Home > Encore Bank > Performance and Condition Ratios
Encore Bank, Performance and Condition Ratios
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 3,925 |
| Cost of funding earning assets | 1.0266% | 1,601 |
| Net interest margin | 3.4371% | 4,938 |
| Noninterest income to average assets | 1.4573% | 685 |
| Noninterest expense to average assets | 3.1541% | 2,737 |
| Loan and lease loss provision to assets | 0.1195% | 4,038 |
| Net operating income to assets | 0.8964% | 2,930 |
| Return on assets (ROA) | 0.8963% | 3,193 |
| Pretax return on assets | 1.3559% | 2,368 |
| Return on Equity (ROE) | 7.6800% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.6800% | 1,772 |
| Net charge-offs to loans | 0.2263% | 3,221 |
| Credit loss provision to net charge-offs | 79.8982% | 3,322 |
| Earnings coverage of net charge-offs (x) | 9.8626% | 2,123 |
| Efficiency ratio | 67.6397% | 4,199 |
| Assets per employee ($millions) | 6.3028% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 3,299 |
| Loan loss allowance to noncurrent loans | 196.1611% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 4,857 |
| Noncurrent loans to loans | 0.8586% | 4,792 |
| Net loans and leases to total assets | 63.4066% | 3,163 |
| Net loans and leases to deposits | 84.8013% | 1,744 |
| Net loans and leases to core deposits | 92.5106% | 1,731 |
| Total domestic deposits to total assets | 74.7708% | 6,607 |
| Equity capital to assets | 11.5321% | 2,559 |
| Core capital (leverage) ratio | 9.4383% | 4,234 |
| Tier 1 risk-based capital ratio | 13.4707% | 4,854 |
| Total risk-based capital ratio | 14.7245% | 4,806 |
| Memoranda: | ||
| Average total assets | $1,576,027,670 | 430 |
| Average earning assets | $1,454,655,330 | 421 |
| Average equity | $183,932,670 | 400 |
| Average total loans | $1,041,857,330 | 410 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5492% | 3,723 |
| Cost of funding earning assets | 1.0510% | 1,668 |
| Net interest margin | 3.4982% | 4,710 |
| Noninterest income to average assets | 1.4945% | 645 |
| Noninterest expense to average assets | 3.1693% | 2,704 |
| Loan and lease loss provision to assets | 0.1894% | 3,062 |
| Net operating income to assets | 0.8997% | 2,916 |
| Return on assets (ROA) | 0.8998% | 3,140 |
| Pretax return on assets | 1.3598% | 2,340 |
| Return on Equity (ROE) | 7.6623% | 3,424 |
| Retained earnings to average equity (ytd only) | 7.6623% | 2,102 |
| Net charge-offs to loans | 0.2794% | 2,552 |
| Credit loss provision to net charge-offs | 101.2431% | 2,272 |
| Earnings coverage of net charge-offs (x) | 8.2790% | 1,976 |
| Efficiency ratio | 66.6831% | 4,430 |
| Assets per employee ($millions) | 6.1770% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 3,280 |
| Loan loss allowance to noncurrent loans | 270.9420% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6696% | 5,223 |
| Noncurrent loans to loans | 0.6334% | 5,376 |
| Net loans and leases to total assets | 65.1070% | 2,632 |
| Net loans and leases to deposits | 87.9336% | 1,176 |
| Net loans and leases to core deposits | 95.9618% | 1,305 |
| Total domestic deposits to total assets | 74.0411% | 6,741 |
| Equity capital to assets | 11.6351% | 2,315 |
| Core capital (leverage) ratio | 9.4386% | 4,137 |
| Tier 1 risk-based capital ratio | 13.0136% | 5,209 |
| Total risk-based capital ratio | 14.2706% | 5,173 |
| Memoranda: | ||
| Average total assets | $1,547,835,000 | 435 |
| Average earning assets | $1,426,442,000 | 426 |
| Average equity | $181,773,000 | 403 |
| Average total loans | $1,036,391,500 | 407 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7758% | 3,922 |
| Cost of funding earning assets | 1.2694% | 1,634 |
| Net interest margin | 3.5064% | 5,121 |
| Noninterest income to average assets | 1.3846% | 667 |
| Noninterest expense to average assets | 3.3566% | 2,350 |
| Loan and lease loss provision to assets | 0.4935% | 2,136 |
| Net operating income to assets | 0.4982% | 4,433 |
| Return on assets (ROA) | 0.4938% | 4,666 |
| Pretax return on assets | 0.7248% | 4,238 |
| Return on Equity (ROE) | 4.1392% | 4,784 |
| Retained earnings to average equity (ytd only) | 4.1392% | 3,236 |
| Net charge-offs to loans | 0.8164% | 2,114 |
| Credit loss provision to net charge-offs | 91.5310% | 3,942 |
| Earnings coverage of net charge-offs (x) | 2.2715% | 4,087 |
| Efficiency ratio | 72.6980% | 3,448 |
| Assets per employee ($millions) | 5.8925% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 3,017 |
| Loan loss allowance to noncurrent loans | 166.5400% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.8505% | 4,922 |
| Noncurrent loans to loans | 1.0523% | 4,607 |
| Net loans and leases to total assets | 66.5162% | 2,684 |
| Net loans and leases to deposits | 90.8972% | 1,068 |
| Net loans and leases to core deposits | 99.5476% | 1,211 |
| Total domestic deposits to total assets | 73.1773% | 6,793 |
| Equity capital to assets | 11.8571% | 2,230 |
| Core capital (leverage) ratio | 9.1772% | 4,499 |
| Tier 1 risk-based capital ratio | 12.4785% | 5,468 |
| Total risk-based capital ratio | 13.7359% | 5,447 |
| Memoranda: | ||
| Average total assets | $1,469,469,800 | 455 |
| Average earning assets | $1,339,659,000 | 447 |
| Average equity | $175,298,600 | 404 |
| Average total loans | $970,505,800 | 432 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8320% | 3,870 |
| Cost of funding earning assets | 1.3144% | 1,625 |
| Net interest margin | 3.5177% | 5,113 |
| Noninterest income to average assets | 1.3428% | 725 |
| Noninterest expense to average assets | 3.3879% | 2,222 |
| Loan and lease loss provision to assets | 0.4895% | 2,029 |
| Net operating income to assets | 0.4548% | 4,749 |
| Return on assets (ROA) | 0.4489% | 4,979 |
| Pretax return on assets | 0.6558% | 4,623 |
| Return on Equity (ROE) | 3.7573% | 5,105 |
| Retained earnings to average equity (ytd only) | 3.7573% | 4,074 |
| Net charge-offs to loans | 0.8341% | 1,906 |
| Credit loss provision to net charge-offs | 89.4420% | 3,788 |
| Earnings coverage of net charge-offs (x) | 2.1086% | 4,089 |
| Efficiency ratio | 74.0116% | 3,179 |
| Assets per employee ($millions) | 5.6443% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8272% | 2,843 |
| Loan loss allowance to noncurrent loans | 99.7397% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 1.5863% | 3,711 |
| Noncurrent loans to loans | 1.8319% | 3,593 |
| Net loans and leases to total assets | 66.1831% | 2,859 |
| Net loans and leases to deposits | 91.6274% | 1,044 |
| Net loans and leases to core deposits | 100.9857% | 1,162 |
| Total domestic deposits to total assets | 72.2306% | 6,916 |
| Equity capital to assets | 12.1765% | 2,122 |
| Core capital (leverage) ratio | 8.8190% | 5,232 |
| Tier 1 risk-based capital ratio | 12.6362% | 5,381 |
| Total risk-based capital ratio | 13.8946% | 5,356 |
| Memoranda: | ||
| Average total assets | $1,458,246,500 | 458 |
| Average earning assets | $1,326,224,000 | 459 |
| Average equity | $174,233,250 | 414 |
| Average total loans | $956,816,250 | 440 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8725% | 3,746 |
| Cost of funding earning assets | 1.3308% | 1,755 |
| Net interest margin | 3.5416% | 4,962 |
| Noninterest income to average assets | 1.4203% | 635 |
| Noninterest expense to average assets | 3.3884% | 2,295 |
| Loan and lease loss provision to assets | 0.5613% | 1,723 |
| Net operating income to assets | 0.4707% | 4,640 |
| Return on assets (ROA) | 0.4616% | 4,802 |
| Pretax return on assets | 0.6723% | 4,488 |
| Return on Equity (ROE) | 3.8884% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.8884% | 3,723 |
| Net charge-offs to loans | 0.7639% | 1,970 |
| Credit loss provision to net charge-offs | 113.0182% | 2,712 |
| Earnings coverage of net charge-offs (x) | 2.5105% | 3,567 |
| Efficiency ratio | 72.5332% | 3,628 |
| Assets per employee ($millions) | 5.6813% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9672% | 2,459 |
| Loan loss allowance to noncurrent loans | 115.4613% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.6267% | 3,750 |
| Noncurrent loans to loans | 1.7038% | 3,879 |
| Net loans and leases to total assets | 65.2233% | 3,204 |
| Net loans and leases to deposits | 90.3631% | 1,231 |
| Net loans and leases to core deposits | 100.6210% | 1,291 |
| Total domestic deposits to total assets | 72.1792% | 6,993 |
| Equity capital to assets | 12.0788% | 2,042 |
| Core capital (leverage) ratio | 8.9879% | 4,743 |
| Tier 1 risk-based capital ratio | 12.3423% | 5,483 |
| Total risk-based capital ratio | 13.6021% | 5,452 |
| Memoranda: | ||
| Average total assets | $1,457,040,330 | 467 |
| Average earning assets | $1,322,619,000 | 466 |
| Average equity | $172,976,330 | 421 |
| Average total loans | $947,250,330 | 453 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8081% | 4,023 |
| Cost of funding earning assets | 1.3503% | 1,885 |
| Net interest margin | 3.4578% | 5,191 |
| Noninterest income to average assets | 1.5310% | 559 |
| Noninterest expense to average assets | 3.5520% | 1,871 |
| Loan and lease loss provision to assets | 0.5964% | 1,447 |
| Net operating income to assets | 0.3583% | 5,133 |
| Return on assets (ROA) | 0.3523% | 5,247 |
| Pretax return on assets | 0.5043% | 5,017 |
| Return on Equity (ROE) | 2.9939% | 5,377 |
| Retained earnings to average equity (ytd only) | 2.9939% | 4,372 |
| Net charge-offs to loans | 0.7703% | 1,672 |
| Credit loss provision to net charge-offs | 120.4886% | 2,267 |
| Earnings coverage of net charge-offs (x) | 2.2410% | 3,197 |
| Efficiency ratio | 75.6382% | 3,216 |
| Assets per employee ($millions) | 5.7378% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0244% | 2,343 |
| Loan loss allowance to noncurrent loans | 68.5566% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 2.4136% | 2,818 |
| Noncurrent loans to loans | 2.9529% | 2,545 |
| Net loans and leases to total assets | 63.3712% | 3,569 |
| Net loans and leases to deposits | 87.4795% | 1,519 |
| Net loans and leases to core deposits | 97.6916% | 1,551 |
| Total domestic deposits to total assets | 72.4412% | 7,047 |
| Equity capital to assets | 11.8490% | 2,013 |
| Core capital (leverage) ratio | 8.5958% | 5,269 |
| Tier 1 risk-based capital ratio | 12.0986% | 5,602 |
| Total risk-based capital ratio | 13.3590% | 5,590 |
| Memoranda: | ||
| Average total assets | $1,455,515,000 | 471 |
| Average earning assets | $1,317,610,500 | 473 |
| Average equity | $171,284,000 | 419 |
| Average total loans | $935,160,500 | 465 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7215% | 5,724 |
| Cost of funding earning assets | 1.5872% | 2,147 |
| Net interest margin | 3.1343% | 6,426 |
| Noninterest income to average assets | 0.4594% | 4,443 |
| Noninterest expense to average assets | 3.4764% | 2,237 |
| Loan and lease loss provision to assets | 2.2029% | 554 |
| Net operating income to assets | -1.5508% | 6,922 |
| Return on assets (ROA) | -1.5293% | 6,935 |
| Pretax return on assets | -2.3264% | 7,118 |
| Return on Equity (ROE) | -13.9341% | 6,877 |
| Retained earnings to average equity (ytd only) | -13.9341% | 6,835 |
| Net charge-offs to loans | 4.1748% | 288 |
| Credit loss provision to net charge-offs | 81.7295% | 5,497 |
| Earnings coverage of net charge-offs (x) | -0.0579% | 6,182 |
| Efficiency ratio | 103.8635% | 679 |
| Assets per employee ($millions) | 5.1935% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0012% | 2,297 |
| Loan loss allowance to noncurrent loans | 69.5745% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 2.4729% | 2,798 |
| Noncurrent loans to loans | 2.8764% | 2,648 |
| Net loans and leases to total assets | 62.5434% | 4,160 |
| Net loans and leases to deposits | 85.9923% | 2,098 |
| Net loans and leases to core deposits | 94.3062% | 2,221 |
| Total domestic deposits to total assets | 72.7314% | 7,023 |
| Equity capital to assets | 11.6873% | 2,137 |
| Core capital (leverage) ratio | 7.4145% | 6,773 |
| Tier 1 risk-based capital ratio | 11.7787% | 5,669 |
| Total risk-based capital ratio | 13.0383% | 5,658 |
| Memoranda: | ||
| Average total assets | $1,596,487,000 | 431 |
| Average earning assets | $1,457,229,000 | 422 |
| Average equity | $175,218,200 | 397 |
| Average total loans | $1,030,732,800 | 434 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6574% | 6,161 |
| Cost of funding earning assets | 1.5918% | 2,433 |
| Net interest margin | 3.0656% | 6,695 |
| Noninterest income to average assets | 0.5581% | 3,718 |
| Noninterest expense to average assets | 3.6568% | 1,655 |
| Loan and lease loss provision to assets | 2.6631% | 372 |
| Net operating income to assets | -1.9313% | 7,221 |
| Return on assets (ROA) | -1.9057% | 7,230 |
| Pretax return on assets | -2.9199% | 7,400 |
| Return on Equity (ROE) | -17.6196% | 7,171 |
| Retained earnings to average equity (ytd only) | -17.6196% | 7,151 |
| Net charge-offs to loans | 4.8132% | 189 |
| Credit loss provision to net charge-offs | 85.4774% | 4,946 |
| Earnings coverage of net charge-offs (x) | -0.0951% | 6,106 |
| Efficiency ratio | 108.0015% | 561 |
| Assets per employee ($millions) | 5.8932% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0237% | 2,163 |
| Loan loss allowance to noncurrent loans | 40.5567% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 3.8043% | 1,870 |
| Noncurrent loans to loans | 4.9897% | 1,387 |
| Net loans and leases to total assets | 61.7401% | 4,586 |
| Net loans and leases to deposits | 81.7114% | 3,155 |
| Net loans and leases to core deposits | 90.3695% | 3,045 |
| Total domestic deposits to total assets | 75.5587% | 6,726 |
| Equity capital to assets | 10.5692% | 3,447 |
| Core capital (leverage) ratio | 8.4899% | 5,527 |
| Tier 1 risk-based capital ratio | 12.5341% | 4,948 |
| Total risk-based capital ratio | 13.7942% | 4,923 |
| Memoranda: | ||
| Average total assets | $1,630,768,750 | 415 |
| Average earning assets | $1,490,858,750 | 411 |
| Average equity | $176,382,750 | 392 |
| Average total loans | $1,055,573,000 | 424 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7275% | 6,050 |
| Cost of funding earning assets | 1.6326% | 2,466 |
| Net interest margin | 3.0949% | 6,620 |
| Noninterest income to average assets | 0.8261% | 1,993 |
| Noninterest expense to average assets | 3.7364% | 1,487 |
| Loan and lease loss provision to assets | 2.8252% | 366 |
| Net operating income to assets | -1.8496% | 7,269 |
| Return on assets (ROA) | -1.8324% | 7,269 |
| Pretax return on assets | -2.8784% | 7,448 |
| Return on Equity (ROE) | -16.8123% | 7,197 |
| Retained earnings to average equity (ytd only) | -16.8123% | 7,163 |
| Net charge-offs to loans | 4.2933% | 284 |
| Credit loss provision to net charge-offs | 100.7632% | 4,041 |
| Earnings coverage of net charge-offs (x) | -0.0286% | 5,747 |
| Efficiency ratio | 101.4464% | 754 |
| Assets per employee ($millions) | 5.8244% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5388% | 1,254 |
| Loan loss allowance to noncurrent loans | 40.7196% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 4.8858% | 1,328 |
| Noncurrent loans to loans | 6.2349% | 996 |
| Net loans and leases to total assets | 63.2416% | 4,408 |
| Net loans and leases to deposits | 84.1295% | 2,851 |
| Net loans and leases to core deposits | 93.7568% | 2,753 |
| Total domestic deposits to total assets | 75.1717% | 6,831 |
| Equity capital to assets | 10.8363% | 3,043 |
| Core capital (leverage) ratio | 8.8121% | 4,894 |
| Tier 1 risk-based capital ratio | 12.9778% | 4,467 |
| Total risk-based capital ratio | 14.2450% | 4,408 |
| Memoranda: | ||
| Average total assets | $1,626,293,000 | 415 |
| Average earning assets | $1,487,161,000 | 414 |
| Average equity | $177,251,000 | 392 |
| Average total loans | $1,062,065,670 | 424 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8182% | 5,825 |
| Cost of funding earning assets | 1.6563% | 2,617 |
| Net interest margin | 3.1620% | 6,412 |
| Noninterest income to average assets | 1.0457% | 1,168 |
| Noninterest expense to average assets | 3.9783% | 1,063 |
| Loan and lease loss provision to assets | 1.2173% | 1,001 |
| Net operating income to assets | -0.5857% | 6,885 |
| Return on assets (ROA) | -0.5701% | 6,908 |
| Pretax return on assets | -1.2337% | 7,162 |
| Return on Equity (ROE) | -5.2159% | 6,891 |
| Retained earnings to average equity (ytd only) | -5.2159% | 6,597 |
| Net charge-offs to loans | 2.3709% | 710 |
| Credit loss provision to net charge-offs | 78.3694% | 3,922 |
| Earnings coverage of net charge-offs (x) | -0.0262% | 5,047 |
| Efficiency ratio | 100.3428% | 825 |
| Assets per employee ($millions) | 5.9112% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3794% | 1,445 |
| Loan loss allowance to noncurrent loans | 61.7312% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 3.1729% | 2,259 |
| Noncurrent loans to loans | 3.8544% | 2,056 |
| Net loans and leases to total assets | 63.2010% | 4,487 |
| Net loans and leases to deposits | 83.8759% | 2,958 |
| Net loans and leases to core deposits | 93.0064% | 2,975 |
| Total domestic deposits to total assets | 75.3506% | 6,858 |
| Equity capital to assets | 10.8655% | 2,881 |
| Core capital (leverage) ratio | 8.9644% | 4,627 |
| Tier 1 risk-based capital ratio | 13.0028% | 4,332 |
| Total risk-based capital ratio | 14.2677% | 4,295 |
| Memoranda: | ||
| Average total assets | $1,629,842,500 | 431 |
| Average earning assets | $1,490,584,500 | 425 |
| Average equity | $178,146,500 | 391 |
| Average total loans | $1,067,759,000 | 440 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2418% | 5,452 |
| Cost of funding earning assets | 2.0039% | 2,946 |
| Net interest margin | 3.2378% | 5,965 |
| Noninterest income to average assets | 1.1576% | 1,151 |
| Noninterest expense to average assets | 3.0490% | 3,950 |
| Loan and lease loss provision to assets | 1.0436% | 2,197 |
| Net operating income to assets | 0.0346% | 5,380 |
| Return on assets (ROA) | 0.1307% | 5,168 |
| Pretax return on assets | 0.1986% | 5,007 |
| Return on Equity (ROE) | 1.2683% | 5,150 |
| Retained earnings to average equity (ytd only) | 1.2683% | 4,153 |
| Net charge-offs to loans | 1.3298% | 1,875 |
| Credit loss provision to net charge-offs | 109.1457% | 5,060 |
| Earnings coverage of net charge-offs (x) | 1.1469% | 4,973 |
| Efficiency ratio | 72.8193% | 4,132 |
| Assets per employee ($millions) | 5.8992% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4555% | 1,280 |
| Loan loss allowance to noncurrent loans | 65.6860% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 3.3784% | 2,007 |
| Noncurrent loans to loans | 3.7382% | 2,008 |
| Net loans and leases to total assets | 64.6586% | 4,459 |
| Net loans and leases to deposits | 86.1422% | 2,889 |
| Net loans and leases to core deposits | 114.8664% | 2,426 |
| Total domestic deposits to total assets | 75.0603% | 6,851 |
| Equity capital to assets | 10.9952% | 2,705 |
| Core capital (leverage) ratio | 9.1084% | 4,255 |
| Tier 1 risk-based capital ratio | 12.7205% | 4,349 |
| Total risk-based capital ratio | 13.9789% | 4,282 |
| Memoranda: | ||
| Average total assets | $1,596,455,000 | 430 |
| Average earning assets | $1,473,293,400 | 423 |
| Average equity | $164,556,000 | 422 |
| Average total loans | $1,147,879,800 | 424 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3222% | 5,315 |
| Cost of funding earning assets | 2.0756% | 3,009 |
| Net interest margin | 3.2465% | 5,855 |
| Noninterest income to average assets | 1.1621% | 1,169 |
| Noninterest expense to average assets | 2.9867% | 4,102 |
| Loan and lease loss provision to assets | 1.1458% | 1,697 |
| Net operating income to assets | -0.0006% | 5,707 |
| Return on assets (ROA) | 0.0202% | 5,720 |
| Pretax return on assets | 0.0661% | 5,590 |
| Return on Equity (ROE) | 0.1997% | 5,713 |
| Retained earnings to average equity (ytd only) | 0.1997% | 5,114 |
| Net charge-offs to loans | 1.2797% | 1,607 |
| Credit loss provision to net charge-offs | 122.0801% | 4,153 |
| Earnings coverage of net charge-offs (x) | 1.2566% | 4,831 |
| Efficiency ratio | 70.9640% | 4,431 |
| Assets per employee ($millions) | 5.8830% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4927% | 1,070 |
| Loan loss allowance to noncurrent loans | 71.8653% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 2.8461% | 2,445 |
| Noncurrent loans to loans | 3.4686% | 2,158 |
| Net loans and leases to total assets | 67.6539% | 4,032 |
| Net loans and leases to deposits | 90.1764% | 2,542 |
| Net loans and leases to core deposits | 120.6126% | 2,196 |
| Total domestic deposits to total assets | 75.0240% | 6,771 |
| Equity capital to assets | 10.6624% | 3,328 |
| Core capital (leverage) ratio | 8.9598% | 4,706 |
| Tier 1 risk-based capital ratio | 12.5341% | 4,514 |
| Total risk-based capital ratio | 13.8003% | 4,452 |
| Memoranda: | ||
| Average total assets | $1,588,521,750 | 446 |
| Average earning assets | $1,469,792,250 | 438 |
| Average equity | $160,939,250 | 441 |
| Average total loans | $1,165,033,750 | 433 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3371% | 5,461 |
| Cost of funding earning assets | 2.1286% | 3,142 |
| Net interest margin | 3.2086% | 5,884 |
| Noninterest income to average assets | 1.1216% | 1,255 |
| Noninterest expense to average assets | 2.9745% | 4,186 |
| Loan and lease loss provision to assets | 0.7520% | 2,184 |
| Net operating income to assets | 0.2416% | 5,124 |
| Return on assets (ROA) | 0.2416% | 5,213 |
| Pretax return on assets | 0.3623% | 5,038 |
| Return on Equity (ROE) | 2.4278% | 5,130 |
| Retained earnings to average equity (ytd only) | 2.4278% | 3,982 |
| Net charge-offs to loans | 0.9888% | 1,776 |
| Credit loss provision to net charge-offs | 101.8610% | 4,490 |
| Earnings coverage of net charge-offs (x) | 1.5093% | 4,404 |
| Efficiency ratio | 72.0042% | 4,408 |
| Assets per employee ($millions) | 5.8546% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1925% | 1,257 |
| Loan loss allowance to noncurrent loans | 88.3091% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 2.2776% | 2,861 |
| Noncurrent loans to loans | 2.4828% | 2,919 |
| Net loans and leases to total assets | 69.8609% | 3,738 |
| Net loans and leases to deposits | 93.0807% | 2,255 |
| Net loans and leases to core deposits | 127.6615% | 1,734 |
| Total domestic deposits to total assets | 75.0541% | 6,755 |
| Equity capital to assets | 10.6108% | 3,288 |
| Core capital (leverage) ratio | 9.1865% | 4,323 |
| Tier 1 risk-based capital ratio | 12.2662% | 4,707 |
| Total risk-based capital ratio | 13.5290% | 4,611 |
| Memoranda: | ||
| Average total assets | $1,586,601,330 | 457 |
| Average earning assets | $1,467,262,670 | 450 |
| Average equity | $157,922,670 | 453 |
| Average total loans | $1,184,655,330 | 441 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3925% | 5,466 |
| Cost of funding earning assets | 2.1573% | 3,380 |
| Net interest margin | 3.2353% | 5,738 |
| Noninterest income to average assets | 1.1031% | 1,223 |
| Noninterest expense to average assets | 2.9170% | 4,099 |
| Loan and lease loss provision to assets | 0.7719% | 1,668 |
| Net operating income to assets | 0.2560% | 5,461 |
| Return on assets (ROA) | 0.2560% | 5,623 |
| Pretax return on assets | 0.4046% | 5,385 |
| Return on Equity (ROE) | 2.6620% | 5,503 |
| Retained earnings to average equity (ytd only) | 2.6620% | 4,401 |
| Net charge-offs to loans | 0.4925% | 2,230 |
| Credit loss provision to net charge-offs | 205.3378% | 2,166 |
| Earnings coverage of net charge-offs (x) | 3.1297% | 3,278 |
| Efficiency ratio | 70.5156% | 4,476 |
| Assets per employee ($millions) | 5.7293% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2493% | 1,015 |
| Loan loss allowance to noncurrent loans | 76.8459% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 2.5705% | 2,231 |
| Noncurrent loans to loans | 2.9271% | 2,233 |
| Net loans and leases to total assets | 73.8142% | 2,801 |
| Net loans and leases to deposits | 99.6156% | 1,463 |
| Net loans and leases to core deposits | 141.6290% | 1,034 |
| Total domestic deposits to total assets | 74.0990% | 6,873 |
| Equity capital to assets | 9.8763% | 4,148 |
| Core capital (leverage) ratio | 8.2071% | 6,086 |
| Tier 1 risk-based capital ratio | 10.8143% | 6,079 |
| Total risk-based capital ratio | 12.0776% | 5,972 |
| Memoranda: | ||
| Average total assets | $1,574,892,500 | 468 |
| Average earning assets | $1,455,714,000 | 458 |
| Average equity | $151,466,000 | 463 |
| Average total loans | $1,201,989,000 | 444 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9517% | 5,806 |
| Cost of funding earning assets | 2.6111% | 3,630 |
| Net interest margin | 3.3405% | 5,899 |
| Noninterest income to average assets | 1.5632% | 574 |
| Noninterest expense to average assets | 3.3060% | 2,943 |
| Loan and lease loss provision to assets | 1.9724% | 613 |
| Net operating income to assets | -0.3789% | 6,799 |
| Return on assets (ROA) | -0.4649% | 6,772 |
| Pretax return on assets | -0.7657% | 6,862 |
| Return on Equity (ROE) | -4.6646% | 6,827 |
| Retained earnings to average equity (ytd only) | -4.6646% | 6,454 |
| Net charge-offs to loans | 1.3031% | 918 |
| Credit loss provision to net charge-offs | 191.5561% | 2,563 |
| Earnings coverage of net charge-offs (x) | 1.3024% | 5,476 |
| Efficiency ratio | 70.1516% | 4,324 |
| Assets per employee ($millions) | 5.8086% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0602% | 1,131 |
| Loan loss allowance to noncurrent loans | 80.5267% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 2.1586% | 2,270 |
| Noncurrent loans to loans | 2.5584% | 2,129 |
| Net loans and leases to total assets | 75.5371% | 2,748 |
| Net loans and leases to deposits | 103.5591% | 1,389 |
| Net loans and leases to core deposits | 137.4975% | 1,412 |
| Total domestic deposits to total assets | 72.9411% | 6,840 |
| Equity capital to assets | 9.3605% | 4,868 |
| Core capital (leverage) ratio | 8.0823% | 6,352 |
| Tier 1 risk-based capital ratio | 10.1590% | 6,566 |
| Total risk-based capital ratio | 11.4189% | 6,413 |
| Memoranda: | ||
| Average total assets | $1,479,099,600 | 473 |
| Average earning assets | $1,365,434,200 | 467 |
| Average equity | $147,409,400 | 469 |
| Average total loans | $1,168,738,400 | 445 |