Home > Bridge Bank > Performance and Condition Ratios
Bridge Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8898% | 716 |
| Cost of funding earning assets | 0.0627% | 6,319 |
| Net interest margin | 4.8272% | 333 |
| Noninterest income to average assets | 0.6650% | 2,336 |
| Noninterest expense to average assets | 3.4917% | 1,328 |
| Loan and lease loss provision to assets | 0.0007% | 3,700 |
| Net operating income to assets | 1.0017% | 2,265 |
| Return on assets (ROA) | 1.0442% | 2,200 |
| Pretax return on assets | 1.8341% | 816 |
| Return on Equity (ROE) | 10.3874% | 1,838 |
| Retained earnings to average equity (ytd only) | 10.3874% | 834 |
| Net charge-offs to loans | -0.0783% | 5,737 |
| Credit loss provision to net charge-offs | -1.1538% | 4,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9643% | 4,164 |
| Assets per employee ($millions) | 7.1676% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5629% | 2,180 |
| Loan loss allowance to noncurrent loans | 154.3370% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.7305% | 3,301 |
| Noncurrent loans to loans | 1.0127% | 2,738 |
| Net loans and leases to total assets | 70.8932% | 2,004 |
| Net loans and leases to deposits | 79.6451% | 2,602 |
| Net loans and leases to core deposits | 80.5024% | 3,104 |
| Total domestic deposits to total assets | 89.0113% | 1,262 |
| Equity capital to assets | 10.0565% | 4,086 |
| Core capital (leverage) ratio | 9.9361% | 3,689 |
| Tier 1 risk-based capital ratio | 10.5287% | 6,003 |
| Total risk-based capital ratio | 11.7832% | 5,938 |
| Memoranda: | ||
| Average total assets | $1,844,135,000 | 406 |
| Average earning assets | $1,755,480,000 | 394 |
| Average equity | $185,378,500 | 447 |
| Average total loans | $1,329,061,000 | 382 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9492% | 851 |
| Cost of funding earning assets | 0.0732% | 6,390 |
| Net interest margin | 4.8760% | 372 |
| Noninterest income to average assets | 0.7843% | 1,935 |
| Noninterest expense to average assets | 3.3946% | 1,709 |
| Loan and lease loss provision to assets | 0.1983% | 1,281 |
| Net operating income to assets | 1.0721% | 2,082 |
| Return on assets (ROA) | 1.0723% | 2,132 |
| Pretax return on assets | 1.8094% | 779 |
| Return on Equity (ROE) | 10.6100% | 1,856 |
| Retained earnings to average equity (ytd only) | 10.6100% | 430 |
| Net charge-offs to loans | 0.2233% | 1,880 |
| Credit loss provision to net charge-offs | 126.4015% | 1,894 |
| Earnings coverage of net charge-offs (x) | 12.7932% | 2,339 |
| Efficiency ratio | 62.3594% | 4,854 |
| Assets per employee ($millions) | 6.9629% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5988% | 2,093 |
| Loan loss allowance to noncurrent loans | 265.8220% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 4,370 |
| Noncurrent loans to loans | 0.6015% | 3,866 |
| Net loans and leases to total assets | 70.9693% | 2,081 |
| Net loans and leases to deposits | 81.9765% | 2,474 |
| Net loans and leases to core deposits | 82.6390% | 3,035 |
| Total domestic deposits to total assets | 86.5727% | 2,527 |
| Equity capital to assets | 10.0480% | 4,045 |
| Core capital (leverage) ratio | 9.8946% | 3,718 |
| Tier 1 risk-based capital ratio | 11.1282% | 5,853 |
| Total risk-based capital ratio | 12.3802% | 5,793 |
| Memoranda: | ||
| Average total assets | $1,682,441,800 | 422 |
| Average earning assets | $1,593,315,200 | 408 |
| Average equity | $170,038,400 | 466 |
| Average total loans | $1,182,225,000 | 398 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0778% | 677 |
| Cost of funding earning assets | 0.0766% | 6,464 |
| Net interest margin | 5.0012% | 296 |
| Noninterest income to average assets | 0.8311% | 1,771 |
| Noninterest expense to average assets | 3.4301% | 1,590 |
| Loan and lease loss provision to assets | 0.2735% | 759 |
| Net operating income to assets | 1.1086% | 1,993 |
| Return on assets (ROA) | 1.1088% | 2,054 |
| Pretax return on assets | 1.8558% | 790 |
| Return on Equity (ROE) | 10.9539% | 1,805 |
| Retained earnings to average equity (ytd only) | 10.9539% | 521 |
| Net charge-offs to loans | 0.2902% | 1,358 |
| Credit loss provision to net charge-offs | 135.0758% | 1,726 |
| Earnings coverage of net charge-offs (x) | 10.5156% | 2,531 |
| Efficiency ratio | 61.2262% | 5,000 |
| Assets per employee ($millions) | 7.0264% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7323% | 1,877 |
| Loan loss allowance to noncurrent loans | 252.1193% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.4768% | 4,465 |
| Noncurrent loans to loans | 0.6871% | 3,891 |
| Net loans and leases to total assets | 67.9996% | 2,531 |
| Net loans and leases to deposits | 76.6794% | 3,107 |
| Net loans and leases to core deposits | 77.2777% | 3,609 |
| Total domestic deposits to total assets | 88.6805% | 1,410 |
| Equity capital to assets | 10.0205% | 4,142 |
| Core capital (leverage) ratio | 10.2313% | 3,369 |
| Tier 1 risk-based capital ratio | 11.4768% | 5,799 |
| Total risk-based capital ratio | 12.7299% | 5,733 |
| Memoranda: | ||
| Average total assets | $1,650,464,000 | 428 |
| Average earning assets | $1,560,218,000 | 412 |
| Average equity | $167,072,000 | 468 |
| Average total loans | $1,151,364,000 | 406 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0295% | 711 |
| Cost of funding earning assets | 0.0827% | 6,519 |
| Net interest margin | 4.9469% | 316 |
| Noninterest income to average assets | 0.8151% | 1,783 |
| Noninterest expense to average assets | 3.4947% | 1,482 |
| Loan and lease loss provision to assets | 0.2622% | 805 |
| Net operating income to assets | 1.0478% | 2,127 |
| Return on assets (ROA) | 1.0482% | 2,197 |
| Pretax return on assets | 1.7355% | 955 |
| Return on Equity (ROE) | 10.3176% | 2,004 |
| Retained earnings to average equity (ytd only) | 10.3176% | 647 |
| Net charge-offs to loans | 0.1467% | 2,211 |
| Credit loss provision to net charge-offs | 255.3679% | 975 |
| Earnings coverage of net charge-offs (x) | 19.4536% | 1,627 |
| Efficiency ratio | 63.1505% | 4,830 |
| Assets per employee ($millions) | 6.7196% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8239% | 1,782 |
| Loan loss allowance to noncurrent loans | 166.3902% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.7948% | 3,581 |
| Noncurrent loans to loans | 1.0961% | 3,037 |
| Net loans and leases to total assets | 71.0573% | 1,911 |
| Net loans and leases to deposits | 80.0818% | 2,504 |
| Net loans and leases to core deposits | 80.7804% | 3,120 |
| Total domestic deposits to total assets | 88.7308% | 1,513 |
| Equity capital to assets | 10.4344% | 3,524 |
| Core capital (leverage) ratio | 10.3160% | 3,190 |
| Tier 1 risk-based capital ratio | 11.1864% | 5,965 |
| Total risk-based capital ratio | 12.4404% | 5,903 |
| Memoranda: | ||
| Average total assets | $1,615,088,000 | 437 |
| Average earning assets | $1,526,857,330 | 416 |
| Average equity | $164,089,330 | 472 |
| Average total loans | $1,129,974,330 | 412 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8907% | 885 |
| Cost of funding earning assets | 0.0919% | 6,583 |
| Net interest margin | 4.7988% | 380 |
| Noninterest income to average assets | 0.6775% | 2,307 |
| Noninterest expense to average assets | 3.4300% | 1,631 |
| Loan and lease loss provision to assets | 0.1292% | 1,880 |
| Net operating income to assets | 0.9910% | 2,240 |
| Return on assets (ROA) | 0.9918% | 2,295 |
| Pretax return on assets | 1.6616% | 1,046 |
| Return on Equity (ROE) | 9.8974% | 2,083 |
| Retained earnings to average equity (ytd only) | 9.8974% | 992 |
| Net charge-offs to loans | -0.0795% | 6,027 |
| Credit loss provision to net charge-offs | -236.3636% | 4,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2097% | 4,657 |
| Assets per employee ($millions) | 6.8759% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8348% | 1,947 |
| Loan loss allowance to noncurrent loans | 176.7469% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7339% | 3,920 |
| Noncurrent loans to loans | 1.0381% | 3,348 |
| Net loans and leases to total assets | 69.2607% | 2,024 |
| Net loans and leases to deposits | 77.9747% | 2,563 |
| Net loans and leases to core deposits | 78.7274% | 3,119 |
| Total domestic deposits to total assets | 88.8246% | 1,766 |
| Equity capital to assets | 10.1593% | 3,654 |
| Core capital (leverage) ratio | 10.2524% | 3,218 |
| Tier 1 risk-based capital ratio | 10.9286% | 6,180 |
| Total risk-based capital ratio | 12.1825% | 6,136 |
| Memoranda: | ||
| Average total assets | $1,609,559,500 | 441 |
| Average earning assets | $1,523,456,000 | 419 |
| Average equity | $161,295,000 | 476 |
| Average total loans | $1,106,481,500 | 417 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1881% | 653 |
| Cost of funding earning assets | 0.1084% | 6,653 |
| Net interest margin | 5.0797% | 271 |
| Noninterest income to average assets | 0.8712% | 1,781 |
| Noninterest expense to average assets | 3.5389% | 1,569 |
| Loan and lease loss provision to assets | 0.4019% | 743 |
| Net operating income to assets | 1.0221% | 2,238 |
| Return on assets (ROA) | 1.0576% | 2,165 |
| Pretax return on assets | 1.7726% | 806 |
| Return on Equity (ROE) | 10.2190% | 2,024 |
| Retained earnings to average equity (ytd only) | 10.2190% | 523 |
| Net charge-offs to loans | 0.4109% | 1,635 |
| Credit loss provision to net charge-offs | 143.4879% | 1,623 |
| Earnings coverage of net charge-offs (x) | 7.5649% | 2,814 |
| Efficiency ratio | 62.0626% | 5,200 |
| Assets per employee ($millions) | 6.8225% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8807% | 1,829 |
| Loan loss allowance to noncurrent loans | 133.4965% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.9447% | 3,540 |
| Noncurrent loans to loans | 1.4088% | 2,786 |
| Net loans and leases to total assets | 65.6608% | 2,741 |
| Net loans and leases to deposits | 73.8384% | 3,286 |
| Net loans and leases to core deposits | 74.8857% | 3,747 |
| Total domestic deposits to total assets | 88.9250% | 1,679 |
| Equity capital to assets | 9.8817% | 3,923 |
| Core capital (leverage) ratio | 10.0586% | 3,489 |
| Tier 1 risk-based capital ratio | 10.9978% | 6,172 |
| Total risk-based capital ratio | 12.2519% | 6,117 |
| Memoranda: | ||
| Average total assets | $1,447,275,200 | 466 |
| Average earning assets | $1,363,792,000 | 449 |
| Average equity | $149,789,800 | 490 |
| Average total loans | $986,699,800 | 434 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2085% | 631 |
| Cost of funding earning assets | 0.1110% | 6,744 |
| Net interest margin | 5.0975% | 260 |
| Noninterest income to average assets | 0.8858% | 1,805 |
| Noninterest expense to average assets | 3.5289% | 1,548 |
| Loan and lease loss provision to assets | 0.5743% | 436 |
| Net operating income to assets | 0.9303% | 2,686 |
| Return on assets (ROA) | 0.9790% | 2,575 |
| Pretax return on assets | 1.6519% | 1,208 |
| Return on Equity (ROE) | 9.3394% | 2,466 |
| Retained earnings to average equity (ytd only) | 9.3394% | 953 |
| Net charge-offs to loans | 0.6947% | 863 |
| Credit loss provision to net charge-offs | 120.6204% | 1,954 |
| Earnings coverage of net charge-offs (x) | 4.5158% | 3,422 |
| Efficiency ratio | 61.7175% | 5,174 |
| Assets per employee ($millions) | 6.4131% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9269% | 1,915 |
| Loan loss allowance to noncurrent loans | 125.2221% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 1.0552% | 3,541 |
| Noncurrent loans to loans | 1.5388% | 2,857 |
| Net loans and leases to total assets | 67.1222% | 2,440 |
| Net loans and leases to deposits | 75.9388% | 2,973 |
| Net loans and leases to core deposits | 77.1185% | 3,484 |
| Total domestic deposits to total assets | 88.3898% | 1,901 |
| Equity capital to assets | 10.3143% | 3,486 |
| Core capital (leverage) ratio | 10.2051% | 3,393 |
| Tier 1 risk-based capital ratio | 11.8406% | 5,881 |
| Total risk-based capital ratio | 13.0956% | 5,826 |
| Memoranda: | ||
| Average total assets | $1,408,274,000 | 482 |
| Average earning assets | $1,324,191,250 | 470 |
| Average equity | $147,629,250 | 498 |
| Average total loans | $965,148,750 | 440 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1140% | 756 |
| Cost of funding earning assets | 0.1113% | 6,801 |
| Net interest margin | 5.0027% | 308 |
| Noninterest income to average assets | 0.9809% | 1,579 |
| Noninterest expense to average assets | 3.4882% | 1,630 |
| Loan and lease loss provision to assets | 0.8928% | 216 |
| Net operating income to assets | 0.7552% | 3,536 |
| Return on assets (ROA) | 0.8294% | 3,304 |
| Pretax return on assets | 1.4177% | 1,867 |
| Return on Equity (ROE) | 7.8671% | 3,158 |
| Retained earnings to average equity (ytd only) | 7.8671% | 1,541 |
| Net charge-offs to loans | 1.1633% | 501 |
| Credit loss provision to net charge-offs | 111.9211% | 1,986 |
| Earnings coverage of net charge-offs (x) | 2.7511% | 3,596 |
| Efficiency ratio | 60.9517% | 5,340 |
| Assets per employee ($millions) | 6.6870% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9160% | 2,072 |
| Loan loss allowance to noncurrent loans | 118.0322% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.1056% | 3,516 |
| Noncurrent loans to loans | 1.6233% | 2,873 |
| Net loans and leases to total assets | 66.6768% | 2,472 |
| Net loans and leases to deposits | 75.2031% | 2,990 |
| Net loans and leases to core deposits | 76.4354% | 3,491 |
| Total domestic deposits to total assets | 88.6623% | 1,799 |
| Equity capital to assets | 10.2179% | 3,645 |
| Core capital (leverage) ratio | 10.1790% | 3,262 |
| Tier 1 risk-based capital ratio | 11.6430% | 6,035 |
| Total risk-based capital ratio | 12.8977% | 5,983 |
| Memoranda: | ||
| Average total assets | $1,386,026,330 | 488 |
| Average earning assets | $1,302,664,670 | 470 |
| Average equity | $146,126,670 | 506 |
| Average total loans | $950,359,670 | 445 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0870% | 760 |
| Cost of funding earning assets | 0.1097% | 6,891 |
| Net interest margin | 4.9774% | 305 |
| Noninterest income to average assets | 0.8904% | 1,789 |
| Noninterest expense to average assets | 3.4556% | 1,711 |
| Loan and lease loss provision to assets | 0.2373% | 1,534 |
| Net operating income to assets | 1.0956% | 1,872 |
| Return on assets (ROA) | 1.0956% | 1,980 |
| Pretax return on assets | 1.8740% | 770 |
| Return on Equity (ROE) | 10.2208% | 1,987 |
| Retained earnings to average equity (ytd only) | 10.2208% | 1,053 |
| Net charge-offs to loans | 0.0668% | 3,160 |
| Credit loss provision to net charge-offs | 515.4839% | 514 |
| Earnings coverage of net charge-offs (x) | 45.8645% | 717 |
| Efficiency ratio | 61.5824% | 5,361 |
| Assets per employee ($millions) | 6.1864% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0052% | 2,027 |
| Loan loss allowance to noncurrent loans | 198.7590% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.7133% | 4,590 |
| Noncurrent loans to loans | 1.0089% | 4,112 |
| Net loans and leases to total assets | 69.0630% | 1,835 |
| Net loans and leases to deposits | 78.3864% | 2,288 |
| Net loans and leases to core deposits | 79.6747% | 2,847 |
| Total domestic deposits to total assets | 88.1058% | 2,255 |
| Equity capital to assets | 10.9121% | 3,061 |
| Core capital (leverage) ratio | 10.8779% | 2,368 |
| Tier 1 risk-based capital ratio | 11.9389% | 5,951 |
| Total risk-based capital ratio | 13.1947% | 5,913 |
| Memoranda: | ||
| Average total assets | $1,346,816,000 | 498 |
| Average earning assets | $1,265,411,500 | 484 |
| Average equity | $144,372,000 | 521 |
| Average total loans | $927,779,500 | 454 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4883% | 635 |
| Cost of funding earning assets | 0.1003% | 6,998 |
| Net interest margin | 5.3880% | 200 |
| Noninterest income to average assets | 0.8321% | 2,114 |
| Noninterest expense to average assets | 3.7429% | 1,336 |
| Loan and lease loss provision to assets | 0.3122% | 2,194 |
| Net operating income to assets | 1.0827% | 1,999 |
| Return on assets (ROA) | 1.0997% | 2,123 |
| Pretax return on assets | 1.8650% | 803 |
| Return on Equity (ROE) | 10.0045% | 2,166 |
| Retained earnings to average equity (ytd only) | 10.0045% | 599 |
| Net charge-offs to loans | 0.3025% | 3,133 |
| Credit loss provision to net charge-offs | 149.0952% | 1,830 |
| Earnings coverage of net charge-offs (x) | 10.2703% | 2,154 |
| Efficiency ratio | 63.1327% | 5,054 |
| Assets per employee ($millions) | 6.4976% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0346% | 1,931 |
| Loan loss allowance to noncurrent loans | 184.7597% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 4,590 |
| Noncurrent loans to loans | 1.1012% | 4,000 |
| Net loans and leases to total assets | 65.9242% | 2,538 |
| Net loans and leases to deposits | 74.8122% | 2,988 |
| Net loans and leases to core deposits | 75.8845% | 3,548 |
| Total domestic deposits to total assets | 88.1196% | 2,156 |
| Equity capital to assets | 10.5264% | 3,498 |
| Core capital (leverage) ratio | 10.6522% | 2,594 |
| Tier 1 risk-based capital ratio | 11.8207% | 5,893 |
| Total risk-based capital ratio | 13.0766% | 5,855 |
| Memoranda: | ||
| Average total assets | $1,213,927,000 | 542 |
| Average earning assets | $1,140,345,000 | 520 |
| Average equity | $133,439,400 | 539 |
| Average total loans | $840,232,000 | 488 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5580% | 602 |
| Cost of funding earning assets | 0.0977% | 7,113 |
| Net interest margin | 5.4603% | 188 |
| Noninterest income to average assets | 0.7855% | 2,301 |
| Noninterest expense to average assets | 3.7517% | 1,286 |
| Loan and lease loss provision to assets | 0.2709% | 2,406 |
| Net operating income to assets | 1.1094% | 2,054 |
| Return on assets (ROA) | 1.1328% | 2,171 |
| Pretax return on assets | 1.9235% | 826 |
| Return on Equity (ROE) | 10.1821% | 2,264 |
| Retained earnings to average equity (ytd only) | 10.1821% | 870 |
| Net charge-offs to loans | 0.1940% | 3,568 |
| Credit loss provision to net charge-offs | 200.1668% | 1,375 |
| Earnings coverage of net charge-offs (x) | 15.9441% | 1,721 |
| Efficiency ratio | 63.1215% | 4,958 |
| Assets per employee ($millions) | 6.1502% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0943% | 1,917 |
| Loan loss allowance to noncurrent loans | 208.5140% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 4,893 |
| Noncurrent loans to loans | 1.0044% | 4,446 |
| Net loans and leases to total assets | 68.7766% | 2,157 |
| Net loans and leases to deposits | 78.5667% | 2,588 |
| Net loans and leases to core deposits | 79.7265% | 3,236 |
| Total domestic deposits to total assets | 87.5391% | 2,324 |
| Equity capital to assets | 11.0092% | 3,268 |
| Core capital (leverage) ratio | 11.0460% | 2,334 |
| Tier 1 risk-based capital ratio | 12.2315% | 5,817 |
| Total risk-based capital ratio | 13.4883% | 5,785 |
| Memoranda: | ||
| Average total assets | $1,181,158,000 | 564 |
| Average earning assets | $1,108,428,500 | 540 |
| Average equity | $131,404,250 | 551 |
| Average total loans | $824,015,750 | 499 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5591% | 630 |
| Cost of funding earning assets | 0.0926% | 7,191 |
| Net interest margin | 5.4665% | 184 |
| Noninterest income to average assets | 0.8014% | 2,171 |
| Noninterest expense to average assets | 3.7590% | 1,275 |
| Loan and lease loss provision to assets | 0.4141% | 1,589 |
| Net operating income to assets | 1.0343% | 2,323 |
| Return on assets (ROA) | 1.0700% | 2,387 |
| Pretax return on assets | 1.8187% | 1,002 |
| Return on Equity (ROE) | 9.5819% | 2,539 |
| Retained earnings to average equity (ytd only) | 9.5819% | 1,089 |
| Net charge-offs to loans | 0.3098% | 2,790 |
| Credit loss provision to net charge-offs | 192.0737% | 1,478 |
| Earnings coverage of net charge-offs (x) | 10.0985% | 2,094 |
| Efficiency ratio | 63.0078% | 5,079 |
| Assets per employee ($millions) | 5.8118% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1617% | 1,858 |
| Loan loss allowance to noncurrent loans | 198.8817% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.8191% | 4,763 |
| Noncurrent loans to loans | 1.0869% | 4,350 |
| Net loans and leases to total assets | 71.3217% | 1,677 |
| Net loans and leases to deposits | 82.6508% | 2,029 |
| Net loans and leases to core deposits | 84.1790% | 2,666 |
| Total domestic deposits to total assets | 86.2928% | 3,201 |
| Equity capital to assets | 11.4530% | 2,632 |
| Core capital (leverage) ratio | 11.1885% | 2,135 |
| Tier 1 risk-based capital ratio | 12.3405% | 5,692 |
| Total risk-based capital ratio | 13.5981% | 5,666 |
| Memoranda: | ||
| Average total assets | $1,158,713,000 | 571 |
| Average earning assets | $1,088,375,670 | 550 |
| Average equity | $129,389,330 | 555 |
| Average total loans | $806,341,330 | 504 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6403% | 584 |
| Cost of funding earning assets | 0.0899% | 7,257 |
| Net interest margin | 5.5504% | 168 |
| Noninterest income to average assets | 0.7811% | 2,254 |
| Noninterest expense to average assets | 3.7380% | 1,317 |
| Loan and lease loss provision to assets | 0.6355% | 874 |
| Net operating income to assets | 0.9515% | 2,684 |
| Return on assets (ROA) | 1.0221% | 2,583 |
| Pretax return on assets | 1.7267% | 1,239 |
| Return on Equity (ROE) | 9.2722% | 2,696 |
| Retained earnings to average equity (ytd only) | 9.2722% | 1,491 |
| Net charge-offs to loans | 0.5019% | 1,831 |
| Credit loss provision to net charge-offs | 186.4097% | 1,409 |
| Earnings coverage of net charge-offs (x) | 6.6055% | 2,177 |
| Efficiency ratio | 62.0526% | 5,267 |
| Assets per employee ($millions) | 5.7837% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2152% | 1,852 |
| Loan loss allowance to noncurrent loans | 213.8754% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.7872% | 4,974 |
| Noncurrent loans to loans | 1.0357% | 4,618 |
| Net loans and leases to total assets | 68.7634% | 1,976 |
| Net loans and leases to deposits | 78.5473% | 2,411 |
| Net loans and leases to core deposits | 80.2921% | 3,042 |
| Total domestic deposits to total assets | 87.5439% | 2,629 |
| Equity capital to assets | 11.1795% | 2,730 |
| Core capital (leverage) ratio | 10.9090% | 2,338 |
| Tier 1 risk-based capital ratio | 12.1885% | 5,832 |
| Total risk-based capital ratio | 13.4462% | 5,799 |
| Memoranda: | ||
| Average total assets | $1,156,887,500 | 573 |
| Average earning assets | $1,085,693,500 | 555 |
| Average equity | $127,521,000 | 560 |
| Average total loans | $785,844,500 | 512 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1454% | 2,266 |
| Cost of funding earning assets | 0.1208% | 7,294 |
| Net interest margin | 5.0246% | 399 |
| Noninterest income to average assets | 0.8542% | 1,828 |
| Noninterest expense to average assets | 3.9555% | 1,105 |
| Loan and lease loss provision to assets | 0.2033% | 4,150 |
| Net operating income to assets | 0.8155% | 2,973 |
| Return on assets (ROA) | 0.8423% | 3,022 |
| Pretax return on assets | 1.4481% | 1,630 |
| Return on Equity (ROE) | 7.3423% | 3,222 |
| Retained earnings to average equity (ytd only) | 7.3423% | 1,344 |
| Net charge-offs to loans | -0.0579% | 7,074 |
| Credit loss provision to net charge-offs | -540.8629% | 6,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6652% | 3,823 |
| Assets per employee ($millions) | 5.9950% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2640% | 1,685 |
| Loan loss allowance to noncurrent loans | 151.4513% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 1.0364% | 4,535 |
| Noncurrent loans to loans | 1.4949% | 3,906 |
| Net loans and leases to total assets | 64.0508% | 3,181 |
| Net loans and leases to deposits | 73.0367% | 3,659 |
| Net loans and leases to core deposits | 74.9676% | 4,107 |
| Total domestic deposits to total assets | 87.6967% | 2,336 |
| Equity capital to assets | 10.8660% | 3,125 |
| Core capital (leverage) ratio | 11.1656% | 2,147 |
| Tier 1 risk-based capital ratio | 12.2732% | 5,628 |
| Total risk-based capital ratio | 13.5308% | 5,595 |
| Memoranda: | ||
| Average total assets | $1,048,129,800 | 629 |
| Average earning assets | $982,706,000 | 600 |
| Average equity | $120,235,200 | 577 |
| Average total loans | $680,122,200 | 607 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1700% | 2,311 |
| Cost of funding earning assets | 0.1279% | 7,369 |
| Net interest margin | 5.0422% | 381 |
| Noninterest income to average assets | 0.8792% | 1,722 |
| Noninterest expense to average assets | 4.0440% | 958 |
| Loan and lease loss provision to assets | 0.2010% | 4,008 |
| Net operating income to assets | 0.7978% | 3,174 |
| Return on assets (ROA) | 0.8345% | 3,166 |
| Pretax return on assets | 1.4147% | 1,901 |
| Return on Equity (ROE) | 7.1677% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.1677% | 1,880 |
| Net charge-offs to loans | -0.1506% | 7,225 |
| Credit loss provision to net charge-offs | -206.3003% | 6,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7410% | 3,605 |
| Assets per employee ($millions) | 5.8956% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3634% | 1,598 |
| Loan loss allowance to noncurrent loans | 145.9350% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 1.0976% | 4,576 |
| Noncurrent loans to loans | 1.6195% | 3,870 |
| Net loans and leases to total assets | 64.4636% | 3,215 |
| Net loans and leases to deposits | 73.9036% | 3,669 |
| Net loans and leases to core deposits | 75.7596% | 4,221 |
| Total domestic deposits to total assets | 87.2266% | 2,510 |
| Equity capital to assets | 11.3201% | 2,844 |
| Core capital (leverage) ratio | 11.4545% | 2,058 |
| Tier 1 risk-based capital ratio | 13.0809% | 5,037 |
| Total risk-based capital ratio | 14.3397% | 5,006 |
| Memoranda: | ||
| Average total assets | $1,020,903,000 | 653 |
| Average earning assets | $956,286,500 | 628 |
| Average equity | $118,863,000 | 587 |
| Average total loans | $660,588,250 | 631 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1115% | 2,625 |
| Cost of funding earning assets | 0.1400% | 7,444 |
| Net interest margin | 4.9715% | 412 |
| Noninterest income to average assets | 0.8287% | 1,896 |
| Noninterest expense to average assets | 4.0276% | 1,007 |
| Loan and lease loss provision to assets | 0.1008% | 5,055 |
| Net operating income to assets | 0.8008% | 3,070 |
| Return on assets (ROA) | 0.7809% | 3,281 |
| Pretax return on assets | 1.3239% | 2,066 |
| Return on Equity (ROE) | 6.6405% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.6405% | 2,057 |
| Net charge-offs to loans | -0.1794% | 7,277 |
| Credit loss provision to net charge-offs | -87.5000% | 6,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9548% | 3,547 |
| Assets per employee ($millions) | 5.9543% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4169% | 1,561 |
| Loan loss allowance to noncurrent loans | 130.5706% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 1.2088% | 4,474 |
| Noncurrent loans to loans | 1.8510% | 3,678 |
| Net loans and leases to total assets | 61.9819% | 3,889 |
| Net loans and leases to deposits | 71.3899% | 4,218 |
| Net loans and leases to core deposits | 73.2669% | 4,676 |
| Total domestic deposits to total assets | 86.8217% | 2,841 |
| Equity capital to assets | 11.7839% | 2,257 |
| Core capital (leverage) ratio | 12.2978% | 1,456 |
| Tier 1 risk-based capital ratio | 14.2730% | 3,961 |
| Total risk-based capital ratio | 15.5330% | 3,928 |
| Memoranda: | ||
| Average total assets | $999,609,330 | 673 |
| Average earning assets | $935,895,670 | 647 |
| Average equity | $117,551,000 | 594 |
| Average total loans | $642,045,000 | 662 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0498% | 2,855 |
| Cost of funding earning assets | 0.1673% | 7,502 |
| Net interest margin | 4.8825% | 482 |
| Noninterest income to average assets | 1.0246% | 1,255 |
| Noninterest expense to average assets | 4.1315% | 889 |
| Loan and lease loss provision to assets | 0.2812% | 2,903 |
| Net operating income to assets | 0.7606% | 3,218 |
| Return on assets (ROA) | 0.7365% | 3,407 |
| Pretax return on assets | 1.1607% | 2,513 |
| Return on Equity (ROE) | 6.2698% | 3,743 |
| Retained earnings to average equity (ytd only) | 6.2698% | 2,482 |
| Net charge-offs to loans | 0.7055% | 1,806 |
| Credit loss provision to net charge-offs | 61.6889% | 3,519 |
| Earnings coverage of net charge-offs (x) | 3.2462% | 2,805 |
| Efficiency ratio | 73.0758% | 3,665 |
| Assets per employee ($millions) | 5.8596% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2718% | 1,814 |
| Loan loss allowance to noncurrent loans | 104.2015% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.4203% | 4,148 |
| Noncurrent loans to loans | 2.1802% | 3,344 |
| Net loans and leases to total assets | 62.1000% | 3,835 |
| Net loans and leases to deposits | 73.2100% | 3,889 |
| Net loans and leases to core deposits | 76.0414% | 4,299 |
| Total domestic deposits to total assets | 84.8244% | 4,120 |
| Equity capital to assets | 11.9488% | 1,949 |
| Core capital (leverage) ratio | 11.4586% | 1,871 |
| Tier 1 risk-based capital ratio | 14.3849% | 3,817 |
| Total risk-based capital ratio | 15.6424% | 3,773 |
| Memoranda: | ||
| Average total assets | $987,344,500 | 681 |
| Average earning assets | $927,483,000 | 655 |
| Average equity | $115,984,500 | 596 |
| Average total loans | $637,816,000 | 671 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3557% | 2,870 |
| Cost of funding earning assets | 0.2368% | 7,533 |
| Net interest margin | 5.1189% | 340 |
| Noninterest income to average assets | 0.7531% | 2,523 |
| Noninterest expense to average assets | 4.3498% | 765 |
| Loan and lease loss provision to assets | 0.4852% | 3,234 |
| Net operating income to assets | 0.4552% | 4,289 |
| Return on assets (ROA) | 0.4677% | 4,404 |
| Pretax return on assets | 0.6826% | 4,039 |
| Return on Equity (ROE) | 3.7650% | 4,626 |
| Retained earnings to average equity (ytd only) | 3.7650% | 3,232 |
| Net charge-offs to loans | 0.8590% | 2,482 |
| Credit loss provision to net charge-offs | 85.4626% | 5,319 |
| Earnings coverage of net charge-offs (x) | 2.0250% | 4,217 |
| Efficiency ratio | 78.5604% | 2,604 |
| Assets per employee ($millions) | 5.8252% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2523% | 1,771 |
| Loan loss allowance to noncurrent loans | 87.6977% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 2.3570% | 2,910 |
| Noncurrent loans to loans | 2.5682% | 2,959 |
| Net loans and leases to total assets | 64.1699% | 3,837 |
| Net loans and leases to deposits | 74.4761% | 4,120 |
| Net loans and leases to core deposits | 76.8891% | 4,598 |
| Total domestic deposits to total assets | 86.1617% | 3,273 |
| Equity capital to assets | 11.5467% | 2,223 |
| Core capital (leverage) ratio | 11.9288% | 1,602 |
| Tier 1 risk-based capital ratio | 14.2239% | 3,727 |
| Total risk-based capital ratio | 15.4833% | 3,674 |
| Memoranda: | ||
| Average total assets | $909,965,800 | 741 |
| Average earning assets | $843,740,600 | 724 |
| Average equity | $113,041,800 | 596 |
| Average total loans | $601,425,800 | 742 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3693% | 3,032 |
| Cost of funding earning assets | 0.2615% | 7,652 |
| Net interest margin | 5.1078% | 347 |
| Noninterest income to average assets | 0.7147% | 2,740 |
| Noninterest expense to average assets | 4.2836% | 757 |
| Loan and lease loss provision to assets | 0.3755% | 3,636 |
| Net operating income to assets | 0.5307% | 4,181 |
| Return on assets (ROA) | 0.5475% | 4,269 |
| Pretax return on assets | 0.8004% | 3,900 |
| Return on Equity (ROE) | 4.3223% | 4,633 |
| Retained earnings to average equity (ytd only) | 4.3223% | 3,457 |
| Net charge-offs to loans | 0.7951% | 2,459 |
| Credit loss provision to net charge-offs | 71.3147% | 5,381 |
| Earnings coverage of net charge-offs (x) | 2.1864% | 4,084 |
| Efficiency ratio | 78.2731% | 2,589 |
| Assets per employee ($millions) | 5.7373% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3828% | 1,497 |
| Loan loss allowance to noncurrent loans | 73.2397% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 3.0041% | 2,417 |
| Noncurrent loans to loans | 3.2534% | 2,437 |
| Net loans and leases to total assets | 62.6320% | 4,401 |
| Net loans and leases to deposits | 72.6865% | 4,740 |
| Net loans and leases to core deposits | 75.2265% | 5,152 |
| Total domestic deposits to total assets | 86.1674% | 2,996 |
| Equity capital to assets | 12.2621% | 2,004 |
| Core capital (leverage) ratio | 12.6893% | 1,339 |
| Tier 1 risk-based capital ratio | 15.0879% | 3,209 |
| Total risk-based capital ratio | 16.3471% | 3,191 |
| Memoranda: | ||
| Average total assets | $889,887,750 | 757 |
| Average earning assets | $822,328,500 | 738 |
| Average equity | $112,716,250 | 589 |
| Average total loans | $589,256,750 | 764 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3903% | 3,013 |
| Cost of funding earning assets | 0.2932% | 7,716 |
| Net interest margin | 5.0970% | 345 |
| Noninterest income to average assets | 0.7295% | 2,522 |
| Noninterest expense to average assets | 4.4105% | 641 |
| Loan and lease loss provision to assets | 0.5174% | 2,725 |
| Net operating income to assets | 0.4010% | 4,749 |
| Return on assets (ROA) | 0.4303% | 4,781 |
| Pretax return on assets | 0.5510% | 4,737 |
| Return on Equity (ROE) | 3.3587% | 5,075 |
| Retained earnings to average equity (ytd only) | 3.3587% | 3,971 |
| Net charge-offs to loans | 1.1207% | 1,694 |
| Credit loss provision to net charge-offs | 68.9466% | 4,996 |
| Earnings coverage of net charge-offs (x) | 1.3737% | 4,456 |
| Efficiency ratio | 80.4952% | 2,368 |
| Assets per employee ($millions) | 5.8337% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4198% | 1,409 |
| Loan loss allowance to noncurrent loans | 65.6858% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 3.2448% | 2,170 |
| Noncurrent loans to loans | 3.6839% | 2,124 |
| Net loans and leases to total assets | 63.2954% | 4,394 |
| Net loans and leases to deposits | 73.3572% | 4,781 |
| Net loans and leases to core deposits | 77.1725% | 5,066 |
| Total domestic deposits to total assets | 86.2839% | 2,934 |
| Equity capital to assets | 12.3716% | 1,885 |
| Core capital (leverage) ratio | 13.0417% | 1,194 |
| Tier 1 risk-based capital ratio | 15.2235% | 3,051 |
| Total risk-based capital ratio | 16.4843% | 3,000 |
| Memoranda: | ||
| Average total assets | $872,879,330 | 771 |
| Average earning assets | $806,899,670 | 752 |
| Average equity | $111,829,670 | 590 |
| Average total loans | $584,443,000 | 777 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4537% | 2,810 |
| Cost of funding earning assets | 0.3306% | 7,806 |
| Net interest margin | 5.1232% | 331 |
| Noninterest income to average assets | 0.7127% | 2,516 |
| Noninterest expense to average assets | 4.5423% | 554 |
| Loan and lease loss provision to assets | 0.5563% | 2,278 |
| Net operating income to assets | 0.2711% | 5,417 |
| Return on assets (ROA) | 0.3289% | 5,302 |
| Pretax return on assets | 0.4383% | 5,168 |
| Return on Equity (ROE) | 2.5205% | 5,550 |
| Retained earnings to average equity (ytd only) | 2.5205% | 4,619 |
| Net charge-offs to loans | 0.7640% | 1,980 |
| Credit loss provision to net charge-offs | 106.9557% | 3,214 |
| Earnings coverage of net charge-offs (x) | 1.7642% | 3,677 |
| Efficiency ratio | 82.6177% | 2,189 |
| Assets per employee ($millions) | 5.3015% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6478% | 1,129 |
| Loan loss allowance to noncurrent loans | 117.0374% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 2.3105% | 3,134 |
| Noncurrent loans to loans | 2.2624% | 3,440 |
| Net loans and leases to total assets | 66.2257% | 3,800 |
| Net loans and leases to deposits | 77.3590% | 4,155 |
| Net loans and leases to core deposits | 81.3386% | 4,577 |
| Total domestic deposits to total assets | 85.6083% | 3,360 |
| Equity capital to assets | 13.0115% | 1,522 |
| Core capital (leverage) ratio | 13.1740% | 1,165 |
| Tier 1 risk-based capital ratio | 15.6694% | 2,796 |
| Total risk-based capital ratio | 16.9305% | 2,738 |
| Memoranda: | ||
| Average total assets | $851,374,500 | 809 |
| Average earning assets | $788,889,500 | 786 |
| Average equity | $111,089,500 | 595 |
| Average total loans | $579,618,500 | 801 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5299% | 3,988 |
| Cost of funding earning assets | 0.7191% | 7,663 |
| Net interest margin | 4.8108% | 677 |
| Noninterest income to average assets | 1.2196% | 1,023 |
| Noninterest expense to average assets | 4.2762% | 1,015 |
| Loan and lease loss provision to assets | 1.1336% | 2,012 |
| Net operating income to assets | 0.3471% | 4,332 |
| Return on assets (ROA) | 0.3471% | 4,427 |
| Pretax return on assets | 0.2797% | 4,820 |
| Return on Equity (ROE) | 2.7786% | 4,599 |
| Retained earnings to average equity (ytd only) | 2.7786% | 3,216 |
| Net charge-offs to loans | 1.8908% | 1,312 |
| Credit loss provision to net charge-offs | 83.7506% | 6,199 |
| Earnings coverage of net charge-offs (x) | 1.0441% | 5,068 |
| Efficiency ratio | 74.6556% | 3,770 |
| Assets per employee ($millions) | 5.1457% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6771% | 1,040 |
| Loan loss allowance to noncurrent loans | 90.5045% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 2.7867% | 2,509 |
| Noncurrent loans to loans | 2.9580% | 2,601 |
| Net loans and leases to total assets | 66.3106% | 4,077 |
| Net loans and leases to deposits | 77.4770% | 4,476 |
| Net loans and leases to core deposits | 84.6768% | 5,658 |
| Total domestic deposits to total assets | 85.5875% | 3,235 |
| Equity capital to assets | 13.0857% | 1,477 |
| Core capital (leverage) ratio | 13.0154% | 1,249 |
| Tier 1 risk-based capital ratio | 15.8483% | 2,587 |
| Total risk-based capital ratio | 17.1110% | 2,514 |
| Memoranda: | ||
| Average total assets | $867,505,000 | 782 |
| Average earning assets | $806,015,000 | 755 |
| Average equity | $108,365,800 | 603 |
| Average total loans | $621,006,000 | 752 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5692% | 4,039 |
| Cost of funding earning assets | 0.8033% | 7,689 |
| Net interest margin | 4.7659% | 729 |
| Noninterest income to average assets | 1.2582% | 979 |
| Noninterest expense to average assets | 4.1486% | 1,082 |
| Loan and lease loss provision to assets | 1.3551% | 1,423 |
| Net operating income to assets | 0.1873% | 5,203 |
| Return on assets (ROA) | 0.1873% | 5,273 |
| Pretax return on assets | 0.1898% | 5,325 |
| Return on Equity (ROE) | 1.5169% | 5,328 |
| Retained earnings to average equity (ytd only) | 1.5169% | 4,464 |
| Net charge-offs to loans | 2.0936% | 931 |
| Credit loss provision to net charge-offs | 89.3778% | 5,498 |
| Earnings coverage of net charge-offs (x) | 1.0189% | 5,032 |
| Efficiency ratio | 72.3563% | 4,180 |
| Assets per employee ($millions) | 5.1531% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8393% | 758 |
| Loan loss allowance to noncurrent loans | 58.5547% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 3.8426% | 1,680 |
| Noncurrent loans to loans | 4.8490% | 1,398 |
| Net loans and leases to total assets | 66.5937% | 4,282 |
| Net loans and leases to deposits | 78.3077% | 4,699 |
| Net loans and leases to core deposits | 86.4323% | 5,825 |
| Total domestic deposits to total assets | 85.0410% | 3,216 |
| Equity capital to assets | 12.9945% | 1,702 |
| Core capital (leverage) ratio | 12.7095% | 1,494 |
| Tier 1 risk-based capital ratio | 15.7161% | 2,735 |
| Total risk-based capital ratio | 16.9808% | 2,659 |
| Memoranda: | ||
| Average total assets | $873,406,000 | 785 |
| Average earning assets | $812,808,500 | 762 |
| Average equity | $107,849,750 | 617 |
| Average total loans | $632,510,250 | 756 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6755% | 3,689 |
| Cost of funding earning assets | 0.8767% | 7,723 |
| Net interest margin | 4.7989% | 653 |
| Noninterest income to average assets | 1.6248% | 561 |
| Noninterest expense to average assets | 4.2010% | 1,070 |
| Loan and lease loss provision to assets | 1.8805% | 872 |
| Net operating income to assets | 0.0770% | 5,631 |
| Return on assets (ROA) | 0.0770% | 5,724 |
| Pretax return on assets | 0.0151% | 5,832 |
| Return on Equity (ROE) | 0.6336% | 5,745 |
| Retained earnings to average equity (ytd only) | 0.6336% | 4,938 |
| Net charge-offs to loans | 2.5240% | 680 |
| Credit loss provision to net charge-offs | 101.1778% | 4,515 |
| Earnings coverage of net charge-offs (x) | 1.0199% | 4,766 |
| Efficiency ratio | 68.4631% | 5,078 |
| Assets per employee ($millions) | 5.1173% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8752% | 631 |
| Loan loss allowance to noncurrent loans | 64.1141% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 3.5469% | 1,753 |
| Noncurrent loans to loans | 4.4845% | 1,435 |
| Net loans and leases to total assets | 70.8934% | 3,490 |
| Net loans and leases to deposits | 82.9609% | 4,048 |
| Net loans and leases to core deposits | 91.2144% | 5,426 |
| Total domestic deposits to total assets | 85.4539% | 3,039 |
| Equity capital to assets | 12.9519% | 1,713 |
| Core capital (leverage) ratio | 12.4243% | 1,646 |
| Tier 1 risk-based capital ratio | 15.2697% | 2,895 |
| Total risk-based capital ratio | 16.5358% | 2,827 |
| Memoranda: | ||
| Average total assets | $886,271,670 | 794 |
| Average earning assets | $825,859,330 | 768 |
| Average equity | $107,640,000 | 626 |
| Average total loans | $652,621,670 | 755 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5942% | 4,395 |
| Cost of funding earning assets | 0.9724% | 7,716 |
| Net interest margin | 4.6218% | 906 |
| Noninterest income to average assets | 2.0557% | 350 |
| Noninterest expense to average assets | 4.0892% | 1,078 |
| Loan and lease loss provision to assets | 1.8734% | 654 |
| Net operating income to assets | 0.3218% | 5,206 |
| Return on assets (ROA) | 0.3218% | 5,377 |
| Pretax return on assets | 0.4132% | 5,352 |
| Return on Equity (ROE) | 2.7316% | 5,484 |
| Retained earnings to average equity (ytd only) | 2.7316% | 4,369 |
| Net charge-offs to loans | 2.3945% | 602 |
| Credit loss provision to net charge-offs | 105.8286% | 3,596 |
| Earnings coverage of net charge-offs (x) | 1.2917% | 4,093 |
| Efficiency ratio | 63.7043% | 5,743 |
| Assets per employee ($millions) | 5.2173% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6784% | 640 |
| Loan loss allowance to noncurrent loans | 71.1671% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 3.2060% | 1,727 |
| Noncurrent loans to loans | 3.7635% | 1,644 |
| Net loans and leases to total assets | 72.2692% | 3,184 |
| Net loans and leases to deposits | 84.5025% | 3,896 |
| Net loans and leases to core deposits | 93.6152% | 5,197 |
| Total domestic deposits to total assets | 85.5231% | 2,957 |
| Equity capital to assets | 12.1830% | 2,150 |
| Core capital (leverage) ratio | 11.8447% | 1,977 |
| Tier 1 risk-based capital ratio | 14.2278% | 3,460 |
| Total risk-based capital ratio | 15.4921% | 3,389 |
| Memoranda: | ||
| Average total assets | $914,907,500 | 769 |
| Average earning assets | $855,167,500 | 739 |
| Average equity | $107,774,500 | 622 |
| Average total loans | $676,380,500 | 736 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6278% | 324 |
| Cost of funding earning assets | 1.6663% | 7,329 |
| Net interest margin | 5.9616% | 112 |
| Noninterest income to average assets | 1.1405% | 1,192 |
| Noninterest expense to average assets | 4.4383% | 920 |
| Loan and lease loss provision to assets | 3.6506% | 204 |
| Net operating income to assets | -0.7337% | 7,087 |
| Return on assets (ROA) | -0.6792% | 6,954 |
| Pretax return on assets | -1.3585% | 7,191 |
| Return on Equity (ROE) | -6.6730% | 7,016 |
| Retained earnings to average equity (ytd only) | -6.6730% | 6,749 |
| Net charge-offs to loans | 3.1648% | 273 |
| Credit loss provision to net charge-offs | 141.0077% | 3,762 |
| Earnings coverage of net charge-offs (x) | 0.8524% | 5,716 |
| Efficiency ratio | 66.3404% | 5,053 |
| Assets per employee ($millions) | 5.5444% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4786% | 696 |
| Loan loss allowance to noncurrent loans | 105.8813% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.8391% | 2,685 |
| Noncurrent loans to loans | 2.3410% | 2,356 |
| Net loans and leases to total assets | 71.7978% | 3,631 |
| Net loans and leases to deposits | 85.2421% | 4,218 |
| Net loans and leases to core deposits | 92.3250% | 5,604 |
| Total domestic deposits to total assets | 84.2281% | 3,209 |
| Equity capital to assets | 11.4049% | 2,696 |
| Core capital (leverage) ratio | 12.0279% | 1,952 |
| Tier 1 risk-based capital ratio | 13.0730% | 4,072 |
| Total risk-based capital ratio | 14.3357% | 3,973 |
| Memoranda: | ||
| Average total assets | $833,320,400 | 814 |
| Average earning assets | $769,446,200 | 804 |
| Average equity | $84,818,800 | 785 |
| Average total loans | $681,693,200 | 701 |