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Bridge Bank, Performance and Condition Ratios

2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8898%716
Cost of funding earning assets0.0627%6,319
Net interest margin4.8272%333
Noninterest income to average assets0.6650%2,336
Noninterest expense to average assets3.4917%1,328
Loan and lease loss provision to assets0.0007%3,700
Net operating income to assets1.0017%2,265
Return on assets (ROA)1.0442%2,200
Pretax return on assets1.8341%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)NANA
Efficiency ratio65.9643%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 loans1.5629%2,180
Loan loss allowance to noncurrent loans154.3370%2,731
Noncurrent assets plus other real estate owned to assets0.7305%3,301
Noncurrent loans to loans1.0127%2,738
Net loans and leases to total assets70.8932%2,004
Net loans and leases to deposits79.6451%2,602
Net loans and leases to core deposits80.5024%3,104
Total domestic deposits to total assets89.0113%1,262
Equity capital to assets10.0565%4,086
Core capital (leverage) ratio9.9361%3,689
Tier 1 risk-based capital ratio10.5287%6,003
Total risk-based capital ratio11.7832%5,938
Memoranda:
Average total assets$1,844,135,000406
Average earning assets$1,755,480,000394
Average equity$185,378,500447
Average total loans$1,329,061,000382
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9492%851
Cost of funding earning assets0.0732%6,390
Net interest margin4.8760%372
Noninterest income to average assets0.7843%1,935
Noninterest expense to average assets3.3946%1,709
Loan and lease loss provision to assets0.1983%1,281
Net operating income to assets1.0721%2,082
Return on assets (ROA)1.0723%2,132
Pretax return on assets1.8094%779
Return on Equity (ROE)10.6100%1,856
Retained earnings to average equity (ytd only)10.6100%430
Net charge-offs to loans0.2233%1,880
Credit loss provision to net charge-offs126.4015%1,894
Earnings coverage of net charge-offs (x)12.7932%2,339
Efficiency ratio62.3594%4,854
Assets per employee ($millions)6.9629%863
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.5988%2,093
Loan loss allowance to noncurrent loans265.8220%1,798
Noncurrent assets plus other real estate owned to assets0.4351%4,370
Noncurrent loans to loans0.6015%3,866
Net loans and leases to total assets70.9693%2,081
Net loans and leases to deposits81.9765%2,474
Net loans and leases to core deposits82.6390%3,035
Total domestic deposits to total assets86.5727%2,527
Equity capital to assets10.0480%4,045
Core capital (leverage) ratio9.8946%3,718
Tier 1 risk-based capital ratio11.1282%5,853
Total risk-based capital ratio12.3802%5,793
Memoranda:
Average total assets$1,682,441,800422
Average earning assets$1,593,315,200408
Average equity$170,038,400466
Average total loans$1,182,225,000398
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0778%677
Cost of funding earning assets0.0766%6,464
Net interest margin5.0012%296
Noninterest income to average assets0.8311%1,771
Noninterest expense to average assets3.4301%1,590
Loan and lease loss provision to assets0.2735%759
Net operating income to assets1.1086%1,993
Return on assets (ROA)1.1088%2,054
Pretax return on assets1.8558%790
Return on Equity (ROE)10.9539%1,805
Retained earnings to average equity (ytd only)10.9539%521
Net charge-offs to loans0.2902%1,358
Credit loss provision to net charge-offs135.0758%1,726
Earnings coverage of net charge-offs (x)10.5156%2,531
Efficiency ratio61.2262%5,000
Assets per employee ($millions)7.0264%798
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.7323%1,877
Loan loss allowance to noncurrent loans252.1193%1,804
Noncurrent assets plus other real estate owned to assets0.4768%4,465
Noncurrent loans to loans0.6871%3,891
Net loans and leases to total assets67.9996%2,531
Net loans and leases to deposits76.6794%3,107
Net loans and leases to core deposits77.2777%3,609
Total domestic deposits to total assets88.6805%1,410
Equity capital to assets10.0205%4,142
Core capital (leverage) ratio10.2313%3,369
Tier 1 risk-based capital ratio11.4768%5,799
Total risk-based capital ratio12.7299%5,733
Memoranda:
Average total assets$1,650,464,000428
Average earning assets$1,560,218,000412
Average equity$167,072,000468
Average total loans$1,151,364,000406
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0295%711
Cost of funding earning assets0.0827%6,519
Net interest margin4.9469%316
Noninterest income to average assets0.8151%1,783
Noninterest expense to average assets3.4947%1,482
Loan and lease loss provision to assets0.2622%805
Net operating income to assets1.0478%2,127
Return on assets (ROA)1.0482%2,197
Pretax return on assets1.7355%955
Return on Equity (ROE)10.3176%2,004
Retained earnings to average equity (ytd only)10.3176%647
Net charge-offs to loans0.1467%2,211
Credit loss provision to net charge-offs255.3679%975
Earnings coverage of net charge-offs (x)19.4536%1,627
Efficiency ratio63.1505%4,830
Assets per employee ($millions)6.7196%912
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.8239%1,782
Loan loss allowance to noncurrent loans166.3902%2,493
Noncurrent assets plus other real estate owned to assets0.7948%3,581
Noncurrent loans to loans1.0961%3,037
Net loans and leases to total assets71.0573%1,911
Net loans and leases to deposits80.0818%2,504
Net loans and leases to core deposits80.7804%3,120
Total domestic deposits to total assets88.7308%1,513
Equity capital to assets10.4344%3,524
Core capital (leverage) ratio10.3160%3,190
Tier 1 risk-based capital ratio11.1864%5,965
Total risk-based capital ratio12.4404%5,903
Memoranda:
Average total assets$1,615,088,000437
Average earning assets$1,526,857,330416
Average equity$164,089,330472
Average total loans$1,129,974,330412
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8907%885
Cost of funding earning assets0.0919%6,583
Net interest margin4.7988%380
Noninterest income to average assets0.6775%2,307
Noninterest expense to average assets3.4300%1,631
Loan and lease loss provision to assets0.1292%1,880
Net operating income to assets0.9910%2,240
Return on assets (ROA)0.9918%2,295
Pretax return on assets1.6616%1,046
Return on Equity (ROE)9.8974%2,083
Retained earnings to average equity (ytd only)9.8974%992
Net charge-offs to loans-0.0795%6,027
Credit loss provision to net charge-offs-236.3636%4,992
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.2097%4,657
Assets per employee ($millions)6.8759%851
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.8348%1,947
Loan loss allowance to noncurrent loans176.7469%2,322
Noncurrent assets plus other real estate owned to assets0.7339%3,920
Noncurrent loans to loans1.0381%3,348
Net loans and leases to total assets69.2607%2,024
Net loans and leases to deposits77.9747%2,563
Net loans and leases to core deposits78.7274%3,119
Total domestic deposits to total assets88.8246%1,766
Equity capital to assets10.1593%3,654
Core capital (leverage) ratio10.2524%3,218
Tier 1 risk-based capital ratio10.9286%6,180
Total risk-based capital ratio12.1825%6,136
Memoranda:
Average total assets$1,609,559,500441
Average earning assets$1,523,456,000419
Average equity$161,295,000476
Average total loans$1,106,481,500417
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1881%653
Cost of funding earning assets0.1084%6,653
Net interest margin5.0797%271
Noninterest income to average assets0.8712%1,781
Noninterest expense to average assets3.5389%1,569
Loan and lease loss provision to assets0.4019%743
Net operating income to assets1.0221%2,238
Return on assets (ROA)1.0576%2,165
Pretax return on assets1.7726%806
Return on Equity (ROE)10.2190%2,024
Retained earnings to average equity (ytd only)10.2190%523
Net charge-offs to loans0.4109%1,635
Credit loss provision to net charge-offs143.4879%1,623
Earnings coverage of net charge-offs (x)7.5649%2,814
Efficiency ratio62.0626%5,200
Assets per employee ($millions)6.8225%835
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.8807%1,829
Loan loss allowance to noncurrent loans133.4965%2,913
Noncurrent assets plus other real estate owned to assets0.9447%3,540
Noncurrent loans to loans1.4088%2,786
Net loans and leases to total assets65.6608%2,741
Net loans and leases to deposits73.8384%3,286
Net loans and leases to core deposits74.8857%3,747
Total domestic deposits to total assets88.9250%1,679
Equity capital to assets9.8817%3,923
Core capital (leverage) ratio10.0586%3,489
Tier 1 risk-based capital ratio10.9978%6,172
Total risk-based capital ratio12.2519%6,117
Memoranda:
Average total assets$1,447,275,200466
Average earning assets$1,363,792,000449
Average equity$149,789,800490
Average total loans$986,699,800434
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2085%631
Cost of funding earning assets0.1110%6,744
Net interest margin5.0975%260
Noninterest income to average assets0.8858%1,805
Noninterest expense to average assets3.5289%1,548
Loan and lease loss provision to assets0.5743%436
Net operating income to assets0.9303%2,686
Return on assets (ROA)0.9790%2,575
Pretax return on assets1.6519%1,208
Return on Equity (ROE)9.3394%2,466
Retained earnings to average equity (ytd only)9.3394%953
Net charge-offs to loans0.6947%863
Credit loss provision to net charge-offs120.6204%1,954
Earnings coverage of net charge-offs (x)4.5158%3,422
Efficiency ratio61.7175%5,174
Assets per employee ($millions)6.4131%964
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.9269%1,915
Loan loss allowance to noncurrent loans125.2221%2,919
Noncurrent assets plus other real estate owned to assets1.0552%3,541
Noncurrent loans to loans1.5388%2,857
Net loans and leases to total assets67.1222%2,440
Net loans and leases to deposits75.9388%2,973
Net loans and leases to core deposits77.1185%3,484
Total domestic deposits to total assets88.3898%1,901
Equity capital to assets10.3143%3,486
Core capital (leverage) ratio10.2051%3,393
Tier 1 risk-based capital ratio11.8406%5,881
Total risk-based capital ratio13.0956%5,826
Memoranda:
Average total assets$1,408,274,000482
Average earning assets$1,324,191,250470
Average equity$147,629,250498
Average total loans$965,148,750440
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1140%756
Cost of funding earning assets0.1113%6,801
Net interest margin5.0027%308
Noninterest income to average assets0.9809%1,579
Noninterest expense to average assets3.4882%1,630
Loan and lease loss provision to assets0.8928%216
Net operating income to assets0.7552%3,536
Return on assets (ROA)0.8294%3,304
Pretax return on assets1.4177%1,867
Return on Equity (ROE)7.8671%3,158
Retained earnings to average equity (ytd only)7.8671%1,541
Net charge-offs to loans1.1633%501
Credit loss provision to net charge-offs111.9211%1,986
Earnings coverage of net charge-offs (x)2.7511%3,596
Efficiency ratio60.9517%5,340
Assets per employee ($millions)6.6870%833
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.9160%2,072
Loan loss allowance to noncurrent loans118.0322%3,047
Noncurrent assets plus other real estate owned to assets1.1056%3,516
Noncurrent loans to loans1.6233%2,873
Net loans and leases to total assets66.6768%2,472
Net loans and leases to deposits75.2031%2,990
Net loans and leases to core deposits76.4354%3,491
Total domestic deposits to total assets88.6623%1,799
Equity capital to assets10.2179%3,645
Core capital (leverage) ratio10.1790%3,262
Tier 1 risk-based capital ratio11.6430%6,035
Total risk-based capital ratio12.8977%5,983
Memoranda:
Average total assets$1,386,026,330488
Average earning assets$1,302,664,670470
Average equity$146,126,670506
Average total loans$950,359,670445
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0870%760
Cost of funding earning assets0.1097%6,891
Net interest margin4.9774%305
Noninterest income to average assets0.8904%1,789
Noninterest expense to average assets3.4556%1,711
Loan and lease loss provision to assets0.2373%1,534
Net operating income to assets1.0956%1,872
Return on assets (ROA)1.0956%1,980
Pretax return on assets1.8740%770
Return on Equity (ROE)10.2208%1,987
Retained earnings to average equity (ytd only)10.2208%1,053
Net charge-offs to loans0.0668%3,160
Credit loss provision to net charge-offs515.4839%514
Earnings coverage of net charge-offs (x)45.8645%717
Efficiency ratio61.5824%5,361
Assets per employee ($millions)6.1864%1,143
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.0052%2,027
Loan loss allowance to noncurrent loans198.7590%1,916
Noncurrent assets plus other real estate owned to assets0.7133%4,590
Noncurrent loans to loans1.0089%4,112
Net loans and leases to total assets69.0630%1,835
Net loans and leases to deposits78.3864%2,288
Net loans and leases to core deposits79.6747%2,847
Total domestic deposits to total assets88.1058%2,255
Equity capital to assets10.9121%3,061
Core capital (leverage) ratio10.8779%2,368
Tier 1 risk-based capital ratio11.9389%5,951
Total risk-based capital ratio13.1947%5,913
Memoranda:
Average total assets$1,346,816,000498
Average earning assets$1,265,411,500484
Average equity$144,372,000521
Average total loans$927,779,500454
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4883%635
Cost of funding earning assets0.1003%6,998
Net interest margin5.3880%200
Noninterest income to average assets0.8321%2,114
Noninterest expense to average assets3.7429%1,336
Loan and lease loss provision to assets0.3122%2,194
Net operating income to assets1.0827%1,999
Return on assets (ROA)1.0997%2,123
Pretax return on assets1.8650%803
Return on Equity (ROE)10.0045%2,166
Retained earnings to average equity (ytd only)10.0045%599
Net charge-offs to loans0.3025%3,133
Credit loss provision to net charge-offs149.0952%1,830
Earnings coverage of net charge-offs (x)10.2703%2,154
Efficiency ratio63.1327%5,054
Assets per employee ($millions)6.4976%1,003
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.0346%1,931
Loan loss allowance to noncurrent loans184.7597%1,968
Noncurrent assets plus other real estate owned to assets0.7517%4,590
Noncurrent loans to loans1.1012%4,000
Net loans and leases to total assets65.9242%2,538
Net loans and leases to deposits74.8122%2,988
Net loans and leases to core deposits75.8845%3,548
Total domestic deposits to total assets88.1196%2,156
Equity capital to assets10.5264%3,498
Core capital (leverage) ratio10.6522%2,594
Tier 1 risk-based capital ratio11.8207%5,893
Total risk-based capital ratio13.0766%5,855
Memoranda:
Average total assets$1,213,927,000542
Average earning assets$1,140,345,000520
Average equity$133,439,400539
Average total loans$840,232,000488
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5580%602
Cost of funding earning assets0.0977%7,113
Net interest margin5.4603%188
Noninterest income to average assets0.7855%2,301
Noninterest expense to average assets3.7517%1,286
Loan and lease loss provision to assets0.2709%2,406
Net operating income to assets1.1094%2,054
Return on assets (ROA)1.1328%2,171
Pretax return on assets1.9235%826
Return on Equity (ROE)10.1821%2,264
Retained earnings to average equity (ytd only)10.1821%870
Net charge-offs to loans0.1940%3,568
Credit loss provision to net charge-offs200.1668%1,375
Earnings coverage of net charge-offs (x)15.9441%1,721
Efficiency ratio63.1215%4,958
Assets per employee ($millions)6.1502%1,160
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.0943%1,917
Loan loss allowance to noncurrent loans208.5140%1,712
Noncurrent assets plus other real estate owned to assets0.7171%4,893
Noncurrent loans to loans1.0044%4,446
Net loans and leases to total assets68.7766%2,157
Net loans and leases to deposits78.5667%2,588
Net loans and leases to core deposits79.7265%3,236
Total domestic deposits to total assets87.5391%2,324
Equity capital to assets11.0092%3,268
Core capital (leverage) ratio11.0460%2,334
Tier 1 risk-based capital ratio12.2315%5,817
Total risk-based capital ratio13.4883%5,785
Memoranda:
Average total assets$1,181,158,000564
Average earning assets$1,108,428,500540
Average equity$131,404,250551
Average total loans$824,015,750499
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5591%630
Cost of funding earning assets0.0926%7,191
Net interest margin5.4665%184
Noninterest income to average assets0.8014%2,171
Noninterest expense to average assets3.7590%1,275
Loan and lease loss provision to assets0.4141%1,589
Net operating income to assets1.0343%2,323
Return on assets (ROA)1.0700%2,387
Pretax return on assets1.8187%1,002
Return on Equity (ROE)9.5819%2,539
Retained earnings to average equity (ytd only)9.5819%1,089
Net charge-offs to loans0.3098%2,790
Credit loss provision to net charge-offs192.0737%1,478
Earnings coverage of net charge-offs (x)10.0985%2,094
Efficiency ratio63.0078%5,079
Assets per employee ($millions)5.8118%1,365
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.1617%1,858
Loan loss allowance to noncurrent loans198.8817%1,719
Noncurrent assets plus other real estate owned to assets0.8191%4,763
Noncurrent loans to loans1.0869%4,350
Net loans and leases to total assets71.3217%1,677
Net loans and leases to deposits82.6508%2,029
Net loans and leases to core deposits84.1790%2,666
Total domestic deposits to total assets86.2928%3,201
Equity capital to assets11.4530%2,632
Core capital (leverage) ratio11.1885%2,135
Tier 1 risk-based capital ratio12.3405%5,692
Total risk-based capital ratio13.5981%5,666
Memoranda:
Average total assets$1,158,713,000571
Average earning assets$1,088,375,670550
Average equity$129,389,330555
Average total loans$806,341,330504
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6403%584
Cost of funding earning assets0.0899%7,257
Net interest margin5.5504%168
Noninterest income to average assets0.7811%2,254
Noninterest expense to average assets3.7380%1,317
Loan and lease loss provision to assets0.6355%874
Net operating income to assets0.9515%2,684
Return on assets (ROA)1.0221%2,583
Pretax return on assets1.7267%1,239
Return on Equity (ROE)9.2722%2,696
Retained earnings to average equity (ytd only)9.2722%1,491
Net charge-offs to loans0.5019%1,831
Credit loss provision to net charge-offs186.4097%1,409
Earnings coverage of net charge-offs (x)6.6055%2,177
Efficiency ratio62.0526%5,267
Assets per employee ($millions)5.7837%1,445
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.2152%1,852
Loan loss allowance to noncurrent loans213.8754%1,547
Noncurrent assets plus other real estate owned to assets0.7872%4,974
Noncurrent loans to loans1.0357%4,618
Net loans and leases to total assets68.7634%1,976
Net loans and leases to deposits78.5473%2,411
Net loans and leases to core deposits80.2921%3,042
Total domestic deposits to total assets87.5439%2,629
Equity capital to assets11.1795%2,730
Core capital (leverage) ratio10.9090%2,338
Tier 1 risk-based capital ratio12.1885%5,832
Total risk-based capital ratio13.4462%5,799
Memoranda:
Average total assets$1,156,887,500573
Average earning assets$1,085,693,500555
Average equity$127,521,000560
Average total loans$785,844,500512
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1454%2,266
Cost of funding earning assets0.1208%7,294
Net interest margin5.0246%399
Noninterest income to average assets0.8542%1,828
Noninterest expense to average assets3.9555%1,105
Loan and lease loss provision to assets0.2033%4,150
Net operating income to assets0.8155%2,973
Return on assets (ROA)0.8423%3,022
Pretax return on assets1.4481%1,630
Return on Equity (ROE)7.3423%3,222
Retained earnings to average equity (ytd only)7.3423%1,344
Net charge-offs to loans-0.0579%7,074
Credit loss provision to net charge-offs-540.8629%6,820
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.6652%3,823
Assets per employee ($millions)5.9950%1,230
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.2640%1,685
Loan loss allowance to noncurrent loans151.4513%2,115
Noncurrent assets plus other real estate owned to assets1.0364%4,535
Noncurrent loans to loans1.4949%3,906
Net loans and leases to total assets64.0508%3,181
Net loans and leases to deposits73.0367%3,659
Net loans and leases to core deposits74.9676%4,107
Total domestic deposits to total assets87.6967%2,336
Equity capital to assets10.8660%3,125
Core capital (leverage) ratio11.1656%2,147
Tier 1 risk-based capital ratio12.2732%5,628
Total risk-based capital ratio13.5308%5,595
Memoranda:
Average total assets$1,048,129,800629
Average earning assets$982,706,000600
Average equity$120,235,200577
Average total loans$680,122,200607
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1700%2,311
Cost of funding earning assets0.1279%7,369
Net interest margin5.0422%381
Noninterest income to average assets0.8792%1,722
Noninterest expense to average assets4.0440%958
Loan and lease loss provision to assets0.2010%4,008
Net operating income to assets0.7978%3,174
Return on assets (ROA)0.8345%3,166
Pretax return on assets1.4147%1,901
Return on Equity (ROE)7.1677%3,445
Retained earnings to average equity (ytd only)7.1677%1,880
Net charge-offs to loans-0.1506%7,225
Credit loss provision to net charge-offs-206.3003%6,578
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.7410%3,605
Assets per employee ($millions)5.8956%1,270
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.3634%1,598
Loan loss allowance to noncurrent loans145.9350%2,085
Noncurrent assets plus other real estate owned to assets1.0976%4,576
Noncurrent loans to loans1.6195%3,870
Net loans and leases to total assets64.4636%3,215
Net loans and leases to deposits73.9036%3,669
Net loans and leases to core deposits75.7596%4,221
Total domestic deposits to total assets87.2266%2,510
Equity capital to assets11.3201%2,844
Core capital (leverage) ratio11.4545%2,058
Tier 1 risk-based capital ratio13.0809%5,037
Total risk-based capital ratio14.3397%5,006
Memoranda:
Average total assets$1,020,903,000653
Average earning assets$956,286,500628
Average equity$118,863,000587
Average total loans$660,588,250631
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1115%2,625
Cost of funding earning assets0.1400%7,444
Net interest margin4.9715%412
Noninterest income to average assets0.8287%1,896
Noninterest expense to average assets4.0276%1,007
Loan and lease loss provision to assets0.1008%5,055
Net operating income to assets0.8008%3,070
Return on assets (ROA)0.7809%3,281
Pretax return on assets1.3239%2,066
Return on Equity (ROE)6.6405%3,624
Retained earnings to average equity (ytd only)6.6405%2,057
Net charge-offs to loans-0.1794%7,277
Credit loss provision to net charge-offs-87.5000%6,301
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.9548%3,547
Assets per employee ($millions)5.9543%1,212
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.4169%1,561
Loan loss allowance to noncurrent loans130.5706%2,256
Noncurrent assets plus other real estate owned to assets1.2088%4,474
Noncurrent loans to loans1.8510%3,678
Net loans and leases to total assets61.9819%3,889
Net loans and leases to deposits71.3899%4,218
Net loans and leases to core deposits73.2669%4,676
Total domestic deposits to total assets86.8217%2,841
Equity capital to assets11.7839%2,257
Core capital (leverage) ratio12.2978%1,456
Tier 1 risk-based capital ratio14.2730%3,961
Total risk-based capital ratio15.5330%3,928
Memoranda:
Average total assets$999,609,330673
Average earning assets$935,895,670647
Average equity$117,551,000594
Average total loans$642,045,000662
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0498%2,855
Cost of funding earning assets0.1673%7,502
Net interest margin4.8825%482
Noninterest income to average assets1.0246%1,255
Noninterest expense to average assets4.1315%889
Loan and lease loss provision to assets0.2812%2,903
Net operating income to assets0.7606%3,218
Return on assets (ROA)0.7365%3,407
Pretax return on assets1.1607%2,513
Return on Equity (ROE)6.2698%3,743
Retained earnings to average equity (ytd only)6.2698%2,482
Net charge-offs to loans0.7055%1,806
Credit loss provision to net charge-offs61.6889%3,519
Earnings coverage of net charge-offs (x)3.2462%2,805
Efficiency ratio73.0758%3,665
Assets per employee ($millions)5.8596%1,292
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.2718%1,814
Loan loss allowance to noncurrent loans104.2015%2,760
Noncurrent assets plus other real estate owned to assets1.4203%4,148
Noncurrent loans to loans2.1802%3,344
Net loans and leases to total assets62.1000%3,835
Net loans and leases to deposits73.2100%3,889
Net loans and leases to core deposits76.0414%4,299
Total domestic deposits to total assets84.8244%4,120
Equity capital to assets11.9488%1,949
Core capital (leverage) ratio11.4586%1,871
Tier 1 risk-based capital ratio14.3849%3,817
Total risk-based capital ratio15.6424%3,773
Memoranda:
Average total assets$987,344,500681
Average earning assets$927,483,000655
Average equity$115,984,500596
Average total loans$637,816,000671
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3557%2,870
Cost of funding earning assets0.2368%7,533
Net interest margin5.1189%340
Noninterest income to average assets0.7531%2,523
Noninterest expense to average assets4.3498%765
Loan and lease loss provision to assets0.4852%3,234
Net operating income to assets0.4552%4,289
Return on assets (ROA)0.4677%4,404
Pretax return on assets0.6826%4,039
Return on Equity (ROE)3.7650%4,626
Retained earnings to average equity (ytd only)3.7650%3,232
Net charge-offs to loans0.8590%2,482
Credit loss provision to net charge-offs85.4626%5,319
Earnings coverage of net charge-offs (x)2.0250%4,217
Efficiency ratio78.5604%2,604
Assets per employee ($millions)5.8252%1,336
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.2523%1,771
Loan loss allowance to noncurrent loans87.6977%3,260
Noncurrent assets plus other real estate owned to assets2.3570%2,910
Noncurrent loans to loans2.5682%2,959
Net loans and leases to total assets64.1699%3,837
Net loans and leases to deposits74.4761%4,120
Net loans and leases to core deposits76.8891%4,598
Total domestic deposits to total assets86.1617%3,273
Equity capital to assets11.5467%2,223
Core capital (leverage) ratio11.9288%1,602
Tier 1 risk-based capital ratio14.2239%3,727
Total risk-based capital ratio15.4833%3,674
Memoranda:
Average total assets$909,965,800741
Average earning assets$843,740,600724
Average equity$113,041,800596
Average total loans$601,425,800742
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3693%3,032
Cost of funding earning assets0.2615%7,652
Net interest margin5.1078%347
Noninterest income to average assets0.7147%2,740
Noninterest expense to average assets4.2836%757
Loan and lease loss provision to assets0.3755%3,636
Net operating income to assets0.5307%4,181
Return on assets (ROA)0.5475%4,269
Pretax return on assets0.8004%3,900
Return on Equity (ROE)4.3223%4,633
Retained earnings to average equity (ytd only)4.3223%3,457
Net charge-offs to loans0.7951%2,459
Credit loss provision to net charge-offs71.3147%5,381
Earnings coverage of net charge-offs (x)2.1864%4,084
Efficiency ratio78.2731%2,589
Assets per employee ($millions)5.7373%1,433
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.3828%1,497
Loan loss allowance to noncurrent loans73.2397%3,652
Noncurrent assets plus other real estate owned to assets3.0041%2,417
Noncurrent loans to loans3.2534%2,437
Net loans and leases to total assets62.6320%4,401
Net loans and leases to deposits72.6865%4,740
Net loans and leases to core deposits75.2265%5,152
Total domestic deposits to total assets86.1674%2,996
Equity capital to assets12.2621%2,004
Core capital (leverage) ratio12.6893%1,339
Tier 1 risk-based capital ratio15.0879%3,209
Total risk-based capital ratio16.3471%3,191
Memoranda:
Average total assets$889,887,750757
Average earning assets$822,328,500738
Average equity$112,716,250589
Average total loans$589,256,750764
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3903%3,013
Cost of funding earning assets0.2932%7,716
Net interest margin5.0970%345
Noninterest income to average assets0.7295%2,522
Noninterest expense to average assets4.4105%641
Loan and lease loss provision to assets0.5174%2,725
Net operating income to assets0.4010%4,749
Return on assets (ROA)0.4303%4,781
Pretax return on assets0.5510%4,737
Return on Equity (ROE)3.3587%5,075
Retained earnings to average equity (ytd only)3.3587%3,971
Net charge-offs to loans1.1207%1,694
Credit loss provision to net charge-offs68.9466%4,996
Earnings coverage of net charge-offs (x)1.3737%4,456
Efficiency ratio80.4952%2,368
Assets per employee ($millions)5.8337%1,353
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.4198%1,409
Loan loss allowance to noncurrent loans65.6858%4,053
Noncurrent assets plus other real estate owned to assets3.2448%2,170
Noncurrent loans to loans3.6839%2,124
Net loans and leases to total assets63.2954%4,394
Net loans and leases to deposits73.3572%4,781
Net loans and leases to core deposits77.1725%5,066
Total domestic deposits to total assets86.2839%2,934
Equity capital to assets12.3716%1,885
Core capital (leverage) ratio13.0417%1,194
Tier 1 risk-based capital ratio15.2235%3,051
Total risk-based capital ratio16.4843%3,000
Memoranda:
Average total assets$872,879,330771
Average earning assets$806,899,670752
Average equity$111,829,670590
Average total loans$584,443,000777
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4537%2,810
Cost of funding earning assets0.3306%7,806
Net interest margin5.1232%331
Noninterest income to average assets0.7127%2,516
Noninterest expense to average assets4.5423%554
Loan and lease loss provision to assets0.5563%2,278
Net operating income to assets0.2711%5,417
Return on assets (ROA)0.3289%5,302
Pretax return on assets0.4383%5,168
Return on Equity (ROE)2.5205%5,550
Retained earnings to average equity (ytd only)2.5205%4,619
Net charge-offs to loans0.7640%1,980
Credit loss provision to net charge-offs106.9557%3,214
Earnings coverage of net charge-offs (x)1.7642%3,677
Efficiency ratio82.6177%2,189
Assets per employee ($millions)5.3015%1,863
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.6478%1,129
Loan loss allowance to noncurrent loans117.0374%2,368
Noncurrent assets plus other real estate owned to assets2.3105%3,134
Noncurrent loans to loans2.2624%3,440
Net loans and leases to total assets66.2257%3,800
Net loans and leases to deposits77.3590%4,155
Net loans and leases to core deposits81.3386%4,577
Total domestic deposits to total assets85.6083%3,360
Equity capital to assets13.0115%1,522
Core capital (leverage) ratio13.1740%1,165
Tier 1 risk-based capital ratio15.6694%2,796
Total risk-based capital ratio16.9305%2,738
Memoranda:
Average total assets$851,374,500809
Average earning assets$788,889,500786
Average equity$111,089,500595
Average total loans$579,618,500801
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5299%3,988
Cost of funding earning assets0.7191%7,663
Net interest margin4.8108%677
Noninterest income to average assets1.2196%1,023
Noninterest expense to average assets4.2762%1,015
Loan and lease loss provision to assets1.1336%2,012
Net operating income to assets0.3471%4,332
Return on assets (ROA)0.3471%4,427
Pretax return on assets0.2797%4,820
Return on Equity (ROE)2.7786%4,599
Retained earnings to average equity (ytd only)2.7786%3,216
Net charge-offs to loans1.8908%1,312
Credit loss provision to net charge-offs83.7506%6,199
Earnings coverage of net charge-offs (x)1.0441%5,068
Efficiency ratio74.6556%3,770
Assets per employee ($millions)5.1457%2,024
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.6771%1,040
Loan loss allowance to noncurrent loans90.5045%3,087
Noncurrent assets plus other real estate owned to assets2.7867%2,509
Noncurrent loans to loans2.9580%2,601
Net loans and leases to total assets66.3106%4,077
Net loans and leases to deposits77.4770%4,476
Net loans and leases to core deposits84.6768%5,658
Total domestic deposits to total assets85.5875%3,235
Equity capital to assets13.0857%1,477
Core capital (leverage) ratio13.0154%1,249
Tier 1 risk-based capital ratio15.8483%2,587
Total risk-based capital ratio17.1110%2,514
Memoranda:
Average total assets$867,505,000782
Average earning assets$806,015,000755
Average equity$108,365,800603
Average total loans$621,006,000752
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5692%4,039
Cost of funding earning assets0.8033%7,689
Net interest margin4.7659%729
Noninterest income to average assets1.2582%979
Noninterest expense to average assets4.1486%1,082
Loan and lease loss provision to assets1.3551%1,423
Net operating income to assets0.1873%5,203
Return on assets (ROA)0.1873%5,273
Pretax return on assets0.1898%5,325
Return on Equity (ROE)1.5169%5,328
Retained earnings to average equity (ytd only)1.5169%4,464
Net charge-offs to loans2.0936%931
Credit loss provision to net charge-offs89.3778%5,498
Earnings coverage of net charge-offs (x)1.0189%5,032
Efficiency ratio72.3563%4,180
Assets per employee ($millions)5.1531%1,966
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.8393%758
Loan loss allowance to noncurrent loans58.5547%4,450
Noncurrent assets plus other real estate owned to assets3.8426%1,680
Noncurrent loans to loans4.8490%1,398
Net loans and leases to total assets66.5937%4,282
Net loans and leases to deposits78.3077%4,699
Net loans and leases to core deposits86.4323%5,825
Total domestic deposits to total assets85.0410%3,216
Equity capital to assets12.9945%1,702
Core capital (leverage) ratio12.7095%1,494
Tier 1 risk-based capital ratio15.7161%2,735
Total risk-based capital ratio16.9808%2,659
Memoranda:
Average total assets$873,406,000785
Average earning assets$812,808,500762
Average equity$107,849,750617
Average total loans$632,510,250756
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6755%3,689
Cost of funding earning assets0.8767%7,723
Net interest margin4.7989%653
Noninterest income to average assets1.6248%561
Noninterest expense to average assets4.2010%1,070
Loan and lease loss provision to assets1.8805%872
Net operating income to assets0.0770%5,631
Return on assets (ROA)0.0770%5,724
Pretax return on assets0.0151%5,832
Return on Equity (ROE)0.6336%5,745
Retained earnings to average equity (ytd only)0.6336%4,938
Net charge-offs to loans2.5240%680
Credit loss provision to net charge-offs101.1778%4,515
Earnings coverage of net charge-offs (x)1.0199%4,766
Efficiency ratio68.4631%5,078
Assets per employee ($millions)5.1173%1,951
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.8752%631
Loan loss allowance to noncurrent loans64.1141%4,226
Noncurrent assets plus other real estate owned to assets3.5469%1,753
Noncurrent loans to loans4.4845%1,435
Net loans and leases to total assets70.8934%3,490
Net loans and leases to deposits82.9609%4,048
Net loans and leases to core deposits91.2144%5,426
Total domestic deposits to total assets85.4539%3,039
Equity capital to assets12.9519%1,713
Core capital (leverage) ratio12.4243%1,646
Tier 1 risk-based capital ratio15.2697%2,895
Total risk-based capital ratio16.5358%2,827
Memoranda:
Average total assets$886,271,670794
Average earning assets$825,859,330768
Average equity$107,640,000626
Average total loans$652,621,670755
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5942%4,395
Cost of funding earning assets0.9724%7,716
Net interest margin4.6218%906
Noninterest income to average assets2.0557%350
Noninterest expense to average assets4.0892%1,078
Loan and lease loss provision to assets1.8734%654
Net operating income to assets0.3218%5,206
Return on assets (ROA)0.3218%5,377
Pretax return on assets0.4132%5,352
Return on Equity (ROE)2.7316%5,484
Retained earnings to average equity (ytd only)2.7316%4,369
Net charge-offs to loans2.3945%602
Credit loss provision to net charge-offs105.8286%3,596
Earnings coverage of net charge-offs (x)1.2917%4,093
Efficiency ratio63.7043%5,743
Assets per employee ($millions)5.2173%1,833
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.6784%640
Loan loss allowance to noncurrent loans71.1671%4,041
Noncurrent assets plus other real estate owned to assets3.2060%1,727
Noncurrent loans to loans3.7635%1,644
Net loans and leases to total assets72.2692%3,184
Net loans and leases to deposits84.5025%3,896
Net loans and leases to core deposits93.6152%5,197
Total domestic deposits to total assets85.5231%2,957
Equity capital to assets12.1830%2,150
Core capital (leverage) ratio11.8447%1,977
Tier 1 risk-based capital ratio14.2278%3,460
Total risk-based capital ratio15.4921%3,389
Memoranda:
Average total assets$914,907,500769
Average earning assets$855,167,500739
Average equity$107,774,500622
Average total loans$676,380,500736
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.6278%324
Cost of funding earning assets1.6663%7,329
Net interest margin5.9616%112
Noninterest income to average assets1.1405%1,192
Noninterest expense to average assets4.4383%920
Loan and lease loss provision to assets3.6506%204
Net operating income to assets-0.7337%7,087
Return on assets (ROA)-0.6792%6,954
Pretax return on assets-1.3585%7,191
Return on Equity (ROE)-6.6730%7,016
Retained earnings to average equity (ytd only)-6.6730%6,749
Net charge-offs to loans3.1648%273
Credit loss provision to net charge-offs141.0077%3,762
Earnings coverage of net charge-offs (x)0.8524%5,716
Efficiency ratio66.3404%5,053
Assets per employee ($millions)5.5444%1,422
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans2.4786%696
Loan loss allowance to noncurrent loans105.8813%3,279
Noncurrent assets plus other real estate owned to assets1.8391%2,685
Noncurrent loans to loans2.3410%2,356
Net loans and leases to total assets71.7978%3,631
Net loans and leases to deposits85.2421%4,218
Net loans and leases to core deposits92.3250%5,604
Total domestic deposits to total assets84.2281%3,209
Equity capital to assets11.4049%2,696
Core capital (leverage) ratio12.0279%1,952
Tier 1 risk-based capital ratio13.0730%4,072
Total risk-based capital ratio14.3357%3,973
Memoranda:
Average total assets$833,320,400814
Average earning assets$769,446,200804
Average equity$84,818,800785
Average total loans$681,693,200701