Home > Entegra Bank > Performance and Condition Ratios
Entegra Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4043% | 3,344 |
| Cost of funding earning assets | 1.2457% | 923 |
| Net interest margin | 3.1587% | 4,385 |
| Noninterest income to average assets | 0.6158% | 2,126 |
| Noninterest expense to average assets | 2.4640% | 3,523 |
| Loan and lease loss provision to assets | 0.0197% | 3,511 |
| Net operating income to assets | 0.8191% | 3,606 |
| Return on assets (ROA) | 0.8459% | 3,615 |
| Pretax return on assets | 1.0530% | 3,439 |
| Return on Equity (ROE) | 7.5949% | 3,474 |
| Retained earnings to average equity (ytd only) | 3.4751% | 3,670 |
| Net charge-offs to loans | -0.0095% | 4,360 |
| Credit loss provision to net charge-offs | -315.3846% | 4,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1509% | 2,233 |
| Assets per employee ($millions) | 7.0070% | 1,024 |
| Cash dividends to net income (ytd only)* | 54.2447% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 2,864 |
| Loan loss allowance to noncurrent loans | 288.2670% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4321% | 2,786 |
| Noncurrent loans to loans | 0.3926% | 3,137 |
| Net loans and leases to total assets | 63.1596% | 3,370 |
| Net loans and leases to deposits | 83.7172% | 2,487 |
| Net loans and leases to core deposits | 92.0845% | 2,357 |
| Total domestic deposits to total assets | 75.4440% | 4,706 |
| Equity capital to assets | 11.3037% | 2,833 |
| Core capital (leverage) ratio | 9.7094% | 3,959 |
| Tier 1 risk-based capital ratio | 13.6781% | 3,488 |
| Total risk-based capital ratio | 14.7416% | 3,483 |
| Memoranda: | ||
| Average total assets | $1,667,354,250 | 510 |
| Average earning assets | $1,524,185,750 | 504 |
| Average equity | $185,699,250 | 504 |
| Average total loans | $1,089,810,250 | 535 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4038% | 3,319 |
| Cost of funding earning assets | 1.2203% | 938 |
| Net interest margin | 3.1835% | 4,395 |
| Noninterest income to average assets | 0.6403% | 1,974 |
| Noninterest expense to average assets | 2.6176% | 3,157 |
| Loan and lease loss provision to assets | 0.0297% | 3,225 |
| Net operating income to assets | 0.7262% | 3,911 |
| Return on assets (ROA) | 0.7748% | 3,797 |
| Pretax return on assets | 0.9618% | 3,673 |
| Return on Equity (ROE) | 6.9929% | 3,685 |
| Retained earnings to average equity (ytd only) | 1.1600% | 4,390 |
| Net charge-offs to loans | 0.0068% | 2,907 |
| Credit loss provision to net charge-offs | 664.8649% | 486 |
| Earnings coverage of net charge-offs (x) | 208.4054% | 382 |
| Efficiency ratio | 72.5756% | 1,830 |
| Assets per employee ($millions) | 6.6243% | 1,176 |
| Cash dividends to net income (ytd only)* | 83.4113% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,021 |
| Loan loss allowance to noncurrent loans | 359.7050% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 2,980 |
| Noncurrent loans to loans | 0.3085% | 3,442 |
| Net loans and leases to total assets | 65.3539% | 3,182 |
| Net loans and leases to deposits | 86.8615% | 2,149 |
| Net loans and leases to core deposits | 96.5658% | 2,012 |
| Total domestic deposits to total assets | 75.2392% | 4,748 |
| Equity capital to assets | 11.2346% | 2,827 |
| Core capital (leverage) ratio | 9.4980% | 4,146 |
| Tier 1 risk-based capital ratio | 13.1486% | 3,759 |
| Total risk-based capital ratio | 14.1918% | 3,778 |
| Memoranda: | ||
| Average total assets | $1,655,575,000 | 513 |
| Average earning assets | $1,512,740,330 | 508 |
| Average equity | $183,443,000 | 507 |
| Average total loans | $1,090,506,000 | 532 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 3,266 |
| Cost of funding earning assets | 1.1621% | 1,009 |
| Net interest margin | 3.2283% | 4,329 |
| Noninterest income to average assets | 0.8610% | 1,141 |
| Noninterest expense to average assets | 2.6440% | 3,070 |
| Loan and lease loss provision to assets | 0.0281% | 3,048 |
| Net operating income to assets | 0.9026% | 3,224 |
| Return on assets (ROA) | 0.9797% | 2,967 |
| Pretax return on assets | 1.2332% | 2,691 |
| Return on Equity (ROE) | 8.9038% | 2,849 |
| Retained earnings to average equity (ytd only) | 8.7321% | 1,408 |
| Net charge-offs to loans | 0.0214% | 2,026 |
| Credit loss provision to net charge-offs | 200.0000% | 1,050 |
| Earnings coverage of net charge-offs (x) | 82.8621% | 753 |
| Efficiency ratio | 68.3391% | 2,595 |
| Assets per employee ($millions) | 6.0232% | 1,525 |
| Cash dividends to net income (ytd only)* | 1.9278% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 3,098 |
| Loan loss allowance to noncurrent loans | 245.4749% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 2,864 |
| Noncurrent loans to loans | 0.4505% | 2,968 |
| Net loans and leases to total assets | 64.5524% | 3,224 |
| Net loans and leases to deposits | 86.1095% | 2,121 |
| Net loans and leases to core deposits | 95.9367% | 1,931 |
| Total domestic deposits to total assets | 74.9654% | 4,860 |
| Equity capital to assets | 11.1377% | 2,714 |
| Core capital (leverage) ratio | 9.6665% | 3,952 |
| Tier 1 risk-based capital ratio | 13.3218% | 3,706 |
| Total risk-based capital ratio | 14.3510% | 3,736 |
| Memoranda: | ||
| Average total assets | $1,652,012,500 | 516 |
| Average earning assets | $1,507,908,500 | 513 |
| Average equity | $181,766,000 | 508 |
| Average total loans | $1,086,342,000 | 535 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2245% | 3,375 |
| Cost of funding earning assets | 0.8382% | 1,350 |
| Net interest margin | 3.3863% | 4,031 |
| Noninterest income to average assets | 0.4799% | 2,946 |
| Noninterest expense to average assets | 2.3249% | 4,068 |
| Loan and lease loss provision to assets | 0.0738% | 2,655 |
| Net operating income to assets | 0.9585% | 3,185 |
| Return on assets (ROA) | 0.9024% | 3,422 |
| Pretax return on assets | 1.1072% | 3,238 |
| Return on Equity (ROE) | 8.6006% | 3,178 |
| Retained earnings to average equity (ytd only) | 8.0050% | 1,231 |
| Net charge-offs to loans | 0.0098% | 3,344 |
| Credit loss provision to net charge-offs | 1,166.0194% | 342 |
| Earnings coverage of net charge-offs (x) | 197.3981% | 462 |
| Efficiency ratio | 63.8563% | 3,209 |
| Assets per employee ($millions) | 5.8000% | 1,675 |
| Cash dividends to net income (ytd only)* | 6.9254% | 3,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 3,062 |
| Loan loss allowance to noncurrent loans | 246.7573% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 2,769 |
| Noncurrent loans to loans | 0.4482% | 2,933 |
| Net loans and leases to total assets | 65.5202% | 3,199 |
| Net loans and leases to deposits | 87.4376% | 2,125 |
| Net loans and leases to core deposits | 97.3061% | 1,942 |
| Total domestic deposits to total assets | 74.9337% | 4,878 |
| Equity capital to assets | 10.8650% | 2,830 |
| Core capital (leverage) ratio | 9.4218% | 4,208 |
| Tier 1 risk-based capital ratio | 12.9238% | 3,888 |
| Total risk-based capital ratio | 13.9504% | 3,901 |
| Memoranda: | ||
| Average total assets | $1,627,327,200 | 503 |
| Average earning assets | $1,487,033,400 | 502 |
| Average equity | $170,744,000 | 510 |
| Average total loans | $1,052,312,200 | 536 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1448% | 3,477 |
| Cost of funding earning assets | 0.7662% | 1,500 |
| Net interest margin | 3.3786% | 4,072 |
| Noninterest income to average assets | 0.4698% | 3,043 |
| Noninterest expense to average assets | 2.3543% | 3,963 |
| Loan and lease loss provision to assets | 0.0865% | 2,247 |
| Net operating income to assets | 0.9087% | 3,489 |
| Return on assets (ROA) | 0.8824% | 3,616 |
| Pretax return on assets | 1.0854% | 3,452 |
| Return on Equity (ROE) | 8.4856% | 3,339 |
| Retained earnings to average equity (ytd only) | 7.8924% | 1,705 |
| Net charge-offs to loans | 0.0249% | 2,624 |
| Credit loss provision to net charge-offs | 540.5128% | 656 |
| Earnings coverage of net charge-offs (x) | 75.2882% | 911 |
| Efficiency ratio | 64.9600% | 3,039 |
| Assets per employee ($millions) | 5.9167% | 1,556 |
| Cash dividends to net income (ytd only)* | 6.9914% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 3,222 |
| Loan loss allowance to noncurrent loans | 273.3535% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 2,989 |
| Noncurrent loans to loans | 0.4008% | 3,216 |
| Net loans and leases to total assets | 63.5443% | 3,480 |
| Net loans and leases to deposits | 84.1432% | 2,584 |
| Net loans and leases to core deposits | 96.9096% | 2,032 |
| Total domestic deposits to total assets | 75.5192% | 4,834 |
| Equity capital to assets | 10.2805% | 3,360 |
| Core capital (leverage) ratio | 9.1398% | 4,576 |
| Tier 1 risk-based capital ratio | 12.6256% | 4,142 |
| Total risk-based capital ratio | 13.6365% | 4,152 |
| Memoranda: | ||
| Average total assets | $1,625,256,750 | 498 |
| Average earning assets | $1,485,871,750 | 500 |
| Average equity | $169,002,750 | 510 |
| Average total loans | $1,044,480,500 | 536 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 3,458 |
| Cost of funding earning assets | 0.6872% | 1,701 |
| Net interest margin | 3.4095% | 3,923 |
| Noninterest income to average assets | 0.4568% | 3,113 |
| Noninterest expense to average assets | 2.3517% | 4,018 |
| Loan and lease loss provision to assets | 0.0891% | 2,139 |
| Net operating income to assets | 0.9261% | 3,338 |
| Return on assets (ROA) | 0.8717% | 3,583 |
| Pretax return on assets | 1.0668% | 3,445 |
| Return on Equity (ROE) | 8.3504% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.7700% | 1,720 |
| Net charge-offs to loans | 0.0155% | 2,626 |
| Credit loss provision to net charge-offs | 897.5000% | 456 |
| Earnings coverage of net charge-offs (x) | 123.0500% | 605 |
| Efficiency ratio | 64.5996% | 3,231 |
| Assets per employee ($millions) | 5.7296% | 1,697 |
| Cash dividends to net income (ytd only)* | 6.9506% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,326 |
| Loan loss allowance to noncurrent loans | 254.7524% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 2,921 |
| Noncurrent loans to loans | 0.4279% | 3,168 |
| Net loans and leases to total assets | 64.2668% | 3,369 |
| Net loans and leases to deposits | 85.4200% | 2,388 |
| Net loans and leases to core deposits | 97.8212% | 1,904 |
| Total domestic deposits to total assets | 75.2362% | 4,934 |
| Equity capital to assets | 10.4430% | 3,172 |
| Core capital (leverage) ratio | 9.0542% | 4,641 |
| Tier 1 risk-based capital ratio | 12.4774% | 4,199 |
| Total risk-based capital ratio | 13.4861% | 4,232 |
| Memoranda: | ||
| Average total assets | $1,610,843,330 | 501 |
| Average earning assets | $1,472,718,000 | 504 |
| Average equity | $168,160,330 | 511 |
| Average total loans | $1,035,313,670 | 540 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 3,411 |
| Cost of funding earning assets | 0.6138% | 1,954 |
| Net interest margin | 3.4374% | 3,747 |
| Noninterest income to average assets | 0.4275% | 3,265 |
| Noninterest expense to average assets | 2.3324% | 4,108 |
| Loan and lease loss provision to assets | 0.0901% | 2,003 |
| Net operating income to assets | 0.9484% | 3,079 |
| Return on assets (ROA) | 0.9325% | 3,168 |
| Pretax return on assets | 1.1306% | 3,049 |
| Return on Equity (ROE) | 8.9338% | 2,937 |
| Retained earnings to average equity (ytd only) | 8.3910% | 1,693 |
| Net charge-offs to loans | 0.0316% | 1,864 |
| Credit loss provision to net charge-offs | 445.6790% | 642 |
| Earnings coverage of net charge-offs (x) | 61.3457% | 834 |
| Efficiency ratio | 64.0771% | 3,473 |
| Assets per employee ($millions) | 5.9291% | 1,574 |
| Cash dividends to net income (ytd only)* | 6.0760% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 3,528 |
| Loan loss allowance to noncurrent loans | 257.5415% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 3,070 |
| Noncurrent loans to loans | 0.4171% | 3,290 |
| Net loans and leases to total assets | 63.3096% | 3,396 |
| Net loans and leases to deposits | 85.0366% | 2,288 |
| Net loans and leases to core deposits | 95.4093% | 2,023 |
| Total domestic deposits to total assets | 74.4498% | 5,110 |
| Equity capital to assets | 10.2980% | 3,288 |
| Core capital (leverage) ratio | 8.9887% | 4,688 |
| Tier 1 risk-based capital ratio | 12.4857% | 4,244 |
| Total risk-based capital ratio | 13.4911% | 4,309 |
| Memoranda: | ||
| Average total assets | $1,602,656,500 | 509 |
| Average earning assets | $1,466,357,000 | 509 |
| Average equity | $167,275,000 | 519 |
| Average total loans | $1,024,328,000 | 549 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9076% | 3,701 |
| Cost of funding earning assets | 0.5490% | 1,957 |
| Net interest margin | 3.3586% | 3,978 |
| Noninterest income to average assets | 0.5503% | 2,716 |
| Noninterest expense to average assets | 2.5713% | 3,537 |
| Loan and lease loss provision to assets | 0.1340% | 1,712 |
| Net operating income to assets | 0.3089% | 4,913 |
| Return on assets (ROA) | 0.2249% | 5,078 |
| Pretax return on assets | 0.7794% | 4,305 |
| Return on Equity (ROE) | 2.0877% | 5,046 |
| Retained earnings to average equity (ytd only) | -11.4385% | 5,553 |
| Net charge-offs to loans | 0.0381% | 3,032 |
| Credit loss provision to net charge-offs | 602.2222% | 535 |
| Earnings coverage of net charge-offs (x) | 46.9651% | 1,141 |
| Efficiency ratio | 70.2685% | 2,507 |
| Assets per employee ($millions) | 5.7957% | 1,656 |
| Cash dividends to net income (ytd only)* | 647.8957% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 3,458 |
| Loan loss allowance to noncurrent loans | 227.8359% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4660% | 3,010 |
| Noncurrent loans to loans | 0.4735% | 3,088 |
| Net loans and leases to total assets | 63.3135% | 3,452 |
| Net loans and leases to deposits | 85.6428% | 2,307 |
| Net loans and leases to core deposits | 92.0386% | 2,374 |
| Total domestic deposits to total assets | 73.9275% | 5,188 |
| Equity capital to assets | 10.6095% | 3,041 |
| Core capital (leverage) ratio | 9.1254% | 4,494 |
| Tier 1 risk-based capital ratio | 12.4028% | 4,263 |
| Total risk-based capital ratio | 13.3628% | 4,347 |
| Memoranda: | ||
| Average total assets | $1,416,031,600 | 542 |
| Average earning assets | $1,292,583,000 | 544 |
| Average equity | $152,510,800 | 538 |
| Average total loans | $827,719,200 | 634 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7817% | 4,064 |
| Cost of funding earning assets | 0.5379% | 1,970 |
| Net interest margin | 3.2438% | 4,344 |
| Noninterest income to average assets | 0.5576% | 2,682 |
| Noninterest expense to average assets | 2.4675% | 3,832 |
| Loan and lease loss provision to assets | 0.1124% | 1,908 |
| Net operating income to assets | 0.6565% | 4,169 |
| Return on assets (ROA) | 0.6103% | 4,393 |
| Pretax return on assets | 0.8712% | 4,136 |
| Return on Equity (ROE) | 5.6423% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.3896% | 2,614 |
| Net charge-offs to loans | 0.0695% | 2,128 |
| Credit loss provision to net charge-offs | 284.3137% | 1,029 |
| Earnings coverage of net charge-offs (x) | 26.5489% | 1,677 |
| Efficiency ratio | 69.4484% | 2,628 |
| Assets per employee ($millions) | 5.4371% | 1,985 |
| Cash dividends to net income (ytd only)* | 4.4776% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 2,772 |
| Loan loss allowance to noncurrent loans | 179.4611% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 2,828 |
| Noncurrent loans to loans | 0.6827% | 2,659 |
| Net loans and leases to total assets | 57.1353% | 4,143 |
| Net loans and leases to deposits | 80.0218% | 2,973 |
| Net loans and leases to core deposits | 86.0422% | 2,964 |
| Total domestic deposits to total assets | 71.3997% | 5,420 |
| Equity capital to assets | 10.8718% | 2,991 |
| Core capital (leverage) ratio | 10.1193% | 3,418 |
| Tier 1 risk-based capital ratio | 14.3640% | 3,258 |
| Total risk-based capital ratio | 15.4050% | 3,276 |
| Memoranda: | ||
| Average total assets | $1,375,930,250 | 557 |
| Average earning assets | $1,255,381,500 | 559 |
| Average equity | $148,825,500 | 550 |
| Average total loans | $782,403,000 | 670 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7629% | 4,022 |
| Cost of funding earning assets | 0.5260% | 1,952 |
| Net interest margin | 3.2369% | 4,302 |
| Noninterest income to average assets | 0.5204% | 2,895 |
| Noninterest expense to average assets | 2.5207% | 3,687 |
| Loan and lease loss provision to assets | 0.0940% | 2,108 |
| Net operating income to assets | 0.6101% | 4,257 |
| Return on assets (ROA) | 0.5416% | 4,599 |
| Pretax return on assets | 0.7606% | 4,403 |
| Return on Equity (ROE) | 5.0161% | 4,469 |
| Retained earnings to average equity (ytd only) | 4.6324% | 2,955 |
| Net charge-offs to loans | 0.0029% | 3,399 |
| Credit loss provision to net charge-offs | 5,818.1818% | 80 |
| Earnings coverage of net charge-offs (x) | 588.6364% | 135 |
| Efficiency ratio | 71.9315% | 2,350 |
| Assets per employee ($millions) | 5.4184% | 1,945 |
| Cash dividends to net income (ytd only)* | 7.6485% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 2,729 |
| Loan loss allowance to noncurrent loans | 150.8122% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.6441% | 2,625 |
| Noncurrent loans to loans | 0.8251% | 2,338 |
| Net loans and leases to total assets | 55.9644% | 4,231 |
| Net loans and leases to deposits | 77.5100% | 3,162 |
| Net loans and leases to core deposits | 83.4026% | 3,133 |
| Total domestic deposits to total assets | 72.2028% | 5,442 |
| Equity capital to assets | 10.7171% | 3,118 |
| Core capital (leverage) ratio | 9.9617% | 3,582 |
| Tier 1 risk-based capital ratio | 14.9418% | 2,955 |
| Total risk-based capital ratio | 16.0423% | 2,948 |
| Memoranda: | ||
| Average total assets | $1,361,547,000 | 565 |
| Average earning assets | $1,241,433,670 | 568 |
| Average equity | $147,007,330 | 556 |
| Average total loans | $769,586,330 | 687 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7248% | 4,030 |
| Cost of funding earning assets | 0.5243% | 1,904 |
| Net interest margin | 3.2005% | 4,345 |
| Noninterest income to average assets | 0.5077% | 2,925 |
| Noninterest expense to average assets | 2.5203% | 3,742 |
| Loan and lease loss provision to assets | 0.0942% | 1,969 |
| Net operating income to assets | 0.5812% | 4,234 |
| Return on assets (ROA) | 0.4320% | 4,873 |
| Pretax return on assets | 0.5988% | 4,736 |
| Return on Equity (ROE) | 3.9856% | 4,783 |
| Retained earnings to average equity (ytd only) | 3.6078% | 3,635 |
| Net charge-offs to loans | 0.0646% | 1,685 |
| Credit loss provision to net charge-offs | 258.1967% | 868 |
| Earnings coverage of net charge-offs (x) | 24.6803% | 1,348 |
| Efficiency ratio | 73.1579% | 2,379 |
| Assets per employee ($millions) | 5.2808% | 2,098 |
| Cash dividends to net income (ytd only)* | 9.4810% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,845 |
| Loan loss allowance to noncurrent loans | 131.0250% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.8195% | 2,246 |
| Noncurrent loans to loans | 0.9520% | 2,140 |
| Net loans and leases to total assets | 54.3495% | 4,311 |
| Net loans and leases to deposits | 75.8748% | 3,214 |
| Net loans and leases to core deposits | 80.3563% | 3,255 |
| Total domestic deposits to total assets | 71.6305% | 5,560 |
| Equity capital to assets | 10.5546% | 3,129 |
| Core capital (leverage) ratio | 10.0905% | 3,387 |
| Tier 1 risk-based capital ratio | 15.0648% | 2,936 |
| Total risk-based capital ratio | 16.1492% | 2,942 |
| Memoranda: | ||
| Average total assets | $1,337,925,000 | 579 |
| Average earning assets | $1,217,688,000 | 579 |
| Average equity | $145,020,500 | 555 |
| Average total loans | $755,202,000 | 703 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 3,796 |
| Cost of funding earning assets | 0.5267% | 1,889 |
| Net interest margin | 3.3067% | 4,124 |
| Noninterest income to average assets | 0.5353% | 2,999 |
| Noninterest expense to average assets | 2.7123% | 3,307 |
| Loan and lease loss provision to assets | 0.0237% | 3,890 |
| Net operating income to assets | 0.5280% | 4,517 |
| Return on assets (ROA) | 0.5963% | 4,332 |
| Pretax return on assets | 0.9227% | 3,761 |
| Return on Equity (ROE) | 4.9200% | 4,470 |
| Retained earnings to average equity (ytd only) | 4.5565% | 2,662 |
| Net charge-offs to loans | 0.0617% | 2,829 |
| Credit loss provision to net charge-offs | 63.7209% | 3,196 |
| Earnings coverage of net charge-offs (x) | 22.6488% | 1,721 |
| Efficiency ratio | 75.9821% | 1,985 |
| Assets per employee ($millions) | 5.4071% | 1,948 |
| Cash dividends to net income (ytd only)* | 7.3892% | 4,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,862 |
| Loan loss allowance to noncurrent loans | 153.4213% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 2,362 |
| Noncurrent loans to loans | 0.8098% | 2,495 |
| Net loans and leases to total assets | 57.2351% | 4,144 |
| Net loans and leases to deposits | 88.7763% | 1,836 |
| Net loans and leases to core deposits | 95.7767% | 1,941 |
| Total domestic deposits to total assets | 64.4711% | 5,783 |
| Equity capital to assets | 11.1439% | 2,483 |
| Core capital (leverage) ratio | 11.0646% | 2,292 |
| Tier 1 risk-based capital ratio | 16.3251% | 2,418 |
| Total risk-based capital ratio | 17.4345% | 2,416 |
| Memoranda: | ||
| Average total assets | $1,157,560,800 | 626 |
| Average earning assets | $1,056,638,600 | 624 |
| Average equity | $140,284,400 | 563 |
| Average total loans | $696,806,800 | 723 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8545% | 3,753 |
| Cost of funding earning assets | 0.5310% | 1,870 |
| Net interest margin | 3.3235% | 4,117 |
| Noninterest income to average assets | 0.5387% | 2,987 |
| Noninterest expense to average assets | 2.8200% | 2,936 |
| Loan and lease loss provision to assets | 0.0119% | 4,009 |
| Net operating income to assets | 0.4383% | 4,909 |
| Return on assets (ROA) | 0.5222% | 4,710 |
| Pretax return on assets | 0.8742% | 4,066 |
| Return on Equity (ROE) | 4.2118% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.2118% | 3,327 |
| Net charge-offs to loans | 0.0891% | 2,076 |
| Credit loss provision to net charge-offs | 21.8818% | 3,283 |
| Earnings coverage of net charge-offs (x) | 13.9256% | 2,267 |
| Efficiency ratio | 78.5465% | 1,610 |
| Assets per employee ($millions) | 5.2718% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 3,026 |
| Loan loss allowance to noncurrent loans | 127.6679% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.9653% | 2,142 |
| Noncurrent loans to loans | 0.9691% | 2,300 |
| Net loans and leases to total assets | 59.6763% | 3,921 |
| Net loans and leases to deposits | 86.4498% | 2,217 |
| Net loans and leases to core deposits | 93.6448% | 2,220 |
| Total domestic deposits to total assets | 69.0300% | 5,736 |
| Equity capital to assets | 12.2356% | 1,954 |
| Core capital (leverage) ratio | 11.4803% | 2,049 |
| Tier 1 risk-based capital ratio | 16.7886% | 2,306 |
| Total risk-based capital ratio | 17.9310% | 2,294 |
| Memoranda: | ||
| Average total assets | $1,123,879,750 | 640 |
| Average earning assets | $1,026,766,500 | 644 |
| Average equity | $139,352,750 | 570 |
| Average total loans | $683,772,250 | 730 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8464% | 3,786 |
| Cost of funding earning assets | 0.5347% | 1,829 |
| Net interest margin | 3.3117% | 4,187 |
| Noninterest income to average assets | 0.5393% | 2,961 |
| Noninterest expense to average assets | 2.9435% | 2,539 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4264% | 4,953 |
| Return on assets (ROA) | 0.5133% | 4,736 |
| Pretax return on assets | 0.7564% | 4,436 |
| Return on Equity (ROE) | 4.1194% | 4,866 |
| Retained earnings to average equity (ytd only) | 4.1194% | 3,284 |
| Net charge-offs to loans | 0.1564% | 1,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.5912% | 2,721 |
| Efficiency ratio | 82.0898% | 1,257 |
| Assets per employee ($millions) | 5.2759% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 3,211 |
| Loan loss allowance to noncurrent loans | 94.6533% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.2461% | 1,643 |
| Noncurrent loans to loans | 1.2960% | 1,744 |
| Net loans and leases to total assets | 60.3696% | 3,831 |
| Net loans and leases to deposits | 86.5163% | 2,184 |
| Net loans and leases to core deposits | 92.1090% | 2,342 |
| Total domestic deposits to total assets | 69.7783% | 5,794 |
| Equity capital to assets | 12.4460% | 1,813 |
| Core capital (leverage) ratio | 11.5672% | 1,938 |
| Tier 1 risk-based capital ratio | 17.0752% | 2,190 |
| Total risk-based capital ratio | 18.2309% | 2,190 |
| Memoranda: | ||
| Average total assets | $1,092,579,000 | 656 |
| Average earning assets | $1,000,580,670 | 659 |
| Average equity | $136,136,000 | 580 |
| Average total loans | $666,419,330 | 744 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7712% | 4,056 |
| Cost of funding earning assets | 0.5395% | 1,796 |
| Net interest margin | 3.2317% | 4,466 |
| Noninterest income to average assets | 0.5401% | 2,868 |
| Noninterest expense to average assets | 2.6804% | 3,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5071% | 4,602 |
| Return on assets (ROA) | 0.5731% | 4,414 |
| Pretax return on assets | 0.9180% | 3,777 |
| Return on Equity (ROE) | 4.5968% | 4,660 |
| Retained earnings to average equity (ytd only) | 4.5968% | 3,176 |
| Net charge-offs to loans | -0.0233% | 4,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4570% | 2,112 |
| Assets per employee ($millions) | 4.8595% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 2,043 |
| Loan loss allowance to noncurrent loans | 105.7448% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.3667% | 1,547 |
| Noncurrent loans to loans | 1.4077% | 1,699 |
| Net loans and leases to total assets | 59.6083% | 3,832 |
| Net loans and leases to deposits | 85.2700% | 2,160 |
| Net loans and leases to core deposits | 88.2049% | 2,543 |
| Total domestic deposits to total assets | 69.9053% | 5,870 |
| Equity capital to assets | 12.5097% | 1,676 |
| Core capital (leverage) ratio | 11.7398% | 1,802 |
| Tier 1 risk-based capital ratio | 18.0135% | 1,984 |
| Total risk-based capital ratio | 19.2730% | 1,946 |
| Memoranda: | ||
| Average total assets | $1,042,690,500 | 694 |
| Average earning assets | $953,426,500 | 697 |
| Average equity | $130,003,500 | 617 |
| Average total loans | $635,248,500 | 777 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7497% | 4,195 |
| Cost of funding earning assets | 0.6158% | 1,276 |
| Net interest margin | 3.1339% | 4,826 |
| Noninterest income to average assets | 0.5509% | 3,005 |
| Noninterest expense to average assets | 2.8376% | 3,082 |
| Loan and lease loss provision to assets | -0.1561% | 5,928 |
| Net operating income to assets | 2.4735% | 158 |
| Return on assets (ROA) | 2.5152% | 150 |
| Pretax return on assets | 0.7922% | 4,217 |
| Return on Equity (ROE) | 20.4689% | 222 |
| Retained earnings to average equity (ytd only) | 20.4689% | 61 |
| Net charge-offs to loans | 0.0189% | 3,895 |
| Credit loss provision to net charge-offs | -1,351.3514% | 5,596 |
| Earnings coverage of net charge-offs (x) | 51.4685% | 981 |
| Efficiency ratio | 82.6800% | 1,312 |
| Assets per employee ($millions) | 4.8397% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 2,030 |
| Loan loss allowance to noncurrent loans | 129.9588% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 1.2270% | 1,756 |
| Noncurrent loans to loans | 1.1511% | 2,045 |
| Net loans and leases to total assets | 60.4307% | 3,772 |
| Net loans and leases to deposits | 84.8531% | 2,260 |
| Net loans and leases to core deposits | 87.7433% | 2,627 |
| Total domestic deposits to total assets | 71.2181% | 5,842 |
| Equity capital to assets | 12.4255% | 1,657 |
| Core capital (leverage) ratio | 12.0450% | 1,593 |
| Tier 1 risk-based capital ratio | 18.0732% | 1,944 |
| Total risk-based capital ratio | 19.3376% | 1,898 |
| Memoranda: | ||
| Average total assets | $961,083,800 | 720 |
| Average earning assets | $883,565,400 | 719 |
| Average equity | $118,096,200 | 647 |
| Average total loans | $587,835,400 | 794 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7402% | 4,291 |
| Cost of funding earning assets | 0.6403% | 1,147 |
| Net interest margin | 3.0999% | 4,970 |
| Noninterest income to average assets | 0.5639% | 2,960 |
| Noninterest expense to average assets | 2.9169% | 2,796 |
| Loan and lease loss provision to assets | -0.2119% | 6,106 |
| Net operating income to assets | 3.0829% | 85 |
| Return on assets (ROA) | 3.1281% | 81 |
| Pretax return on assets | 0.7602% | 4,459 |
| Return on Equity (ROE) | 25.5351% | 107 |
| Retained earnings to average equity (ytd only) | 25.5351% | 44 |
| Net charge-offs to loans | -0.0139% | 5,084 |
| Credit loss provision to net charge-offs | 2,500.0000% | 142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2917% | 1,057 |
| Assets per employee ($millions) | 4.9687% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 1,828 |
| Loan loss allowance to noncurrent loans | 126.7202% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.3194% | 1,774 |
| Noncurrent loans to loans | 1.2536% | 2,029 |
| Net loans and leases to total assets | 60.6505% | 3,785 |
| Net loans and leases to deposits | 85.1637% | 2,257 |
| Net loans and leases to core deposits | 88.6302% | 2,595 |
| Total domestic deposits to total assets | 71.2164% | 5,917 |
| Equity capital to assets | 12.9364% | 1,481 |
| Core capital (leverage) ratio | 12.2504% | 1,541 |
| Tier 1 risk-based capital ratio | 18.6791% | 1,857 |
| Total risk-based capital ratio | 19.9449% | 1,814 |
| Memoranda: | ||
| Average total assets | $943,638,250 | 734 |
| Average earning assets | $869,375,750 | 735 |
| Average equity | $115,597,500 | 668 |
| Average total loans | $576,689,250 | 813 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7217% | 4,350 |
| Cost of funding earning assets | 0.6713% | 983 |
| Net interest margin | 3.0505% | 5,093 |
| Noninterest income to average assets | 0.4908% | 3,442 |
| Noninterest expense to average assets | 3.1344% | 2,155 |
| Loan and lease loss provision to assets | -0.3225% | 6,235 |
| Net operating income to assets | 4.2137% | 60 |
| Return on assets (ROA) | 4.2750% | 58 |
| Pretax return on assets | 0.5579% | 5,081 |
| Return on Equity (ROE) | 35.6002% | 36 |
| Retained earnings to average equity (ytd only) | 35.6002% | 20 |
| Net charge-offs to loans | 0.0427% | 2,845 |
| Credit loss provision to net charge-offs | -1,239.6694% | 5,395 |
| Earnings coverage of net charge-offs (x) | 6.6942% | 2,749 |
| Efficiency ratio | 94.7365% | 492 |
| Assets per employee ($millions) | 4.9441% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 1,924 |
| Loan loss allowance to noncurrent loans | 76.5325% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 1.7604% | 1,329 |
| Noncurrent loans to loans | 2.0856% | 1,155 |
| Net loans and leases to total assets | 60.1268% | 3,818 |
| Net loans and leases to deposits | 82.0506% | 2,549 |
| Net loans and leases to core deposits | 85.3771% | 2,834 |
| Total domestic deposits to total assets | 73.2801% | 5,846 |
| Equity capital to assets | 12.7431% | 1,523 |
| Core capital (leverage) ratio | 12.4897% | 1,387 |
| Tier 1 risk-based capital ratio | 18.7554% | 1,855 |
| Total risk-based capital ratio | 20.0229% | 1,817 |
| Memoranda: | ||
| Average total assets | $930,252,000 | 749 |
| Average earning assets | $859,280,670 | 750 |
| Average equity | $111,707,330 | 696 |
| Average total loans | $566,815,670 | 828 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7222% | 4,291 |
| Cost of funding earning assets | 0.7008% | 847 |
| Net interest margin | 3.0214% | 5,153 |
| Noninterest income to average assets | 0.5845% | 2,738 |
| Noninterest expense to average assets | 2.8250% | 3,157 |
| Loan and lease loss provision to assets | -0.6587% | 6,366 |
| Net operating income to assets | 1.1348% | 1,746 |
| Return on assets (ROA) | 1.2011% | 1,642 |
| Pretax return on assets | 1.2999% | 2,286 |
| Return on Equity (ROE) | 10.3385% | 1,852 |
| Retained earnings to average equity (ytd only) | 10.3385% | 840 |
| Net charge-offs to loans | -0.0274% | 5,198 |
| Credit loss provision to net charge-offs | 3,947.3684% | 99 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2320% | 1,460 |
| Assets per employee ($millions) | 4.7346% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 1,675 |
| Loan loss allowance to noncurrent loans | 73.1153% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 1.9664% | 1,219 |
| Noncurrent loans to loans | 2.3595% | 1,042 |
| Net loans and leases to total assets | 59.6067% | 3,712 |
| Net loans and leases to deposits | 76.3188% | 3,019 |
| Net loans and leases to core deposits | 80.8607% | 3,069 |
| Total domestic deposits to total assets | 78.1023% | 5,426 |
| Equity capital to assets | 11.7733% | 2,221 |
| Core capital (leverage) ratio | 11.9608% | 1,662 |
| Tier 1 risk-based capital ratio | 18.8008% | 1,919 |
| Total risk-based capital ratio | 20.0574% | 1,880 |
| Memoranda: | ||
| Average total assets | $910,860,000 | 768 |
| Average earning assets | $847,036,000 | 762 |
| Average equity | $105,818,500 | 732 |
| Average total loans | $554,173,000 | 846 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 2,966 |
| Cost of funding earning assets | 0.7882% | 689 |
| Net interest margin | 3.4091% | 4,163 |
| Noninterest income to average assets | 0.3751% | 4,382 |
| Noninterest expense to average assets | 2.5661% | 4,340 |
| Loan and lease loss provision to assets | 0.0039% | 4,526 |
| Net operating income to assets | 0.6878% | 3,956 |
| Return on assets (ROA) | 0.7444% | 3,754 |
| Pretax return on assets | 1.0301% | 3,387 |
| Return on Equity (ROE) | 8.6988% | 2,729 |
| Retained earnings to average equity (ytd only) | 8.6988% | 770 |
| Net charge-offs to loans | 0.5976% | 667 |
| Credit loss provision to net charge-offs | 1.0274% | 4,197 |
| Earnings coverage of net charge-offs (x) | 2.4866% | 4,139 |
| Efficiency ratio | 72.8684% | 3,060 |
| Assets per employee ($millions) | 4.8300% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0086% | 1,097 |
| Loan loss allowance to noncurrent loans | 65.9833% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 2.3477% | 1,002 |
| Noncurrent loans to loans | 3.0440% | 736 |
| Net loans and leases to total assets | 59.8055% | 3,817 |
| Net loans and leases to deposits | 74.9433% | 3,319 |
| Net loans and leases to core deposits | 80.1270% | 3,285 |
| Total domestic deposits to total assets | 79.8010% | 5,068 |
| Equity capital to assets | 11.4589% | 2,468 |
| Core capital (leverage) ratio | 11.9138% | 1,687 |
| Tier 1 risk-based capital ratio | 19.8870% | 1,615 |
| Total risk-based capital ratio | 21.1474% | 1,589 |
| Memoranda: | ||
| Average total assets | $835,934,200 | 807 |
| Average earning assets | $771,530,400 | 787 |
| Average equity | $71,538,200 | 1,026 |
| Average total loans | $537,491,800 | 822 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3218% | 2,533 |
| Cost of funding earning assets | 0.8090% | 657 |
| Net interest margin | 3.5128% | 3,776 |
| Noninterest income to average assets | 0.3501% | 4,643 |
| Noninterest expense to average assets | 2.5697% | 4,288 |
| Loan and lease loss provision to assets | 0.0044% | 4,324 |
| Net operating income to assets | 0.7161% | 3,860 |
| Return on assets (ROA) | 0.7914% | 3,565 |
| Pretax return on assets | 1.1166% | 3,122 |
| Return on Equity (ROE) | 10.2009% | 2,117 |
| Retained earnings to average equity (ytd only) | 10.2009% | 656 |
| Net charge-offs to loans | 0.6256% | 577 |
| Credit loss provision to net charge-offs | 1.0774% | 3,795 |
| Earnings coverage of net charge-offs (x) | 2.4880% | 3,906 |
| Efficiency ratio | 71.6874% | 3,236 |
| Assets per employee ($millions) | 4.7269% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1702% | 985 |
| Loan loss allowance to noncurrent loans | 95.0274% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 2.0991% | 1,335 |
| Noncurrent loans to loans | 2.2837% | 1,310 |
| Net loans and leases to total assets | 60.0358% | 3,780 |
| Net loans and leases to deposits | 72.6557% | 3,606 |
| Net loans and leases to core deposits | 76.5794% | 3,681 |
| Total domestic deposits to total assets | 82.6306% | 4,257 |
| Equity capital to assets | 11.3546% | 2,624 |
| Core capital (leverage) ratio | 12.0430% | 1,678 |
| Tier 1 risk-based capital ratio | 19.9271% | 1,692 |
| Total risk-based capital ratio | 21.1897% | 1,660 |
| Memoranda: | ||
| Average total assets | $819,115,750 | 827 |
| Average earning assets | $754,204,500 | 812 |
| Average equity | $63,548,250 | 1,161 |
| Average total loans | $534,054,750 | 828 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 1,775 |
| Cost of funding earning assets | 0.8301% | 609 |
| Net interest margin | 3.6894% | 3,004 |
| Noninterest income to average assets | 0.4065% | 4,199 |
| Noninterest expense to average assets | 2.6811% | 3,936 |
| Loan and lease loss provision to assets | 0.0028% | 4,160 |
| Net operating income to assets | 0.6721% | 3,979 |
| Return on assets (ROA) | 0.7207% | 3,826 |
| Pretax return on assets | 1.1837% | 2,744 |
| Return on Equity (ROE) | 11.2101% | 1,664 |
| Retained earnings to average equity (ytd only) | 11.2101% | 511 |
| Net charge-offs to loans | 1.0168% | 349 |
| Credit loss provision to net charge-offs | 0.4073% | 3,400 |
| Earnings coverage of net charge-offs (x) | 1.6394% | 3,751 |
| Efficiency ratio | 70.7123% | 3,534 |
| Assets per employee ($millions) | 4.4312% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1436% | 1,100 |
| Loan loss allowance to noncurrent loans | 93.4827% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 2.4218% | 1,188 |
| Noncurrent loans to loans | 2.2930% | 1,417 |
| Net loans and leases to total assets | 64.3808% | 3,015 |
| Net loans and leases to deposits | 74.0042% | 3,315 |
| Net loans and leases to core deposits | 78.0241% | 3,435 |
| Total domestic deposits to total assets | 86.9961% | 2,458 |
| Equity capital to assets | 6.6514% | 6,480 |
| Core capital (leverage) ratio | 7.1554% | 6,401 |
| Tier 1 risk-based capital ratio | 11.0174% | 6,045 |
| Total risk-based capital ratio | 12.2695% | 5,983 |
| Memoranda: | ||
| Average total assets | $797,510,330 | 852 |
| Average earning assets | $731,709,000 | 842 |
| Average equity | $51,275,330 | 1,419 |
| Average total loans | $531,257,000 | 827 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8434% | 963 |
| Cost of funding earning assets | 0.8428% | 605 |
| Net interest margin | 4.0005% | 1,757 |
| Noninterest income to average assets | 0.3998% | 4,189 |
| Noninterest expense to average assets | 2.7869% | 3,618 |
| Loan and lease loss provision to assets | 0.0025% | 3,789 |
| Net operating income to assets | 1.1163% | 1,747 |
| Return on assets (ROA) | 1.1226% | 1,790 |
| Pretax return on assets | 1.2752% | 2,197 |
| Return on Equity (ROE) | 17.7805% | 454 |
| Retained earnings to average equity (ytd only) | 17.7805% | 188 |
| Net charge-offs to loans | 1.7450% | 167 |
| Credit loss provision to net charge-offs | 0.2174% | 2,686 |
| Earnings coverage of net charge-offs (x) | 1.0861% | 3,183 |
| Efficiency ratio | 68.6850% | 4,068 |
| Assets per employee ($millions) | 4.2868% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2692% | 1,074 |
| Loan loss allowance to noncurrent loans | 132.6234% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 2.2520% | 1,465 |
| Noncurrent loans to loans | 1.7110% | 2,270 |
| Net loans and leases to total assets | 65.2817% | 2,680 |
| Net loans and leases to deposits | 75.1536% | 2,924 |
| Net loans and leases to core deposits | 79.3670% | 3,054 |
| Total domestic deposits to total assets | 86.8644% | 2,900 |
| Equity capital to assets | 6.5688% | 6,517 |
| Core capital (leverage) ratio | 7.2612% | 6,412 |
| Tier 1 risk-based capital ratio | 11.0686% | 6,128 |
| Total risk-based capital ratio | 12.3321% | 6,072 |
| Memoranda: | ||
| Average total assets | $786,384,000 | 867 |
| Average earning assets | $719,003,000 | 860 |
| Average equity | $49,650,000 | 1,451 |
| Average total loans | $527,220,000 | 831 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6170% | 1,814 |
| Cost of funding earning assets | 0.9230% | 657 |
| Net interest margin | 3.6941% | 3,077 |
| Noninterest income to average assets | 0.1573% | 6,148 |
| Noninterest expense to average assets | 2.9161% | 3,324 |
| Loan and lease loss provision to assets | 0.5613% | 462 |
| Net operating income to assets | -0.0371% | 6,247 |
| Return on assets (ROA) | -0.0076% | 6,261 |
| Pretax return on assets | 0.0757% | 6,120 |
| Return on Equity (ROE) | -0.1084% | 6,264 |
| Retained earnings to average equity (ytd only) | -0.1084% | 5,894 |
| Net charge-offs to loans | 0.9266% | 654 |
| Credit loss provision to net charge-offs | 87.4925% | 2,831 |
| Earnings coverage of net charge-offs (x) | 0.9211% | 4,776 |
| Efficiency ratio | 83.1503% | 1,733 |
| Assets per employee ($millions) | 4.2378% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7013% | 665 |
| Loan loss allowance to noncurrent loans | 91.1889% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 3.3334% | 905 |
| Noncurrent loans to loans | 2.9623% | 1,163 |
| Net loans and leases to total assets | 65.4735% | 2,777 |
| Net loans and leases to deposits | 74.9686% | 3,105 |
| Net loans and leases to core deposits | 79.2841% | 3,209 |
| Total domestic deposits to total assets | 87.3345% | 2,560 |
| Equity capital to assets | 6.0570% | 6,616 |
| Core capital (leverage) ratio | 7.0247% | 6,524 |
| Tier 1 risk-based capital ratio | 10.6961% | 6,302 |
| Total risk-based capital ratio | 11.9652% | 6,245 |
| Memoranda: | ||
| Average total assets | $776,403,800 | 865 |
| Average earning assets | $704,042,800 | 858 |
| Average equity | $54,431,200 | 1,309 |
| Average total loans | $537,529,000 | 782 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5551% | 2,019 |
| Cost of funding earning assets | 0.9382% | 676 |
| Net interest margin | 3.6170% | 3,375 |
| Noninterest income to average assets | 0.2725% | 5,495 |
| Noninterest expense to average assets | 2.7230% | 3,929 |
| Loan and lease loss provision to assets | 0.3705% | 847 |
| Net operating income to assets | 0.4465% | 5,040 |
| Return on assets (ROA) | 0.4631% | 5,107 |
| Pretax return on assets | 0.4705% | 5,441 |
| Return on Equity (ROE) | 6.3855% | 3,984 |
| Retained earnings to average equity (ytd only) | 6.3855% | 2,193 |
| Net charge-offs to loans | 0.9175% | 634 |
| Credit loss provision to net charge-offs | 57.9117% | 3,341 |
| Earnings coverage of net charge-offs (x) | 1.2882% | 4,409 |
| Efficiency ratio | 76.7678% | 2,603 |
| Assets per employee ($millions) | 4.2468% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5508% | 884 |
| Loan loss allowance to noncurrent loans | 164.1994% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 3.3271% | 1,058 |
| Noncurrent loans to loans | 1.5535% | 2,834 |
| Net loans and leases to total assets | 65.4299% | 2,729 |
| Net loans and leases to deposits | 74.3313% | 3,186 |
| Net loans and leases to core deposits | 78.6926% | 3,275 |
| Total domestic deposits to total assets | 88.0247% | 2,115 |
| Equity capital to assets | 7.0672% | 6,530 |
| Core capital (leverage) ratio | 7.2188% | 6,539 |
| Tier 1 risk-based capital ratio | 10.5687% | 6,431 |
| Total risk-based capital ratio | 11.8317% | 6,399 |
| Memoranda: | ||
| Average total assets | $774,505,500 | 871 |
| Average earning assets | $701,199,000 | 864 |
| Average equity | $56,167,250 | 1,281 |
| Average total loans | $540,021,000 | 779 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 1,887 |
| Cost of funding earning assets | 0.9578% | 689 |
| Net interest margin | 3.6306% | 3,244 |
| Noninterest income to average assets | 0.2808% | 5,442 |
| Noninterest expense to average assets | 2.7036% | 4,016 |
| Loan and lease loss provision to assets | 0.4105% | 747 |
| Net operating income to assets | 0.4563% | 4,986 |
| Return on assets (ROA) | 0.4819% | 5,053 |
| Pretax return on assets | 0.4819% | 5,431 |
| Return on Equity (ROE) | 6.5887% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.5887% | 2,098 |
| Net charge-offs to loans | 1.0167% | 596 |
| Credit loss provision to net charge-offs | 57.2046% | 3,068 |
| Earnings coverage of net charge-offs (x) | 1.2079% | 4,137 |
| Efficiency ratio | 75.7223% | 2,825 |
| Assets per employee ($millions) | 4.3638% | 3,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5668% | 912 |
| Loan loss allowance to noncurrent loans | 105.0991% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 3.7797% | 968 |
| Noncurrent loans to loans | 2.4423% | 1,918 |
| Net loans and leases to total assets | 67.2592% | 2,371 |
| Net loans and leases to deposits | 76.6177% | 2,781 |
| Net loans and leases to core deposits | 81.1442% | 2,899 |
| Total domestic deposits to total assets | 87.7855% | 2,393 |
| Equity capital to assets | 7.1251% | 6,570 |
| Core capital (leverage) ratio | 7.2043% | 6,563 |
| Tier 1 risk-based capital ratio | 10.5591% | 6,485 |
| Total risk-based capital ratio | 11.8256% | 6,455 |
| Memoranda: | ||
| Average total assets | $773,621,670 | 871 |
| Average earning assets | $700,995,000 | 867 |
| Average equity | $56,582,000 | 1,275 |
| Average total loans | $546,093,670 | 763 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 2,064 |
| Cost of funding earning assets | 0.9786% | 682 |
| Net interest margin | 3.5518% | 3,471 |
| Noninterest income to average assets | 0.3343% | 5,023 |
| Noninterest expense to average assets | 2.7041% | 4,039 |
| Loan and lease loss provision to assets | 0.3715% | 858 |
| Net operating income to assets | 0.4763% | 4,792 |
| Return on assets (ROA) | 0.4763% | 4,957 |
| Pretax return on assets | 0.4763% | 5,336 |
| Return on Equity (ROE) | 6.4300% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.4300% | 2,441 |
| Net charge-offs to loans | 0.8383% | 719 |
| Credit loss provision to net charge-offs | 62.0898% | 2,414 |
| Earnings coverage of net charge-offs (x) | 1.4171% | 3,362 |
| Efficiency ratio | 76.1309% | 2,901 |
| Assets per employee ($millions) | 4.4992% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6517% | 968 |
| Loan loss allowance to noncurrent loans | 87.1468% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 4.5026% | 830 |
| Noncurrent loans to loans | 3.0428% | 1,641 |
| Net loans and leases to total assets | 68.0829% | 1,993 |
| Net loans and leases to deposits | 77.6859% | 2,384 |
| Net loans and leases to core deposits | 83.4376% | 2,399 |
| Total domestic deposits to total assets | 87.6387% | 2,546 |
| Equity capital to assets | 7.4206% | 6,617 |
| Core capital (leverage) ratio | 7.2819% | 6,553 |
| Tier 1 risk-based capital ratio | 10.4869% | 6,582 |
| Total risk-based capital ratio | 11.7550% | 6,559 |
| Memoranda: | ||
| Average total assets | $774,235,500 | 875 |
| Average earning assets | $701,386,000 | 879 |
| Average equity | $57,356,000 | 1,274 |
| Average total loans | $552,544,500 | 754 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6887% | 2,640 |
| Cost of funding earning assets | 1.2287% | 504 |
| Net interest margin | 3.4601% | 4,669 |
| Noninterest income to average assets | 0.1371% | 6,352 |
| Noninterest expense to average assets | 2.6524% | 4,561 |
| Loan and lease loss provision to assets | 0.9609% | 445 |
| Net operating income to assets | -0.3431% | 6,476 |
| Return on assets (ROA) | 0.0584% | 6,221 |
| Pretax return on assets | 0.0584% | 6,214 |
| Return on Equity (ROE) | 0.8382% | 6,162 |
| Retained earnings to average equity (ytd only) | 0.8382% | 5,448 |
| Net charge-offs to loans | 1.6601% | 504 |
| Credit loss provision to net charge-offs | 81.0911% | 3,787 |
| Earnings coverage of net charge-offs (x) | 0.5214% | 5,227 |
| Efficiency ratio | 81.1078% | 1,997 |
| Assets per employee ($millions) | 4.5568% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6527% | 969 |
| Loan loss allowance to noncurrent loans | 83.9059% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 4.8670% | 814 |
| Noncurrent loans to loans | 3.1615% | 1,631 |
| Net loans and leases to total assets | 70.8794% | 1,667 |
| Net loans and leases to deposits | 80.8053% | 2,176 |
| Net loans and leases to core deposits | 86.7758% | 2,214 |
| Total domestic deposits to total assets | 87.7163% | 2,402 |
| Equity capital to assets | 7.3954% | 6,673 |
| Core capital (leverage) ratio | 7.1551% | 6,653 |
| Tier 1 risk-based capital ratio | 10.2171% | 6,643 |
| Total risk-based capital ratio | 11.4856% | 6,604 |
| Memoranda: | ||
| Average total assets | $819,825,800 | 804 |
| Average earning assets | $742,353,600 | 802 |
| Average equity | $57,145,000 | 1,245 |
| Average total loans | $585,223,200 | 703 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6693% | 2,928 |
| Cost of funding earning assets | 1.2896% | 457 |
| Net interest margin | 3.3797% | 5,093 |
| Noninterest income to average assets | 0.0522% | 6,790 |
| Noninterest expense to average assets | 2.5519% | 4,909 |
| Loan and lease loss provision to assets | 0.9921% | 413 |
| Net operating income to assets | -0.4295% | 6,663 |
| Return on assets (ROA) | 0.0445% | 6,353 |
| Pretax return on assets | 0.0445% | 6,346 |
| Return on Equity (ROE) | 0.6481% | 6,316 |
| Retained earnings to average equity (ytd only) | 0.6481% | 5,898 |
| Net charge-offs to loans | 1.8847% | 401 |
| Credit loss provision to net charge-offs | 74.0878% | 3,792 |
| Earnings coverage of net charge-offs (x) | 0.4201% | 5,116 |
| Efficiency ratio | 81.9351% | 1,816 |
| Assets per employee ($millions) | 4.7842% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5642% | 1,123 |
| Loan loss allowance to noncurrent loans | 68.1839% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 5.5743% | 760 |
| Noncurrent loans to loans | 3.7607% | 1,414 |
| Net loans and leases to total assets | 70.0145% | 1,900 |
| Net loans and leases to deposits | 81.3821% | 2,201 |
| Net loans and leases to core deposits | 88.7900% | 2,124 |
| Total domestic deposits to total assets | 86.0318% | 3,239 |
| Equity capital to assets | 7.2770% | 6,826 |
| Core capital (leverage) ratio | 6.8749% | 6,822 |
| Tier 1 risk-based capital ratio | 10.0279% | 6,793 |
| Total risk-based capital ratio | 11.2960% | 6,766 |
| Memoranda: | ||
| Average total assets | $832,257,000 | 791 |
| Average earning assets | $754,096,750 | 799 |
| Average equity | $57,193,250 | 1,251 |
| Average total loans | $591,349,750 | 697 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 3,275 |
| Cost of funding earning assets | 1.3526% | 425 |
| Net interest margin | 3.2681% | 5,538 |
| Noninterest income to average assets | 0.1155% | 6,612 |
| Noninterest expense to average assets | 2.5726% | 4,870 |
| Loan and lease loss provision to assets | 1.0861% | 397 |
| Net operating income to assets | -0.5793% | 6,771 |
| Return on assets (ROA) | 0.0494% | 6,397 |
| Pretax return on assets | 0.0494% | 6,391 |
| Return on Equity (ROE) | 0.7319% | 6,345 |
| Retained earnings to average equity (ytd only) | 0.7319% | 5,766 |
| Net charge-offs to loans | 1.9266% | 446 |
| Credit loss provision to net charge-offs | 79.6155% | 3,328 |
| Earnings coverage of net charge-offs (x) | 0.3715% | 4,896 |
| Efficiency ratio | 83.5430% | 1,680 |
| Assets per employee ($millions) | 5.0208% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6586% | 1,087 |
| Loan loss allowance to noncurrent loans | 46.6176% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 6.5252% | 629 |
| Noncurrent loans to loans | 5.7031% | 797 |
| Net loans and leases to total assets | 69.4920% | 2,011 |
| Net loans and leases to deposits | 80.3082% | 2,340 |
| Net loans and leases to core deposits | 88.9925% | 2,102 |
| Total domestic deposits to total assets | 86.5316% | 3,051 |
| Equity capital to assets | 6.9728% | 6,914 |
| Core capital (leverage) ratio | 6.6945% | 6,888 |
| Tier 1 risk-based capital ratio | 9.6999% | 6,889 |
| Total risk-based capital ratio | 10.9681% | 6,878 |
| Memoranda: | ||
| Average total assets | $846,546,670 | 784 |
| Average earning assets | $767,723,000 | 784 |
| Average equity | $57,109,670 | 1,251 |
| Average total loans | $599,389,330 | 687 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 3,273 |
| Cost of funding earning assets | 1.4114% | 412 |
| Net interest margin | 3.2376% | 5,675 |
| Noninterest income to average assets | 0.0953% | 6,768 |
| Noninterest expense to average assets | 2.7464% | 4,259 |
| Loan and lease loss provision to assets | 1.4878% | 233 |
| Net operating income to assets | -1.2005% | 7,034 |
| Return on assets (ROA) | 0.0339% | 6,476 |
| Pretax return on assets | 0.0339% | 6,475 |
| Return on Equity (ROE) | 0.5111% | 6,438 |
| Retained earnings to average equity (ytd only) | 0.5111% | 5,837 |
| Net charge-offs to loans | 2.3171% | 369 |
| Credit loss provision to net charge-offs | 91.0410% | 2,527 |
| Earnings coverage of net charge-offs (x) | 0.1758% | 4,286 |
| Efficiency ratio | 90.5316% | 1,049 |
| Assets per employee ($millions) | 5.1950% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7401% | 1,070 |
| Loan loss allowance to noncurrent loans | 43.9866% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 6.7514% | 649 |
| Noncurrent loans to loans | 6.2293% | 787 |
| Net loans and leases to total assets | 68.7288% | 1,984 |
| Net loans and leases to deposits | 78.9811% | 2,345 |
| Net loans and leases to core deposits | 90.1534% | 1,840 |
| Total domestic deposits to total assets | 87.0193% | 2,947 |
| Equity capital to assets | 6.6756% | 6,984 |
| Core capital (leverage) ratio | 6.4644% | 6,975 |
| Tier 1 risk-based capital ratio | 9.2879% | 6,997 |
| Total risk-based capital ratio | 10.5550% | 6,994 |
| Memoranda: | ||
| Average total assets | $860,627,500 | 771 |
| Average earning assets | $781,064,000 | 771 |
| Average equity | $57,132,500 | 1,239 |
| Average total loans | $606,961,500 | 682 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7213% | 4,162 |
| Cost of funding earning assets | 1.6689% | 365 |
| Net interest margin | 3.0524% | 6,445 |
| Noninterest income to average assets | -0.3172% | 7,210 |
| Noninterest expense to average assets | 2.6199% | 5,017 |
| Loan and lease loss provision to assets | 2.5836% | 166 |
| Net operating income to assets | -2.7698% | 7,151 |
| Return on assets (ROA) | -2.5944% | 7,133 |
| Pretax return on assets | -2.5820% | 7,132 |
| Return on Equity (ROE) | -36.0913% | 7,139 |
| Retained earnings to average equity (ytd only) | -36.1390% | 7,135 |
| Net charge-offs to loans | 3.6993% | 189 |
| Credit loss provision to net charge-offs | 98.0285% | 3,664 |
| Earnings coverage of net charge-offs (x) | -0.0659% | 5,874 |
| Efficiency ratio | 107.1038% | 494 |
| Assets per employee ($millions) | 5.3648% | 1,763 |
| Cash dividends to net income (ytd only)* | -0.1321% | 7,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7149% | 1,067 |
| Loan loss allowance to noncurrent loans | 40.2190% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 6.6761% | 701 |
| Noncurrent loans to loans | 6.7502% | 673 |
| Net loans and leases to total assets | 68.4793% | 2,310 |
| Net loans and leases to deposits | 79.7344% | 2,572 |
| Net loans and leases to core deposits | 92.5881% | 1,831 |
| Total domestic deposits to total assets | 85.8843% | 3,377 |
| Equity capital to assets | 6.6025% | 7,038 |
| Core capital (leverage) ratio | 6.1591% | 7,040 |
| Tier 1 risk-based capital ratio | 9.0232% | 7,031 |
| Total risk-based capital ratio | 10.2899% | 7,030 |
| Memoranda: | ||
| Average total assets | $933,427,400 | 696 |
| Average earning assets | $845,045,400 | 696 |
| Average equity | $67,099,200 | 1,001 |
| Average total loans | $665,026,000 | 621 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7150% | 4,384 |
| Cost of funding earning assets | 1.7058% | 387 |
| Net interest margin | 3.0093% | 6,567 |
| Noninterest income to average assets | -0.3068% | 7,298 |
| Noninterest expense to average assets | 2.6338% | 4,960 |
| Loan and lease loss provision to assets | 2.6515% | 155 |
| Net operating income to assets | -2.8873% | 7,255 |
| Return on assets (ROA) | -2.6573% | 7,248 |
| Pretax return on assets | -2.6410% | 7,238 |
| Return on Equity (ROE) | -36.2838% | 7,233 |
| Retained earnings to average equity (ytd only) | -36.3452% | 7,226 |
| Net charge-offs to loans | 3.0931% | 301 |
| Credit loss provision to net charge-offs | 119.9873% | 2,710 |
| Earnings coverage of net charge-offs (x) | -0.0993% | 5,663 |
| Efficiency ratio | 109.0920% | 445 |
| Assets per employee ($millions) | 5.3225% | 1,786 |
| Cash dividends to net income (ytd only)* | -0.1694% | 7,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1617% | 755 |
| Loan loss allowance to noncurrent loans | 39.1473% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 7.7967% | 577 |
| Noncurrent loans to loans | 8.0764% | 541 |
| Net loans and leases to total assets | 68.4394% | 2,391 |
| Net loans and leases to deposits | 81.0969% | 2,513 |
| Net loans and leases to core deposits | 94.6941% | 1,723 |
| Total domestic deposits to total assets | 84.3921% | 4,060 |
| Equity capital to assets | 6.8750% | 7,072 |
| Core capital (leverage) ratio | 6.6106% | 7,052 |
| Tier 1 risk-based capital ratio | 9.4484% | 7,059 |
| Total risk-based capital ratio | 10.7223% | 7,055 |
| Memoranda: | ||
| Average total assets | $948,167,500 | 695 |
| Average earning assets | $857,379,250 | 695 |
| Average equity | $69,439,750 | 975 |
| Average total loans | $677,397,500 | 612 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7002% | 4,536 |
| Cost of funding earning assets | 1.7548% | 376 |
| Net interest margin | 2.9453% | 6,703 |
| Noninterest income to average assets | -0.3734% | 7,401 |
| Noninterest expense to average assets | 2.6760% | 4,915 |
| Loan and lease loss provision to assets | 3.1820% | 134 |
| Net operating income to assets | -3.5852% | 7,369 |
| Return on assets (ROA) | -3.2447% | 7,343 |
| Pretax return on assets | -3.2336% | 7,333 |
| Return on Equity (ROE) | -43.4636% | 7,323 |
| Retained earnings to average equity (ytd only) | -43.5528% | 7,321 |
| Net charge-offs to loans | 3.3854% | 270 |
| Credit loss provision to net charge-offs | 131.1176% | 2,331 |
| Earnings coverage of net charge-offs (x) | -0.1616% | 5,383 |
| Efficiency ratio | 117.1710% | 374 |
| Assets per employee ($millions) | 5.3475% | 1,710 |
| Cash dividends to net income (ytd only)* | -0.2053% | 7,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1458% | 797 |
| Loan loss allowance to noncurrent loans | 36.1145% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 8.5636% | 507 |
| Noncurrent loans to loans | 8.7106% | 485 |
| Net loans and leases to total assets | 69.3036% | 2,358 |
| Net loans and leases to deposits | 82.1277% | 2,436 |
| Net loans and leases to core deposits | 98.6840% | 1,451 |
| Total domestic deposits to total assets | 84.3852% | 4,176 |
| Equity capital to assets | 7.0108% | 7,097 |
| Core capital (leverage) ratio | 6.8775% | 7,040 |
| Tier 1 risk-based capital ratio | 9.6331% | 7,077 |
| Total risk-based capital ratio | 10.9066% | 7,079 |
| Memoranda: | ||
| Average total assets | $960,843,000 | 699 |
| Average earning assets | $866,860,670 | 696 |
| Average equity | $71,729,000 | 945 |
| Average total loans | $688,786,000 | 613 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7239% | 4,398 |
| Cost of funding earning assets | 1.8707% | 287 |
| Net interest margin | 2.8532% | 6,827 |
| Noninterest income to average assets | 0.0323% | 7,210 |
| Noninterest expense to average assets | 2.8703% | 4,189 |
| Loan and lease loss provision to assets | 3.9910% | 105 |
| Net operating income to assets | -4.2558% | 7,456 |
| Return on assets (ROA) | -3.5884% | 7,435 |
| Pretax return on assets | -3.5884% | 7,417 |
| Return on Equity (ROE) | -46.7242% | 7,400 |
| Retained earnings to average equity (ytd only) | -46.7242% | 7,386 |
| Net charge-offs to loans | 3.4720% | 290 |
| Credit loss provision to net charge-offs | 160.2133% | 1,798 |
| Earnings coverage of net charge-offs (x) | -0.1063% | 4,643 |
| Efficiency ratio | 110.1647% | 500 |
| Assets per employee ($millions) | 5.3294% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0280% | 898 |
| Loan loss allowance to noncurrent loans | 35.2592% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 8.8636% | 500 |
| Noncurrent loans to loans | 8.5877% | 539 |
| Net loans and leases to total assets | 71.6466% | 1,787 |
| Net loans and leases to deposits | 85.4072% | 1,817 |
| Net loans and leases to core deposits | 104.1176% | 1,057 |
| Total domestic deposits to total assets | 83.8882% | 4,530 |
| Equity capital to assets | 7.5489% | 6,844 |
| Core capital (leverage) ratio | 7.0671% | 6,979 |
| Tier 1 risk-based capital ratio | 10.2782% | 6,905 |
| Total risk-based capital ratio | 11.5506% | 6,889 |
| Memoranda: | ||
| Average total assets | $978,703,500 | 687 |
| Average earning assets | $882,651,500 | 688 |
| Average equity | $75,164,500 | 891 |
| Average total loans | $702,195,500 | 610 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9774% | 4,666 |
| Cost of funding earning assets | 2.0767% | 460 |
| Net interest margin | 2.9007% | 6,893 |
| Noninterest income to average assets | -0.0633% | 7,365 |
| Noninterest expense to average assets | 1.8806% | 7,187 |
| Loan and lease loss provision to assets | 1.7746% | 784 |
| Net operating income to assets | -1.4595% | 6,898 |
| Return on assets (ROA) | -1.3033% | 6,859 |
| Pretax return on assets | -0.9435% | 6,600 |
| Return on Equity (ROE) | -15.1688% | 6,920 |
| Retained earnings to average equity (ytd only) | -15.4362% | 6,894 |
| Net charge-offs to loans | 2.6136% | 702 |
| Credit loss provision to net charge-offs | 97.0465% | 4,784 |
| Earnings coverage of net charge-offs (x) | 0.3690% | 5,737 |
| Efficiency ratio | 73.5929% | 3,475 |
| Assets per employee ($millions) | 5.8557% | 1,310 |
| Cash dividends to net income (ytd only)* | -1.7626% | 7,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4040% | 1,541 |
| Loan loss allowance to noncurrent loans | 28.4316% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 8.0013% | 619 |
| Noncurrent loans to loans | 8.4553% | 586 |
| Net loans and leases to total assets | 68.1253% | 2,958 |
| Net loans and leases to deposits | 87.4267% | 1,875 |
| Net loans and leases to core deposits | 126.5952% | 383 |
| Total domestic deposits to total assets | 77.9227% | 6,332 |
| Equity capital to assets | 7.7993% | 6,672 |
| Core capital (leverage) ratio | 7.6327% | 6,595 |
| Tier 1 risk-based capital ratio | 10.9115% | 6,398 |
| Total risk-based capital ratio | 12.1767% | 6,359 |
| Memoranda: | ||
| Average total assets | $1,066,504,600 | 630 |
| Average earning assets | $962,852,200 | 621 |
| Average equity | $91,635,400 | 729 |
| Average total loans | $746,161,000 | 584 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0143% | 4,743 |
| Cost of funding earning assets | 2.1241% | 494 |
| Net interest margin | 2.8902% | 7,018 |
| Noninterest income to average assets | 0.0518% | 7,258 |
| Noninterest expense to average assets | 1.8665% | 7,249 |
| Loan and lease loss provision to assets | 1.6223% | 796 |
| Net operating income to assets | -0.4461% | 6,557 |
| Return on assets (ROA) | -0.3141% | 6,488 |
| Pretax return on assets | -0.6225% | 6,633 |
| Return on Equity (ROE) | -3.5771% | 6,543 |
| Retained earnings to average equity (ytd only) | -3.9225% | 6,454 |
| Net charge-offs to loans | 1.9219% | 991 |
| Credit loss provision to net charge-offs | 120.5853% | 3,418 |
| Earnings coverage of net charge-offs (x) | 0.5899% | 5,433 |
| Efficiency ratio | 70.1666% | 4,028 |
| Assets per employee ($millions) | 6.1384% | 1,152 |
| Cash dividends to net income (ytd only)* | -9.6571% | 7,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6991% | 1,083 |
| Loan loss allowance to noncurrent loans | 44.5615% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 6.3069% | 912 |
| Noncurrent loans to loans | 6.0570% | 1,023 |
| Net loans and leases to total assets | 67.1470% | 3,424 |
| Net loans and leases to deposits | 88.2421% | 1,979 |
| Net loans and leases to core deposits | 113.9899% | 832 |
| Total domestic deposits to total assets | 76.0941% | 6,635 |
| Equity capital to assets | 8.6723% | 6,070 |
| Core capital (leverage) ratio | 8.4725% | 5,556 |
| Tier 1 risk-based capital ratio | 12.1239% | 5,342 |
| Total risk-based capital ratio | 13.3916% | 5,289 |
| Memoranda: | ||
| Average total assets | $1,076,942,000 | 617 |
| Average earning assets | $971,915,750 | 615 |
| Average equity | $94,563,250 | 710 |
| Average total loans | $753,873,000 | 577 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0260% | 4,820 |
| Cost of funding earning assets | 2.1662% | 514 |
| Net interest margin | 2.8598% | 7,068 |
| Noninterest income to average assets | 0.0701% | 7,229 |
| Noninterest expense to average assets | 1.8452% | 7,338 |
| Loan and lease loss provision to assets | 1.4687% | 910 |
| Net operating income to assets | -0.3481% | 6,521 |
| Return on assets (ROA) | -0.1516% | 6,356 |
| Pretax return on assets | -0.3570% | 6,477 |
| Return on Equity (ROE) | -1.7194% | 6,396 |
| Retained earnings to average equity (ytd only) | -2.0667% | 6,155 |
| Net charge-offs to loans | 1.5738% | 1,206 |
| Credit loss provision to net charge-offs | 132.6907% | 3,034 |
| Earnings coverage of net charge-offs (x) | 0.7269% | 5,021 |
| Efficiency ratio | 69.6359% | 4,256 |
| Assets per employee ($millions) | 6.1656% | 1,120 |
| Cash dividends to net income (ytd only)* | -20.1958% | 7,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6436% | 1,141 |
| Loan loss allowance to noncurrent loans | 41.7097% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 6.6151% | 835 |
| Noncurrent loans to loans | 6.3380% | 967 |
| Net loans and leases to total assets | 67.3154% | 3,544 |
| Net loans and leases to deposits | 88.5531% | 2,085 |
| Net loans and leases to core deposits | 121.1445% | 662 |
| Total domestic deposits to total assets | 76.0170% | 6,687 |
| Equity capital to assets | 8.7846% | 5,776 |
| Core capital (leverage) ratio | 8.6782% | 5,114 |
| Tier 1 risk-based capital ratio | 12.2047% | 5,126 |
| Total risk-based capital ratio | 13.4714% | 5,077 |
| Memoranda: | ||
| Average total assets | $1,077,847,670 | 613 |
| Average earning assets | $972,224,670 | 612 |
| Average equity | $95,031,000 | 697 |
| Average total loans | $758,057,670 | 573 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2094% | 3,966 |
| Cost of funding earning assets | 2.2220% | 551 |
| Net interest margin | 2.9874% | 6,859 |
| Noninterest income to average assets | 0.0765% | 7,318 |
| Noninterest expense to average assets | 1.8732% | 7,377 |
| Loan and lease loss provision to assets | 1.4291% | 829 |
| Net operating income to assets | -0.2651% | 6,617 |
| Return on assets (ROA) | -0.0650% | 6,474 |
| Pretax return on assets | -0.2176% | 6,572 |
| Return on Equity (ROE) | -0.7356% | 6,493 |
| Retained earnings to average equity (ytd only) | -0.9753% | 6,043 |
| Net charge-offs to loans | 1.7611% | 984 |
| Credit loss provision to net charge-offs | 114.4174% | 3,038 |
| Earnings coverage of net charge-offs (x) | 0.7197% | 4,385 |
| Efficiency ratio | 67.5730% | 4,810 |
| Assets per employee ($millions) | 6.0319% | 1,239 |
| Cash dividends to net income (ytd only)* | -32.5714% | 7,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4146% | 1,404 |
| Loan loss allowance to noncurrent loans | 52.1435% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 5.5150% | 1,121 |
| Noncurrent loans to loans | 4.6307% | 1,604 |
| Net loans and leases to total assets | 68.7216% | 3,228 |
| Net loans and leases to deposits | 91.1203% | 1,740 |
| Net loans and leases to core deposits | 107.6608% | 1,446 |
| Total domestic deposits to total assets | 75.4186% | 6,844 |
| Equity capital to assets | 8.8328% | 5,489 |
| Core capital (leverage) ratio | 8.7805% | 4,885 |
| Tier 1 risk-based capital ratio | 12.2002% | 4,993 |
| Total risk-based capital ratio | 13.4643% | 4,952 |
| Memoranda: | ||
| Average total assets | $1,077,284,500 | 627 |
| Average earning assets | $972,091,500 | 627 |
| Average equity | $95,154,500 | 696 |
| Average total loans | $764,067,500 | 592 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5909% | 3,657 |
| Cost of funding earning assets | 2.5224% | 972 |
| Net interest margin | 3.0685% | 6,474 |
| Noninterest income to average assets | -0.1896% | 7,853 |
| Noninterest expense to average assets | 1.9854% | 7,383 |
| Loan and lease loss provision to assets | 1.9672% | 1,110 |
| Net operating income to assets | -0.7500% | 6,402 |
| Return on assets (ROA) | -0.6683% | 6,333 |
| Pretax return on assets | -1.1988% | 6,541 |
| Return on Equity (ROE) | -7.3162% | 6,411 |
| Retained earnings to average equity (ytd only) | -7.6680% | 6,306 |
| Net charge-offs to loans | 2.1666% | 1,109 |
| Credit loss provision to net charge-offs | 126.6945% | 4,110 |
| Earnings coverage of net charge-offs (x) | 0.4127% | 5,698 |
| Efficiency ratio | 75.6016% | 3,594 |
| Assets per employee ($millions) | 6.0385% | 1,220 |
| Cash dividends to net income (ytd only)* | -4.8094% | 7,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3019% | 1,480 |
| Loan loss allowance to noncurrent loans | 82.8949% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 4.0955% | 1,610 |
| Noncurrent loans to loans | 2.7768% | 2,781 |
| Net loans and leases to total assets | 69.7811% | 3,312 |
| Net loans and leases to deposits | 95.3631% | 1,406 |
| Net loans and leases to core deposits | 115.2324% | 2,393 |
| Total domestic deposits to total assets | 73.1742% | 7,134 |
| Equity capital to assets | 8.8328% | 5,377 |
| Core capital (leverage) ratio | 8.5532% | 5,185 |
| Tier 1 risk-based capital ratio | 12.0969% | 4,853 |
| Total risk-based capital ratio | 13.3600% | 4,811 |
| Memoranda: | ||
| Average total assets | $1,110,770,800 | 602 |
| Average earning assets | $1,019,268,000 | 595 |
| Average equity | $101,460,400 | 646 |
| Average total loans | $796,046,200 | 575 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5814% | 3,966 |
| Cost of funding earning assets | 2.5648% | 1,121 |
| Net interest margin | 3.0166% | 6,559 |
| Noninterest income to average assets | 0.1451% | 7,137 |
| Noninterest expense to average assets | 2.0374% | 7,314 |
| Loan and lease loss provision to assets | 1.3281% | 1,457 |
| Net operating income to assets | -0.2080% | 6,079 |
| Return on assets (ROA) | -0.1056% | 5,930 |
| Pretax return on assets | -0.2811% | 6,079 |
| Return on Equity (ROE) | -1.1474% | 5,959 |
| Retained earnings to average equity (ytd only) | -1.5152% | 5,615 |
| Net charge-offs to loans | 2.2744% | 835 |
| Credit loss provision to net charge-offs | 81.4135% | 5,723 |
| Earnings coverage of net charge-offs (x) | 0.5437% | 5,487 |
| Efficiency ratio | 69.6702% | 4,652 |
| Assets per employee ($millions) | 6.0378% | 1,196 |
| Cash dividends to net income (ytd only)* | -32.0545% | 7,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 4,185 |
| Loan loss allowance to noncurrent loans | 38.2971% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 4.3222% | 1,431 |
| Noncurrent loans to loans | 3.5336% | 2,118 |
| Net loans and leases to total assets | 70.4754% | 3,395 |
| Net loans and leases to deposits | 101.8318% | 938 |
| Net loans and leases to core deposits | 123.0314% | 1,992 |
| Total domestic deposits to total assets | 69.2077% | 7,483 |
| Equity capital to assets | 9.4352% | 4,828 |
| Core capital (leverage) ratio | 9.1010% | 4,488 |
| Tier 1 risk-based capital ratio | 12.7214% | 4,372 |
| Total risk-based capital ratio | 13.9726% | 4,324 |
| Memoranda: | ||
| Average total assets | $1,118,240,750 | 606 |
| Average earning assets | $1,030,268,750 | 590 |
| Average equity | $102,957,250 | 643 |
| Average total loans | $802,050,500 | 590 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6048% | 4,053 |
| Cost of funding earning assets | 2.6224% | 1,226 |
| Net interest margin | 2.9824% | 6,602 |
| Noninterest income to average assets | 0.4254% | 5,076 |
| Noninterest expense to average assets | 2.0704% | 7,331 |
| Loan and lease loss provision to assets | 1.3460% | 1,285 |
| Net operating income to assets | -0.1711% | 6,137 |
| Return on assets (ROA) | 0.0676% | 5,749 |
| Pretax return on assets | 0.0025% | 5,861 |
| Return on Equity (ROE) | 0.7399% | 5,714 |
| Retained earnings to average equity (ytd only) | 0.3310% | 5,088 |
| Net charge-offs to loans | 2.1929% | 831 |
| Credit loss provision to net charge-offs | 85.4675% | 5,052 |
| Earnings coverage of net charge-offs (x) | 0.7047% | 5,011 |
| Efficiency ratio | 65.1029% | 5,697 |
| Assets per employee ($millions) | 6.1648% | 1,119 |
| Cash dividends to net income (ytd only)* | 55.2632% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 3,255 |
| Loan loss allowance to noncurrent loans | 32.4590% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 4.8604% | 1,120 |
| Noncurrent loans to loans | 4.5877% | 1,395 |
| Net loans and leases to total assets | 70.0444% | 3,699 |
| Net loans and leases to deposits | 101.5144% | 1,115 |
| Net loans and leases to core deposits | 124.3905% | 1,986 |
| Total domestic deposits to total assets | 68.9995% | 7,556 |
| Equity capital to assets | 9.0861% | 5,186 |
| Core capital (leverage) ratio | 9.1468% | 4,392 |
| Tier 1 risk-based capital ratio | 12.6365% | 4,406 |
| Total risk-based capital ratio | 13.8894% | 4,324 |
| Memoranda: | ||
| Average total assets | $1,124,694,000 | 613 |
| Average earning assets | $1,038,903,330 | 601 |
| Average equity | $102,715,670 | 656 |
| Average total loans | $807,712,330 | 602 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7392% | 3,591 |
| Cost of funding earning assets | 2.6616% | 1,369 |
| Net interest margin | 3.0776% | 6,262 |
| Noninterest income to average assets | 0.5744% | 3,727 |
| Noninterest expense to average assets | 1.9324% | 7,489 |
| Loan and lease loss provision to assets | 1.1637% | 1,117 |
| Net operating income to assets | 0.2452% | 5,504 |
| Return on assets (ROA) | 0.4057% | 5,015 |
| Pretax return on assets | 0.5520% | 4,908 |
| Return on Equity (ROE) | 4.4306% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.0427% | 3,652 |
| Net charge-offs to loans | 1.8561% | 781 |
| Credit loss provision to net charge-offs | 86.8735% | 4,068 |
| Earnings coverage of net charge-offs (x) | 1.1167% | 4,193 |
| Efficiency ratio | 56.3672% | 6,917 |
| Assets per employee ($millions) | 6.2116% | 1,085 |
| Cash dividends to net income (ytd only)* | 8.7566% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5677% | 2,660 |
| Loan loss allowance to noncurrent loans | 27.4833% | 6,724 |
| Noncurrent assets plus other real estate owned to assets | 4.6726% | 1,008 |
| Noncurrent loans to loans | 5.7042% | 869 |
| Net loans and leases to total assets | 69.9947% | 3,669 |
| Net loans and leases to deposits | 105.0193% | 940 |
| Net loans and leases to core deposits | 130.9083% | 1,605 |
| Total domestic deposits to total assets | 66.6494% | 7,692 |
| Equity capital to assets | 9.1159% | 5,205 |
| Core capital (leverage) ratio | 9.2031% | 4,392 |
| Tier 1 risk-based capital ratio | 12.6304% | 4,447 |
| Total risk-based capital ratio | 13.8843% | 4,363 |
| Memoranda: | ||
| Average total assets | $1,126,042,000 | 615 |
| Average earning assets | $1,044,189,000 | 605 |
| Average equity | $103,100,500 | 649 |
| Average total loans | $812,680,000 | 607 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5506% | 2,715 |
| Cost of funding earning assets | 3.2370% | 1,079 |
| Net interest margin | 3.3136% | 5,988 |
| Noninterest income to average assets | 0.3508% | 5,922 |
| Noninterest expense to average assets | 1.9781% | 7,482 |
| Loan and lease loss provision to assets | 0.5760% | 2,520 |
| Net operating income to assets | 0.5952% | 4,318 |
| Return on assets (ROA) | 0.6560% | 3,930 |
| Pretax return on assets | 0.9616% | 3,515 |
| Return on Equity (ROE) | 7.2179% | 3,422 |
| Retained earnings to average equity (ytd only) | 6.6035% | 1,298 |
| Net charge-offs to loans | 0.3131% | 3,297 |
| Credit loss provision to net charge-offs | 242.1053% | 1,930 |
| Earnings coverage of net charge-offs (x) | 6.0869% | 3,442 |
| Efficiency ratio | 57.7330% | 6,744 |
| Assets per employee ($millions) | 5.9328% | 1,172 |
| Cash dividends to net income (ytd only)* | 8.5124% | 4,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 2,192 |
| Loan loss allowance to noncurrent loans | 31.2963% | 6,637 |
| Noncurrent assets plus other real estate owned to assets | 4.2679% | 920 |
| Noncurrent loans to loans | 5.1493% | 832 |
| Net loans and leases to total assets | 72.0731% | 3,568 |
| Net loans and leases to deposits | 112.2071% | 695 |
| Net loans and leases to core deposits | 140.6898% | 1,229 |
| Total domestic deposits to total assets | 64.2322% | 7,777 |
| Equity capital to assets | 9.1968% | 5,087 |
| Core capital (leverage) ratio | 9.2814% | 4,319 |
| Tier 1 risk-based capital ratio | 12.6040% | 4,364 |
| Total risk-based capital ratio | 13.8588% | 4,270 |
| Memoranda: | ||
| Average total assets | $1,078,094,000 | 615 |
| Average earning assets | $1,000,624,800 | 599 |
| Average equity | $97,978,800 | 682 |
| Average total loans | $819,218,400 | 580 |