
| Noninterest expense to average assets | 3.0451% | 3,417 |
| Loan and lease loss provision to assets | 0.4826% | 2,189 |
| Net operating income to assets | 0.4677% | 4,550 |
| Return on assets (ROA) | 0.5131% | 4,577 |
| Pretax return on assets | 0.7026% | 4,320 |
| Return on Equity (ROE) | 5.1426% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.1426% | 2,538 |
| Net charge-offs to loans | 0.9387% | 1,853 |
| Credit loss provision to net charge-offs | 85.3906% | 4,225 |
| Earnings coverage of net charge-offs (x) | 1.9868% | 4,292 |
| Efficiency ratio | 73.0579% | 3,384 |
| Assets per employee ($millions) | 3.6502% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6809% | 3,276 |
| Loan loss allowance to noncurrent loans | 54.3226% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 2.9145% | 2,070 |
| Noncurrent loans to loans | 3.0942% | 2,088 |
| Net loans and leases to total assets | 57.2051% | 4,513 |
| Net loans and leases to deposits | 71.6869% | 3,850 |
| Net loans and leases to core deposits | 77.1508% | 3,803 |
| Total domestic deposits to total assets | 79.7986% | 5,796 |
| Equity capital to assets | 9.9405% | 4,238 |
| Core capital (leverage) ratio | 8.7156% | 5,227 |
| Tier 1 risk-based capital ratio | 12.1257% | 5,743 |
| Total risk-based capital ratio | 13.3778% | 5,725 |
| Memoranda: | ||
| Average total assets | $1,046,327,400 | 633 |
| Average earning assets | $928,522,400 | 639 |
| Average equity | $104,402,400 | 659 |
| Average total loans | $629,997,600 | 657 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6303% | 4,746 |
| Cost of funding earning assets | 0.9423% | 4,097 |
| Net interest margin | 3.6880% | 4,393 |
| Noninterest income to average assets | 0.8716% | 1,749 |
| Noninterest expense to average assets | 3.0758% | 3,254 |
| Loan and lease loss provision to assets | 0.5727% | 1,713 |
| Net operating income to assets | 0.3959% | 5,019 |
| Return on assets (ROA) | 0.4368% | 5,025 |
| Pretax return on assets | 0.5405% | 5,008 |
| Return on Equity (ROE) | 4.3734% | 4,824 |
| Retained earnings to average equity (ytd only) | 4.3734% | 3,617 |
| Net charge-offs to loans | 0.6558% | 2,288 |
| Credit loss provision to net charge-offs | 143.7803% | 2,209 |
| Earnings coverage of net charge-offs (x) | 2.6682% | 3,785 |
| Efficiency ratio | 74.3197% | 3,117 |
| Assets per employee ($millions) | 3.4519% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0122% | 2,303 |
| Loan loss allowance to noncurrent loans | 52.8812% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 3.3220% | 1,916 |
| Noncurrent loans to loans | 3.8052% | 1,773 |
| Net loans and leases to total assets | 59.4663% | 4,238 |
| Net loans and leases to deposits | 72.6884% | 3,852 |
| Net loans and leases to core deposits | 78.8154% | 3,791 |
| Total domestic deposits to total assets | 81.8098% | 5,157 |
| Equity capital to assets | 10.1712% | 4,130 |
| Core capital (leverage) ratio | 8.5289% | 5,670 |
| Tier 1 risk-based capital ratio | 11.9024% | 5,956 |
| Total risk-based capital ratio | 13.1584% | 5,940 |
| Memoranda: | ||
| Average total assets | $1,035,972,500 | 645 |
| Average earning assets | $917,733,000 | 651 |
| Average equity | $103,471,000 | 668 |
| Average total loans | $629,275,750 | 665 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 4,547 |
| Cost of funding earning assets | 0.9787% | 4,103 |
| Net interest margin | 3.7186% | 4,181 |
| Noninterest income to average assets | 0.9300% | 1,537 |
| Noninterest expense to average assets | 3.2119% | 2,858 |
| Loan and lease loss provision to assets | 0.6309% | 1,520 |
| Net operating income to assets | 0.3420% | 5,208 |
| Return on assets (ROA) | 0.3643% | 5,248 |
| Pretax return on assets | 0.3948% | 5,409 |
| Return on Equity (ROE) | 3.6708% | 5,081 |
| Retained earnings to average equity (ytd only) | 3.6708% | 3,887 |
| Net charge-offs to loans | 0.6683% | 2,164 |
| Credit loss provision to net charge-offs | 155.3537% | 1,958 |
| Earnings coverage of net charge-offs (x) | 2.4661% | 3,586 |
| Efficiency ratio | 76.2324% | 2,973 |
| Assets per employee ($millions) | 3.3799% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0382% | 2,263 |
| Loan loss allowance to noncurrent loans | 57.4228% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 3.3413% | 1,977 |
| Noncurrent loans to loans | 3.5494% | 1,992 |
| Net loans and leases to total assets | 59.8109% | 4,307 |
| Net loans and leases to deposits | 73.4598% | 3,885 |
| Net loans and leases to core deposits | 80.1821% | 3,758 |
| Total domestic deposits to total assets | 81.4199% | 5,383 |
| Equity capital to assets | 10.2936% | 3,760 |
| Core capital (leverage) ratio | 8.6277% | 5,350 |
| Tier 1 risk-based capital ratio | 11.9435% | 5,832 |
| Total risk-based capital ratio | 13.1997% | 5,803 |
| Memoranda: | ||
| Average total assets | $1,030,352,670 | 655 |
| Average earning assets | $909,748,330 | 666 |
| Average equity | $102,266,000 | 676 |
| Average total loans | $626,055,330 | 682 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6964% | 4,542 |
| Cost of funding earning assets | 1.0066% | 4,158 |
| Net interest margin | 3.6899% | 4,160 |
| Noninterest income to average assets | 0.9560% | 1,449 |
| Noninterest expense to average assets | 3.3771% | 2,341 |
| Loan and lease loss provision to assets | 0.5015% | 1,738 |
| Net operating income to assets | 0.2890% | 5,462 |
| Return on assets (ROA) | 0.3314% | 5,342 |
| Pretax return on assets | 0.3754% | 5,415 |
| Return on Equity (ROE) | 3.4007% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.4007% | 4,154 |
| Net charge-offs to loans | 0.4480% | 2,354 |
| Credit loss provision to net charge-offs | 184.6591% | 1,591 |
| Earnings coverage of net charge-offs (x) | 3.0511% | 2,866 |
| Efficiency ratio | 80.2972% | 2,475 |
| Assets per employee ($millions) | 3.3548% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9490% | 2,545 |
| Loan loss allowance to noncurrent loans | 70.3699% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 3.0315% | 2,278 |
| Noncurrent loans to loans | 2.7697% | 2,733 |
| Net loans and leases to total assets | 59.6775% | 4,330 |
| Net loans and leases to deposits | 73.5673% | 3,833 |
| Net loans and leases to core deposits | 80.7253% | 3,639 |
| Total domestic deposits to total assets | 81.1196% | 5,629 |
| Equity capital to assets | 10.0100% | 3,758 |
| Core capital (leverage) ratio | 8.2968% | 5,816 |
| Tier 1 risk-based capital ratio | 11.6147% | 6,011 |
| Total risk-based capital ratio | 12.8696% | 5,992 |
| Memoranda: | ||
| Average total assets | $1,036,853,500 | 651 |
| Average earning assets | $913,203,500 | 664 |
| Average equity | $101,038,000 | 676 |
| Average total loans | $628,509,500 | 685 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9392% | 4,837 |
| Cost of funding earning assets | 1.2786% | 4,027 |
| Net interest margin | 3.6607% | 4,527 |
| Noninterest income to average assets | 0.7299% | 2,648 |
| Noninterest expense to average assets | 3.2363% | 2,959 |
| Loan and lease loss provision to assets | 0.7046% | 2,326 |
| Net operating income to assets | 0.0471% | 5,707 |
| Return on assets (ROA) | 0.1811% | 5,504 |
| Pretax return on assets | 0.1398% | 5,621 |
| Return on Equity (ROE) | 1.9132% | 5,415 |
| Retained earnings to average equity (ytd only) | 1.9132% | 4,523 |
| Net charge-offs to loans | 0.8477% | 2,517 |
| Credit loss provision to net charge-offs | 134.9119% | 2,890 |
| Earnings coverage of net charge-offs (x) | 1.3601% | 4,750 |
| Efficiency ratio | 81.8849% | 2,182 |
| Assets per employee ($millions) | 3.4552% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 2,838 |
| Loan loss allowance to noncurrent loans | 69.7091% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 3.0794% | 2,291 |
| Noncurrent loans to loans | 2.5932% | 2,938 |
| Net loans and leases to total assets | 59.2868% | 4,790 |
| Net loans and leases to deposits | 72.9963% | 4,352 |
| Net loans and leases to core deposits | 79.4351% | 4,288 |
| Total domestic deposits to total assets | 81.2189% | 5,448 |
| Equity capital to assets | 9.4879% | 4,419 |
| Core capital (leverage) ratio | 8.1206% | 5,973 |
| Tier 1 risk-based capital ratio | 11.2239% | 6,163 |
| Total risk-based capital ratio | 12.4772% | 6,145 |
| Memoranda: | ||
| Average total assets | $1,043,170,000 | 646 |
| Average earning assets | $916,658,400 | 659 |
| Average equity | $98,734,400 | 683 |
| Average total loans | $642,672,600 | 684 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9958% | 4,835 |
| Cost of funding earning assets | 1.3435% | 3,949 |
| Net interest margin | 3.6523% | 4,625 |
| Noninterest income to average assets | 0.8216% | 2,121 |
| Noninterest expense to average assets | 3.0164% | 3,684 |
| Loan and lease loss provision to assets | 0.8778% | 1,732 |
| Net operating income to assets | 0.1204% | 5,720 |
| Return on assets (ROA) | 0.2825% | 5,394 |
| Pretax return on assets | 0.3151% | 5,463 |
| Return on Equity (ROE) | 2.9871% | 5,228 |
| Retained earnings to average equity (ytd only) | 2.9871% | 4,345 |
| Net charge-offs to loans | 0.6672% | 2,761 |
| Credit loss provision to net charge-offs | 212.4690% | 1,652 |
| Earnings coverage of net charge-offs (x) | 2.4513% | 3,945 |
| Efficiency ratio | 74.7416% | 3,189 |
| Assets per employee ($millions) | 3.4738% | 5,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0739% | 2,061 |
| Loan loss allowance to noncurrent loans | 69.8864% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 3.2704% | 2,184 |
| Noncurrent loans to loans | 2.9676% | 2,688 |
| Net loans and leases to total assets | 59.3325% | 5,035 |
| Net loans and leases to deposits | 73.5660% | 4,585 |
| Net loans and leases to core deposits | 79.9040% | 4,532 |
| Total domestic deposits to total assets | 80.6520% | 5,500 |
| Equity capital to assets | 9.7368% | 4,488 |
| Core capital (leverage) ratio | 8.1894% | 6,059 |
| Tier 1 risk-based capital ratio | 11.2741% | 6,124 |
| Total risk-based capital ratio | 12.5304% | 6,113 |
| Memoranda: | ||
| Average total assets | $1,040,502,000 | 641 |
| Average earning assets | $913,781,500 | 654 |
| Average equity | $98,421,000 | 680 |
| Average total loans | $644,268,000 | 684 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0507% | 4,702 |
| Cost of funding earning assets | 1.4207% | 3,743 |
| Net interest margin | 3.6299% | 4,694 |
| Noninterest income to average assets | 0.7780% | 2,245 |
| Noninterest expense to average assets | 2.9332% | 3,948 |
| Loan and lease loss provision to assets | 0.4438% | 3,101 |
| Net operating income to assets | 0.4238% | 4,643 |
| Return on assets (ROA) | 0.4849% | 4,549 |
| Pretax return on assets | 0.6657% | 4,352 |
| Return on Equity (ROE) | 5.1779% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.1779% | 2,801 |
| Net charge-offs to loans | 0.1377% | 4,843 |
| Credit loss provision to net charge-offs | 516.8539% | 719 |
| Earnings coverage of net charge-offs (x) | 11.9461% | 1,715 |
| Efficiency ratio | 73.9631% | 3,480 |
| Assets per employee ($millions) | 3.4971% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7866% | 2,760 |
| Loan loss allowance to noncurrent loans | 48.3252% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 3.8062% | 1,829 |
| Noncurrent loans to loans | 3.6971% | 2,116 |
| Net loans and leases to total assets | 60.4228% | 4,982 |
| Net loans and leases to deposits | 76.1737% | 4,304 |
| Net loans and leases to core deposits | 82.4042% | 4,356 |
| Total domestic deposits to total assets | 79.3224% | 5,938 |
| Equity capital to assets | 9.6599% | 4,454 |
| Core capital (leverage) ratio | 8.6055% | 5,226 |
| Tier 1 risk-based capital ratio | 11.6280% | 5,650 |
| Total risk-based capital ratio | 12.8815% | 5,609 |
| Memoranda: | ||
| Average total assets | $1,036,487,000 | 639 |
| Average earning assets | $908,278,000 | 655 |
| Average equity | $97,066,670 | 676 |
| Average total loans | $646,448,000 | 687 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 4,871 |
| Cost of funding earning assets | 1.5085% | 3,499 |
| Net interest margin | 3.5235% | 5,070 |
| Noninterest income to average assets | 0.7662% | 2,196 |
| Noninterest expense to average assets | 2.9925% | 3,709 |
| Loan and lease loss provision to assets | 0.4063% | 2,929 |
| Net operating income to assets | 0.3684% | 4,983 |
| Return on assets (ROA) | 0.3684% | 5,106 |
| Pretax return on assets | 0.4586% | 5,095 |
| Return on Equity (ROE) | 3.9973% | 4,899 |
| Retained earnings to average equity (ytd only) | 3.9973% | 3,752 |
| Net charge-offs to loans | 0.3174% | 3,144 |
| Credit loss provision to net charge-offs | 203.8835% | 1,826 |
| Earnings coverage of net charge-offs (x) | 4.3398% | 2,654 |
| Efficiency ratio | 77.4478% | 2,984 |
| Assets per employee ($millions) | 3.4298% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5744% | 3,557 |
| Loan loss allowance to noncurrent loans | 58.3813% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 3.2552% | 2,202 |
| Noncurrent loans to loans | 2.6967% | 2,975 |
| Net loans and leases to total assets | 61.9907% | 4,761 |
| Net loans and leases to deposits | 77.5378% | 4,120 |
| Net loans and leases to core deposits | 85.1306% | 4,027 |
| Total domestic deposits to total assets | 79.9490% | 5,797 |
| Equity capital to assets | 9.4745% | 4,572 |
| Core capital (leverage) ratio | 8.0976% | 6,080 |
| Tier 1 risk-based capital ratio | 10.9827% | 6,176 |
| Total risk-based capital ratio | 12.2339% | 6,140 |
| Memoranda: | ||
| Average total assets | $1,033,661,000 | 657 |
| Average earning assets | $906,833,500 | 676 |
| Average equity | $95,265,000 | 695 |
| Average total loans | $649,099,500 | 700 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1373% | 5,932 |
| Cost of funding earning assets | 1.9112% | 3,404 |
| Net interest margin | 3.2260% | 6,007 |
| Noninterest income to average assets | 0.7741% | 2,542 |
| Noninterest expense to average assets | 2.8509% | 4,745 |
| Loan and lease loss provision to assets | 0.6193% | 3,326 |
| Net operating income to assets | 0.1269% | 5,126 |
| Return on assets (ROA) | 0.4482% | 4,055 |
| Pretax return on assets | 0.5557% | 4,030 |
| Return on Equity (ROE) | 5.3566% | 3,496 |
| Retained earnings to average equity (ytd only) | 5.3566% | 1,644 |
| Net charge-offs to loans | 1.4977% | 1,673 |
| Credit loss provision to net charge-offs | 62.1356% | 6,616 |
| Earnings coverage of net charge-offs (x) | 0.7810% | 5,326 |
| Efficiency ratio | 78.4165% | 3,126 |
| Assets per employee ($millions) | 3.4158% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 3,905 |
| Loan loss allowance to noncurrent loans | 36.1024% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 3.9787% | 1,662 |
| Noncurrent loans to loans | 4.0630% | 1,820 |
| Net loans and leases to total assets | 61.6957% | 5,055 |
| Net loans and leases to deposits | 77.2520% | 4,517 |
| Net loans and leases to core deposits | 95.5369% | 4,507 |
| Total domestic deposits to total assets | 79.8630% | 5,710 |
| Equity capital to assets | 8.9638% | 5,202 |
| Core capital (leverage) ratio | 7.8916% | 6,333 |
| Tier 1 risk-based capital ratio | 10.6222% | 6,278 |
| Total risk-based capital ratio | 11.8722% | 6,252 |
| Memoranda: | ||
| Average total assets | $1,049,625,600 | 638 |
| Average earning assets | $928,977,000 | 654 |
| Average equity | $87,817,400 | 731 |
| Average total loans | $698,467,600 | 668 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1624% | 6,050 |
| Cost of funding earning assets | 1.9977% | 3,372 |
| Net interest margin | 3.1648% | 6,132 |
| Noninterest income to average assets | 0.7964% | 2,446 |
| Noninterest expense to average assets | 2.8891% | 4,503 |
| Loan and lease loss provision to assets | 0.4568% | 3,623 |
| Net operating income to assets | 0.2042% | 5,136 |
| Return on assets (ROA) | 0.4955% | 4,099 |
| Pretax return on assets | 0.6331% | 4,078 |
| Return on Equity (ROE) | 6.0297% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.0297% | 1,933 |
| Net charge-offs to loans | 0.5993% | 2,879 |
| Credit loss provision to net charge-offs | 112.8881% | 4,499 |
| Earnings coverage of net charge-offs (x) | 1.7705% | 4,467 |
| Efficiency ratio | 79.9923% | 2,844 |
| Assets per employee ($millions) | 3.4193% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0680% | 1,656 |
| Loan loss allowance to noncurrent loans | 34.5209% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 4.8410% | 1,220 |
| Noncurrent loans to loans | 5.9905% | 987 |
| Net loans and leases to total assets | 63.2380% | 5,032 |
| Net loans and leases to deposits | 79.2061% | 4,533 |
| Net loans and leases to core deposits | 98.9114% | 4,495 |
| Total domestic deposits to total assets | 79.8398% | 5,502 |
| Equity capital to assets | 8.8634% | 5,685 |
| Core capital (leverage) ratio | 7.3295% | 7,162 |
| Tier 1 risk-based capital ratio | 9.7615% | 7,175 |
| Total risk-based capital ratio | 11.0182% | 7,135 |
| Memoranda: | ||
| Average total assets | $1,050,725,000 | 650 |
| Average earning assets | $932,667,500 | 666 |
| Average equity | $86,348,750 | 751 |
| Average total loans | $709,469,250 | 671 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1903% | 6,116 |
| Cost of funding earning assets | 2.0733% | 3,403 |
| Net interest margin | 3.1170% | 6,183 |
| Noninterest income to average assets | 0.8097% | 2,368 |
| Noninterest expense to average assets | 2.9221% | 4,423 |
| Loan and lease loss provision to assets | 0.4562% | 3,247 |
| Net operating income to assets | 0.1464% | 5,426 |
| Return on assets (ROA) | 0.5716% | 3,911 |
| Pretax return on assets | 0.7567% | 3,813 |
| Return on Equity (ROE) | 7.1409% | 3,141 |
| Retained earnings to average equity (ytd only) | 7.1409% | 1,532 |
| Net charge-offs to loans | 0.8158% | 2,055 |
| Credit loss provision to net charge-offs | 81.6327% | 5,149 |
| Earnings coverage of net charge-offs (x) | 1.1694% | 4,648 |
| Efficiency ratio | 81.5852% | 2,781 |
| Assets per employee ($millions) | 3.4306% | 5,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8344% | 1,957 |
| Loan loss allowance to noncurrent loans | 25.2340% | 6,831 |
| Noncurrent assets plus other real estate owned to assets | 5.6842% | 875 |
| Noncurrent loans to loans | 7.2696% | 658 |
| Net loans and leases to total assets | 66.8133% | 4,398 |
| Net loans and leases to deposits | 83.2695% | 4,004 |
| Net loans and leases to core deposits | 107.1074% | 3,711 |
| Total domestic deposits to total assets | 80.2374% | 5,379 |
| Equity capital to assets | 8.1933% | 6,500 |
| Core capital (leverage) ratio | 7.0357% | 7,508 |
| Tier 1 risk-based capital ratio | 8.9815% | 7,706 |
| Total risk-based capital ratio | 10.2360% | 7,726 |
| Memoranda: | ||
| Average total assets | $1,052,198,330 | 662 |
| Average earning assets | $933,668,000 | 678 |
| Average equity | $84,219,000 | 781 |
| Average total loans | $720,747,670 | 686 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3699% | 5,572 |
| Cost of funding earning assets | 2.1190% | 3,563 |
| Net interest margin | 3.2509% | 5,688 |
| Noninterest income to average assets | 0.6820% | 2,991 |
| Noninterest expense to average assets | 2.8451% | 4,360 |
| Loan and lease loss provision to assets | 0.4542% | 2,651 |
| Net operating income to assets | 0.1827% | 5,709 |
| Return on assets (ROA) | 0.8936% | 2,878 |
| Pretax return on assets | 1.3122% | 2,241 |
| Return on Equity (ROE) | 11.2960% | 1,886 |
| Retained earnings to average equity (ytd only) | 11.2960% | 924 |
| Net charge-offs to loans | 0.0446% | 4,853 |
| Credit loss provision to net charge-offs | 1,481.4815% | 435 |
| Earnings coverage of net charge-offs (x) | 23.5185% | 1,273 |
| Efficiency ratio | 79.6434% | 2,875 |
| Assets per employee ($millions) | 3.3756% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0295% | 1,358 |
| Loan loss allowance to noncurrent loans | 30.2805% | 6,534 |
| Noncurrent assets plus other real estate owned to assets | 5.3367% | 813 |
| Noncurrent loans to loans | 6.7023% | 627 |
| Net loans and leases to total assets | 67.5024% | 4,240 |
| Net loans and leases to deposits | 83.6830% | 4,027 |
| Net loans and leases to core deposits | 109.5507% | 3,490 |
| Total domestic deposits to total assets | 80.6644% | 5,108 |
| Equity capital to assets | 7.9426% | 6,895 |
| Core capital (leverage) ratio | 6.8151% | 7,759 |
| Tier 1 risk-based capital ratio | 8.8946% | 7,846 |
| Total risk-based capital ratio | 10.1516% | 7,887 |
| Memoranda: | ||
| Average total assets | $1,056,845,000 | 660 |
| Average earning assets | $937,594,500 | 671 |
| Average equity | $83,604,500 | 790 |
| Average total loans | $726,211,500 | 684 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0158% | 5,481 |
| Cost of funding earning assets | 2.8731% | 2,379 |
| Net interest margin | 3.1428% | 6,540 |
| Noninterest income to average assets | 0.7530% | 2,763 |
| Noninterest expense to average assets | 3.4981% | 2,405 |
| Loan and lease loss provision to assets | 1.6616% | 786 |
| Net operating income to assets | -0.9002% | 7,186 |
| Return on assets (ROA) | -0.8549% | 7,080 |
| Pretax return on assets | -1.5546% | 7,284 |
| Return on Equity (ROE) | -10.0519% | 7,284 |
| Retained earnings to average equity (ytd only) | -10.0519% | 7,076 |
| Net charge-offs to loans | 2.1811% | 476 |
| Credit loss provision to net charge-offs | 110.5973% | 4,875 |
| Earnings coverage of net charge-offs (x) | 0.0241% | 6,229 |
| Efficiency ratio | 98.8404% | 1,028 |
| Assets per employee ($millions) | 3.3774% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8600% | 1,507 |
| Loan loss allowance to noncurrent loans | 31.0413% | 6,659 |
| Noncurrent assets plus other real estate owned to assets | 4.7778% | 756 |
| Noncurrent loans to loans | 5.9920% | 595 |
| Net loans and leases to total assets | 67.2571% | 4,592 |
| Net loans and leases to deposits | 83.9872% | 4,423 |
| Net loans and leases to core deposits | 108.7394% | 3,889 |
| Total domestic deposits to total assets | 80.0802% | 4,986 |
| Equity capital to assets | 7.8793% | 6,998 |
| Core capital (leverage) ratio | 6.5589% | 7,912 |
| Tier 1 risk-based capital ratio | 8.3138% | 8,030 |
| Total risk-based capital ratio | 9.5684% | 8,071 |
| Memoranda: | ||
| Average total assets | $1,080,971,800 | 614 |
| Average earning assets | $956,610,400 | 625 |
| Average equity | $91,932,600 | 725 |
| Average total loans | $744,594,000 | 644 |