Home > Gibraltar Private Bank & Trust Co. > Performance and Condition Ratios
Gibraltar Private Bank & Trust Co., Performance and Condition Ratios
| 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 | 3.9231% | 3,649 |
| Cost of funding earning assets | 0.7152% | 949 |
| Net interest margin | 3.2079% | 4,427 |
| Noninterest income to average assets | 0.3985% | 3,646 |
| Noninterest expense to average assets | 3.2009% | 1,609 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2734% | 4,979 |
| Return on assets (ROA) | 0.2734% | 4,994 |
| Pretax return on assets | 0.3217% | 5,185 |
| Return on Equity (ROE) | 3.0546% | 4,813 |
| Retained earnings to average equity (ytd only) | 3.0546% | 3,478 |
| Net charge-offs to loans | -0.0405% | 5,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8688% | 386 |
| Assets per employee ($millions) | 6.3034% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 1,514 |
| Loan loss allowance to noncurrent loans | 193.1428% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 2,223 |
| Noncurrent loans to loans | 0.7604% | 2,301 |
| Net loans and leases to total assets | 90.5192% | 61 |
| Net loans and leases to deposits | 138.4773% | 25 |
| Net loans and leases to core deposits | 155.4438% | 108 |
| Total domestic deposits to total assets | 65.3675% | 5,532 |
| Equity capital to assets | 9.1378% | 4,588 |
| Core capital (leverage) ratio | 9.0182% | 4,629 |
| Tier 1 risk-based capital ratio | 12.3808% | 4,275 |
| Total risk-based capital ratio | 13.6392% | 4,184 |
| Memoranda: | ||
| Average total assets | $1,607,023,200 | 490 |
| Average earning assets | $1,565,004,200 | 460 |
| Average equity | $143,847,600 | 563 |
| Average total loans | $1,460,176,800 | 400 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8965% | 3,690 |
| Cost of funding earning assets | 0.7039% | 946 |
| Net interest margin | 3.1925% | 4,465 |
| Noninterest income to average assets | 0.4203% | 3,562 |
| Noninterest expense to average assets | 3.2220% | 1,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2022% | 5,354 |
| Return on assets (ROA) | 0.2022% | 5,366 |
| Pretax return on assets | 0.3046% | 5,308 |
| Return on Equity (ROE) | 2.2708% | 5,266 |
| Retained earnings to average equity (ytd only) | 2.2708% | 4,505 |
| Net charge-offs to loans | -0.0429% | 5,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3630% | 361 |
| Assets per employee ($millions) | 5.8873% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4725% | 1,634 |
| Loan loss allowance to noncurrent loans | 215.8458% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.6216% | 2,650 |
| Noncurrent loans to loans | 0.6822% | 2,660 |
| Net loans and leases to total assets | 89.7668% | 88 |
| Net loans and leases to deposits | 135.6259% | 25 |
| Net loans and leases to core deposits | 151.2202% | 116 |
| Total domestic deposits to total assets | 66.1870% | 5,582 |
| Equity capital to assets | 8.9854% | 4,926 |
| Core capital (leverage) ratio | 9.0204% | 4,718 |
| Tier 1 risk-based capital ratio | 12.3395% | 4,415 |
| Total risk-based capital ratio | 13.5979% | 4,320 |
| Memoranda: | ||
| Average total assets | $1,606,936,000 | 496 |
| Average earning assets | $1,563,519,250 | 465 |
| Average equity | $143,090,000 | 571 |
| Average total loans | $1,456,054,000 | 402 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 3,666 |
| Cost of funding earning assets | 0.6836% | 971 |
| Net interest margin | 3.1813% | 4,472 |
| Noninterest income to average assets | 0.4651% | 3,250 |
| Noninterest expense to average assets | 3.2531% | 1,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2133% | 5,379 |
| Return on assets (ROA) | 0.2133% | 5,392 |
| Pretax return on assets | 0.3052% | 5,332 |
| Return on Equity (ROE) | 2.4031% | 5,257 |
| Retained earnings to average equity (ytd only) | 2.4031% | 4,244 |
| Net charge-offs to loans | -0.0297% | 4,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4230% | 382 |
| Assets per employee ($millions) | 5.6783% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,626 |
| Loan loss allowance to noncurrent loans | 238.7097% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5656% | 2,873 |
| Noncurrent loans to loans | 0.6224% | 2,867 |
| Net loans and leases to total assets | 89.5236% | 92 |
| Net loans and leases to deposits | 129.4970% | 45 |
| Net loans and leases to core deposits | 140.4161% | 183 |
| Total domestic deposits to total assets | 69.1318% | 5,566 |
| Equity capital to assets | 9.0959% | 4,809 |
| Core capital (leverage) ratio | 9.0222% | 4,697 |
| Tier 1 risk-based capital ratio | 12.0813% | 4,580 |
| Total risk-based capital ratio | 13.3392% | 4,447 |
| Memoranda: | ||
| Average total assets | $1,606,834,000 | 494 |
| Average earning assets | $1,562,335,670 | 467 |
| Average equity | $142,647,670 | 572 |
| Average total loans | $1,453,294,670 | 402 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9004% | 3,401 |
| Cost of funding earning assets | 0.6466% | 1,091 |
| Net interest margin | 3.2538% | 4,155 |
| Noninterest income to average assets | 0.5236% | 2,811 |
| Noninterest expense to average assets | 3.3192% | 1,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2813% | 5,242 |
| Return on assets (ROA) | 0.2813% | 5,255 |
| Pretax return on assets | 0.3632% | 5,218 |
| Return on Equity (ROE) | 3.2072% | 5,043 |
| Retained earnings to average equity (ytd only) | 3.2072% | 3,825 |
| Net charge-offs to loans | 0.0060% | 2,764 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 66.9091% | 742 |
| Efficiency ratio | 90.1360% | 551 |
| Assets per employee ($millions) | 5.8298% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 1,847 |
| Loan loss allowance to noncurrent loans | 260.3979% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.6049% | 2,830 |
| Noncurrent loans to loans | 0.5591% | 3,127 |
| Net loans and leases to total assets | 88.0087% | 106 |
| Net loans and leases to deposits | 135.3572% | 25 |
| Net loans and leases to core deposits | 145.8713% | 125 |
| Total domestic deposits to total assets | 65.0196% | 5,727 |
| Equity capital to assets | 8.8114% | 4,990 |
| Core capital (leverage) ratio | 8.8450% | 4,911 |
| Tier 1 risk-based capital ratio | 11.8016% | 4,849 |
| Total risk-based capital ratio | 13.0589% | 4,750 |
| Memoranda: | ||
| Average total assets | $1,620,970,500 | 488 |
| Average earning assets | $1,573,688,500 | 465 |
| Average equity | $142,179,000 | 566 |
| Average total loans | $1,462,694,000 | 399 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0486% | 3,029 |
| Cost of funding earning assets | 0.6140% | 1,245 |
| Net interest margin | 3.4346% | 3,687 |
| Noninterest income to average assets | 0.4898% | 3,306 |
| Noninterest expense to average assets | 3.6608% | 930 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1113% | 5,548 |
| Return on assets (ROA) | 0.1113% | 5,578 |
| Pretax return on assets | 0.1113% | 5,583 |
| Return on Equity (ROE) | 1.2970% | 5,517 |
| Retained earnings to average equity (ytd only) | 1.2970% | 4,763 |
| Net charge-offs to loans | -0.0940% | 5,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0498% | 282 |
| Assets per employee ($millions) | 5.6490% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 1,974 |
| Loan loss allowance to noncurrent loans | 222.7796% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6895% | 2,644 |
| Noncurrent loans to loans | 0.6407% | 2,932 |
| Net loans and leases to total assets | 89.8609% | 72 |
| Net loans and leases to deposits | 144.8901% | 12 |
| Net loans and leases to core deposits | 155.2403% | 95 |
| Total domestic deposits to total assets | 62.0200% | 5,805 |
| Equity capital to assets | 8.7310% | 5,076 |
| Core capital (leverage) ratio | 8.7718% | 5,000 |
| Tier 1 risk-based capital ratio | 11.7700% | 4,882 |
| Total risk-based capital ratio | 13.0272% | 4,774 |
| Memoranda: | ||
| Average total assets | $1,618,394,000 | 476 |
| Average earning assets | $1,546,620,600 | 453 |
| Average equity | $138,864,000 | 570 |
| Average total loans | $1,459,209,200 | 381 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1151% | 2,820 |
| Cost of funding earning assets | 0.6209% | 1,196 |
| Net interest margin | 3.4941% | 3,491 |
| Noninterest income to average assets | 0.4271% | 3,719 |
| Noninterest expense to average assets | 3.6408% | 933 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1137% | 5,609 |
| Return on assets (ROA) | 0.1137% | 5,662 |
| Pretax return on assets | 0.1137% | 5,662 |
| Return on Equity (ROE) | 1.3305% | 5,596 |
| Retained earnings to average equity (ytd only) | 1.3305% | 4,982 |
| Net charge-offs to loans | -0.1190% | 5,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9727% | 287 |
| Assets per employee ($millions) | 5.7597% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 1,972 |
| Loan loss allowance to noncurrent loans | 129.0820% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.1110% | 1,827 |
| Noncurrent loans to loans | 1.1246% | 2,001 |
| Net loans and leases to total assets | 87.8605% | 140 |
| Net loans and leases to deposits | 138.2835% | 23 |
| Net loans and leases to core deposits | 146.7589% | 146 |
| Total domestic deposits to total assets | 63.5365% | 5,853 |
| Equity capital to assets | 8.5899% | 5,480 |
| Core capital (leverage) ratio | 8.5463% | 5,320 |
| Tier 1 risk-based capital ratio | 11.8903% | 4,857 |
| Total risk-based capital ratio | 13.1547% | 4,741 |
| Memoranda: | ||
| Average total assets | $1,617,677,250 | 476 |
| Average earning assets | $1,540,447,750 | 452 |
| Average equity | $138,191,750 | 572 |
| Average total loans | $1,454,518,000 | 382 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1030% | 2,844 |
| Cost of funding earning assets | 0.6283% | 1,150 |
| Net interest margin | 3.4747% | 3,591 |
| Noninterest income to average assets | 0.3474% | 4,293 |
| Noninterest expense to average assets | 3.6734% | 912 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0157% | 5,776 |
| Return on assets (ROA) | -0.0157% | 5,802 |
| Pretax return on assets | -0.0157% | 5,797 |
| Return on Equity (ROE) | -0.1844% | 5,804 |
| Retained earnings to average equity (ytd only) | -0.1844% | 5,323 |
| Net charge-offs to loans | -0.0825% | 5,553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4299% | 235 |
| Assets per employee ($millions) | 5.6542% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 2,350 |
| Loan loss allowance to noncurrent loans | 218.0453% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 2,976 |
| Noncurrent loans to loans | 0.6361% | 3,169 |
| Net loans and leases to total assets | 88.4309% | 118 |
| Net loans and leases to deposits | 134.4474% | 28 |
| Net loans and leases to core deposits | 141.9003% | 171 |
| Total domestic deposits to total assets | 65.7736% | 5,892 |
| Equity capital to assets | 8.4502% | 5,623 |
| Core capital (leverage) ratio | 8.4719% | 5,387 |
| Tier 1 risk-based capital ratio | 11.8918% | 4,902 |
| Total risk-based capital ratio | 13.1570% | 4,793 |
| Memoranda: | ||
| Average total assets | $1,615,490,330 | 478 |
| Average earning assets | $1,539,087,670 | 451 |
| Average equity | $137,749,000 | 577 |
| Average total loans | $1,456,662,330 | 383 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 3,507 |
| Cost of funding earning assets | 0.6401% | 1,102 |
| Net interest margin | 3.2810% | 4,298 |
| Noninterest income to average assets | 0.3160% | 4,469 |
| Noninterest expense to average assets | 3.6962% | 900 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.2465% | 5,897 |
| Return on assets (ROA) | -0.2465% | 5,906 |
| Pretax return on assets | -0.2465% | 5,901 |
| Return on Equity (ROE) | -2.8783% | 5,934 |
| Retained earnings to average equity (ytd only) | -2.8783% | 5,462 |
| Net charge-offs to loans | -0.0319% | 5,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.1470% | 184 |
| Assets per employee ($millions) | 5.9208% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 2,630 |
| Loan loss allowance to noncurrent loans | 164.4343% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.8369% | 2,592 |
| Noncurrent loans to loans | 0.8239% | 2,777 |
| Net loans and leases to total assets | 87.7600% | 127 |
| Net loans and leases to deposits | 125.8855% | 53 |
| Net loans and leases to core deposits | 132.2529% | 239 |
| Total domestic deposits to total assets | 69.7142% | 5,877 |
| Equity capital to assets | 8.3317% | 5,675 |
| Core capital (leverage) ratio | 8.4552% | 5,432 |
| Tier 1 risk-based capital ratio | 11.8370% | 5,024 |
| Total risk-based capital ratio | 13.0994% | 4,919 |
| Memoranda: | ||
| Average total assets | $1,606,199,000 | 480 |
| Average earning assets | $1,534,039,500 | 454 |
| Average equity | $137,582,000 | 576 |
| Average total loans | $1,452,318,500 | 378 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 3,381 |
| Cost of funding earning assets | 0.6296% | 1,178 |
| Net interest margin | 3.3503% | 4,107 |
| Noninterest income to average assets | 0.4977% | 3,345 |
| Noninterest expense to average assets | 3.6302% | 1,070 |
| Loan and lease loss provision to assets | -0.2877% | 6,053 |
| Net operating income to assets | 0.3585% | 5,187 |
| Return on assets (ROA) | 0.3585% | 5,271 |
| Pretax return on assets | 0.3585% | 5,413 |
| Return on Equity (ROE) | 4.1631% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.1631% | 3,031 |
| Net charge-offs to loans | -0.2030% | 5,954 |
| Credit loss provision to net charge-offs | 156.9585% | 1,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0891% | 335 |
| Assets per employee ($millions) | 5.8667% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 2,560 |
| Loan loss allowance to noncurrent loans | 167.6556% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.8774% | 2,475 |
| Noncurrent loans to loans | 0.8168% | 2,740 |
| Net loans and leases to total assets | 90.6886% | 47 |
| Net loans and leases to deposits | 131.1140% | 43 |
| Net loans and leases to core deposits | 137.5800% | 193 |
| Total domestic deposits to total assets | 69.1677% | 5,930 |
| Equity capital to assets | 8.8116% | 5,297 |
| Core capital (leverage) ratio | 8.7898% | 5,125 |
| Tier 1 risk-based capital ratio | 12.1649% | 4,852 |
| Total risk-based capital ratio | 13.4273% | 4,744 |
| Memoranda: | ||
| Average total assets | $1,563,886,800 | 456 |
| Average earning assets | $1,495,271,000 | 434 |
| Average equity | $134,658,600 | 563 |
| Average total loans | $1,412,388,200 | 368 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 3,412 |
| Cost of funding earning assets | 0.6304% | 1,212 |
| Net interest margin | 3.3491% | 4,146 |
| Noninterest income to average assets | 0.4778% | 3,517 |
| Noninterest expense to average assets | 3.7213% | 948 |
| Loan and lease loss provision to assets | -0.3838% | 6,179 |
| Net operating income to assets | 0.3387% | 5,349 |
| Return on assets (ROA) | 0.3387% | 5,431 |
| Pretax return on assets | 0.3387% | 5,577 |
| Return on Equity (ROE) | 3.9566% | 5,044 |
| Retained earnings to average equity (ytd only) | 3.9566% | 3,653 |
| Net charge-offs to loans | -0.2156% | 6,010 |
| Credit loss provision to net charge-offs | 197.9762% | 1,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2273% | 277 |
| Assets per employee ($millions) | 6.0936% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 2,798 |
| Loan loss allowance to noncurrent loans | 168.6800% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.8539% | 2,748 |
| Noncurrent loans to loans | 0.8051% | 2,956 |
| Net loans and leases to total assets | 89.0773% | 90 |
| Net loans and leases to deposits | 120.9029% | 95 |
| Net loans and leases to core deposits | 126.3381% | 332 |
| Total domestic deposits to total assets | 73.6767% | 5,740 |
| Equity capital to assets | 8.7519% | 5,535 |
| Core capital (leverage) ratio | 8.5526% | 5,512 |
| Tier 1 risk-based capital ratio | 12.1267% | 5,008 |
| Total risk-based capital ratio | 13.3948% | 4,905 |
| Memoranda: | ||
| Average total assets | $1,563,255,000 | 457 |
| Average earning assets | $1,492,897,750 | 440 |
| Average equity | $133,816,750 | 570 |
| Average total loans | $1,405,414,750 | 373 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0091% | 3,252 |
| Cost of funding earning assets | 0.6253% | 1,255 |
| Net interest margin | 3.3837% | 3,955 |
| Noninterest income to average assets | 0.5558% | 3,003 |
| Noninterest expense to average assets | 3.9766% | 694 |
| Loan and lease loss provision to assets | -0.5753% | 6,285 |
| Net operating income to assets | 0.3866% | 5,178 |
| Return on assets (ROA) | 0.3866% | 5,287 |
| Pretax return on assets | 0.3866% | 5,494 |
| Return on Equity (ROE) | 4.5503% | 4,802 |
| Retained earnings to average equity (ytd only) | 4.5503% | 3,133 |
| Net charge-offs to loans | -0.3051% | 6,123 |
| Credit loss provision to net charge-offs | 210.0840% | 1,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9818% | 235 |
| Assets per employee ($millions) | 6.0964% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 3,036 |
| Loan loss allowance to noncurrent loans | 240.7248% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 3,412 |
| Noncurrent loans to loans | 0.5558% | 3,790 |
| Net loans and leases to total assets | 88.7180% | 107 |
| Net loans and leases to deposits | 121.6809% | 83 |
| Net loans and leases to core deposits | 125.7051% | 342 |
| Total domestic deposits to total assets | 72.9104% | 5,879 |
| Equity capital to assets | 8.5813% | 5,611 |
| Core capital (leverage) ratio | 8.5468% | 5,490 |
| Tier 1 risk-based capital ratio | 11.9195% | 5,204 |
| Total risk-based capital ratio | 13.1820% | 5,098 |
| Memoranda: | ||
| Average total assets | $1,564,354,000 | 460 |
| Average earning assets | $1,494,267,000 | 442 |
| Average equity | $132,913,670 | 572 |
| Average total loans | $1,404,320,000 | 370 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 3,213 |
| Cost of funding earning assets | 0.6248% | 1,271 |
| Net interest margin | 3.3806% | 3,915 |
| Noninterest income to average assets | 0.4822% | 3,405 |
| Noninterest expense to average assets | 4.1933% | 559 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.4822% | 6,242 |
| Return on assets (ROA) | -0.4822% | 6,252 |
| Pretax return on assets | -0.4822% | 6,239 |
| Return on Equity (ROE) | -5.7042% | 6,271 |
| Retained earnings to average equity (ytd only) | -5.7042% | 5,977 |
| Net charge-offs to loans | -0.1131% | 5,899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.9932% | 171 |
| Assets per employee ($millions) | 5.9800% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 2,280 |
| Loan loss allowance to noncurrent loans | 186.9285% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.9007% | 2,832 |
| Noncurrent loans to loans | 0.8241% | 3,184 |
| Net loans and leases to total assets | 87.7308% | 120 |
| Net loans and leases to deposits | 113.8988% | 162 |
| Net loans and leases to core deposits | 118.3122% | 446 |
| Total domestic deposits to total assets | 77.0252% | 5,606 |
| Equity capital to assets | 8.2495% | 5,905 |
| Core capital (leverage) ratio | 8.2790% | 5,755 |
| Tier 1 risk-based capital ratio | 11.7633% | 5,401 |
| Total risk-based capital ratio | 13.0365% | 5,279 |
| Memoranda: | ||
| Average total assets | $1,557,049,500 | 463 |
| Average earning assets | $1,487,189,000 | 444 |
| Average equity | $131,622,500 | 577 |
| Average total loans | $1,396,568,500 | 368 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0077% | 3,702 |
| Cost of funding earning assets | 0.7005% | 1,108 |
| Net interest margin | 3.3072% | 4,537 |
| Noninterest income to average assets | 0.5758% | 3,019 |
| Noninterest expense to average assets | 3.7915% | 998 |
| Loan and lease loss provision to assets | -0.3849% | 6,414 |
| Net operating income to assets | 0.3472% | 5,383 |
| Return on assets (ROA) | 0.3638% | 5,413 |
| Pretax return on assets | 0.3638% | 5,575 |
| Return on Equity (ROE) | 4.3723% | 4,949 |
| Retained earnings to average equity (ytd only) | 4.3723% | 3,068 |
| Net charge-offs to loans | -0.2216% | 6,278 |
| Credit loss provision to net charge-offs | 196.1425% | 1,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1933% | 384 |
| Assets per employee ($millions) | 5.6645% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 2,272 |
| Loan loss allowance to noncurrent loans | 162.9110% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 1.0581% | 2,634 |
| Noncurrent loans to loans | 0.9492% | 2,953 |
| Net loans and leases to total assets | 88.9081% | 89 |
| Net loans and leases to deposits | 117.3199% | 121 |
| Net loans and leases to core deposits | 121.7169% | 375 |
| Total domestic deposits to total assets | 75.7826% | 5,768 |
| Equity capital to assets | 8.6646% | 5,603 |
| Core capital (leverage) ratio | 8.6363% | 5,399 |
| Tier 1 risk-based capital ratio | 12.2911% | 5,163 |
| Total risk-based capital ratio | 13.5511% | 5,067 |
| Memoranda: | ||
| Average total assets | $1,558,699,000 | 448 |
| Average earning assets | $1,497,774,800 | 426 |
| Average equity | $129,704,000 | 559 |
| Average total loans | $1,380,565,800 | 351 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 3,572 |
| Cost of funding earning assets | 0.7172% | 1,063 |
| Net interest margin | 3.3300% | 4,507 |
| Noninterest income to average assets | 0.5547% | 3,171 |
| Noninterest expense to average assets | 3.6119% | 1,275 |
| Loan and lease loss provision to assets | -0.5108% | 6,532 |
| Net operating income to assets | 0.6514% | 4,213 |
| Return on assets (ROA) | 0.6735% | 4,176 |
| Pretax return on assets | 0.6735% | 4,792 |
| Return on Equity (ROE) | 8.1755% | 3,112 |
| Retained earnings to average equity (ytd only) | 8.1755% | 1,280 |
| Net charge-offs to loans | -0.2927% | 6,384 |
| Credit loss provision to net charge-offs | 198.0198% | 1,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2120% | 584 |
| Assets per employee ($millions) | 5.8936% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 2,423 |
| Loan loss allowance to noncurrent loans | 76.5012% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.9755% | 1,461 |
| Noncurrent loans to loans | 2.0499% | 1,528 |
| Net loans and leases to total assets | 85.3884% | 231 |
| Net loans and leases to deposits | 111.4620% | 190 |
| Net loans and leases to core deposits | 115.9027% | 511 |
| Total domestic deposits to total assets | 76.6076% | 5,744 |
| Equity capital to assets | 8.5913% | 5,732 |
| Core capital (leverage) ratio | 8.5590% | 5,588 |
| Tier 1 risk-based capital ratio | 12.6024% | 5,111 |
| Total risk-based capital ratio | 13.8626% | 5,023 |
| Memoranda: | ||
| Average total assets | $1,566,020,750 | 444 |
| Average earning assets | $1,503,810,750 | 423 |
| Average equity | $129,000,750 | 560 |
| Average total loans | $1,380,425,500 | 349 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0729% | 3,451 |
| Cost of funding earning assets | 0.7140% | 1,120 |
| Net interest margin | 3.3590% | 4,355 |
| Noninterest income to average assets | 0.5331% | 3,249 |
| Noninterest expense to average assets | 3.5973% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1653% | 5,919 |
| Return on assets (ROA) | 0.1984% | 5,899 |
| Pretax return on assets | 0.1984% | 5,950 |
| Return on Equity (ROE) | 2.4436% | 5,714 |
| Retained earnings to average equity (ytd only) | 2.4436% | 4,655 |
| Net charge-offs to loans | -0.2385% | 6,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5690% | 666 |
| Assets per employee ($millions) | 5.7992% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 1,711 |
| Loan loss allowance to noncurrent loans | 74.1987% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 2.4660% | 1,156 |
| Noncurrent loans to loans | 2.4892% | 1,249 |
| Net loans and leases to total assets | 87.7536% | 106 |
| Net loans and leases to deposits | 112.6332% | 156 |
| Net loans and leases to core deposits | 121.3950% | 346 |
| Total domestic deposits to total assets | 77.9109% | 5,651 |
| Equity capital to assets | 8.1629% | 6,052 |
| Core capital (leverage) ratio | 8.1175% | 6,010 |
| Tier 1 risk-based capital ratio | 12.0163% | 5,534 |
| Total risk-based capital ratio | 13.2820% | 5,456 |
| Memoranda: | ||
| Average total assets | $1,565,458,330 | 446 |
| Average earning assets | $1,505,110,670 | 423 |
| Average equity | $127,105,330 | 564 |
| Average total loans | $1,387,244,670 | 343 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 4,163 |
| Cost of funding earning assets | 0.7156% | 1,154 |
| Net interest margin | 3.1653% | 5,029 |
| Noninterest income to average assets | 0.4378% | 3,885 |
| Noninterest expense to average assets | 3.5527% | 1,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0719% | 6,268 |
| Return on assets (ROA) | -0.0719% | 6,275 |
| Pretax return on assets | -0.0719% | 6,268 |
| Return on Equity (ROE) | -0.8884% | 6,288 |
| Retained earnings to average equity (ytd only) | -0.8884% | 5,710 |
| Net charge-offs to loans | -0.0319% | 5,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8603% | 472 |
| Assets per employee ($millions) | 5.8731% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 2,328 |
| Loan loss allowance to noncurrent loans | 47.5863% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 3.6617% | 693 |
| Noncurrent loans to loans | 3.5870% | 798 |
| Net loans and leases to total assets | 89.6268% | 49 |
| Net loans and leases to deposits | 107.7862% | 197 |
| Net loans and leases to core deposits | 116.8010% | 390 |
| Total domestic deposits to total assets | 83.1524% | 4,551 |
| Equity capital to assets | 8.0681% | 6,006 |
| Core capital (leverage) ratio | 8.0005% | 6,117 |
| Tier 1 risk-based capital ratio | 11.5502% | 5,887 |
| Total risk-based capital ratio | 12.8135% | 5,827 |
| Memoranda: | ||
| Average total assets | $1,562,396,500 | 451 |
| Average earning assets | $1,502,060,000 | 424 |
| Average equity | $126,514,500 | 571 |
| Average total loans | $1,378,332,000 | 344 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8499% | 4,632 |
| Cost of funding earning assets | 0.7414% | 1,557 |
| Net interest margin | 3.1085% | 5,285 |
| Noninterest income to average assets | 0.1955% | 5,917 |
| Noninterest expense to average assets | 3.8002% | 1,136 |
| Loan and lease loss provision to assets | -0.4989% | 6,741 |
| Net operating income to assets | -0.6139% | 6,526 |
| Return on assets (ROA) | -0.5824% | 6,521 |
| Pretax return on assets | -0.1424% | 6,322 |
| Return on Equity (ROE) | -7.0501% | 6,536 |
| Retained earnings to average equity (ytd only) | -7.0501% | 6,463 |
| Net charge-offs to loans | -0.1099% | 6,494 |
| Credit loss provision to net charge-offs | 570.2067% | 413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.9610% | 194 |
| Assets per employee ($millions) | 5.4429% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8313% | 1,967 |
| Loan loss allowance to noncurrent loans | 42.5591% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 4.1516% | 626 |
| Noncurrent loans to loans | 4.3028% | 637 |
| Net loans and leases to total assets | 83.6723% | 277 |
| Net loans and leases to deposits | 103.2147% | 352 |
| Net loans and leases to core deposits | 116.0507% | 418 |
| Total domestic deposits to total assets | 81.0663% | 5,154 |
| Equity capital to assets | 8.1270% | 5,920 |
| Core capital (leverage) ratio | 8.0570% | 6,090 |
| Tier 1 risk-based capital ratio | 11.8592% | 5,701 |
| Total risk-based capital ratio | 13.1234% | 5,631 |
| Memoranda: | ||
| Average total assets | $1,603,637,400 | 431 |
| Average earning assets | $1,512,541,600 | 410 |
| Average equity | $132,479,800 | 544 |
| Average total loans | $1,276,735,800 | 350 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9180% | 4,433 |
| Cost of funding earning assets | 0.7521% | 1,593 |
| Net interest margin | 3.1658% | 5,095 |
| Noninterest income to average assets | 0.4064% | 4,483 |
| Noninterest expense to average assets | 3.7155% | 1,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.9191% | 6,697 |
| Return on assets (ROA) | -0.8786% | 6,696 |
| Pretax return on assets | -0.2962% | 6,513 |
| Return on Equity (ROE) | -10.5940% | 6,696 |
| Retained earnings to average equity (ytd only) | -10.5940% | 6,652 |
| Net charge-offs to loans | -0.1404% | 6,578 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7656% | 298 |
| Assets per employee ($millions) | 5.5343% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4930% | 941 |
| Loan loss allowance to noncurrent loans | 46.5316% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 5.0252% | 551 |
| Noncurrent loans to loans | 5.3576% | 526 |
| Net loans and leases to total assets | 80.4757% | 498 |
| Net loans and leases to deposits | 99.3925% | 493 |
| Net loans and leases to core deposits | 112.2311% | 498 |
| Total domestic deposits to total assets | 80.9676% | 5,221 |
| Equity capital to assets | 8.0231% | 6,139 |
| Core capital (leverage) ratio | 7.8769% | 6,291 |
| Tier 1 risk-based capital ratio | 11.9942% | 5,778 |
| Total risk-based capital ratio | 13.2687% | 5,709 |
| Memoranda: | ||
| Average total assets | $1,615,379,500 | 429 |
| Average earning assets | $1,516,691,500 | 412 |
| Average equity | $133,972,000 | 542 |
| Average total loans | $1,264,220,250 | 351 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8972% | 4,489 |
| Cost of funding earning assets | 0.7617% | 1,637 |
| Net interest margin | 3.1356% | 5,174 |
| Noninterest income to average assets | 0.4863% | 3,922 |
| Noninterest expense to average assets | 3.5960% | 1,415 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1071% | 6,410 |
| Return on assets (ROA) | -0.0663% | 6,421 |
| Pretax return on assets | -0.0978% | 6,429 |
| Return on Equity (ROE) | -0.7913% | 6,433 |
| Retained earnings to average equity (ytd only) | -0.7913% | 6,008 |
| Net charge-offs to loans | -0.0666% | 6,371 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4527% | 412 |
| Assets per employee ($millions) | 5.5631% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5423% | 943 |
| Loan loss allowance to noncurrent loans | 40.7597% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 5.2151% | 573 |
| Noncurrent loans to loans | 6.2372% | 430 |
| Net loans and leases to total assets | 76.7852% | 892 |
| Net loans and leases to deposits | 91.6466% | 995 |
| Net loans and leases to core deposits | 106.4446% | 718 |
| Total domestic deposits to total assets | 83.7840% | 4,418 |
| Equity capital to assets | 8.6958% | 5,558 |
| Core capital (leverage) ratio | 8.1593% | 6,054 |
| Tier 1 risk-based capital ratio | 12.8712% | 5,244 |
| Total risk-based capital ratio | 14.1460% | 5,160 |
| Memoranda: | ||
| Average total assets | $1,631,773,000 | 424 |
| Average earning assets | $1,536,112,330 | 410 |
| Average equity | $136,743,330 | 537 |
| Average total loans | $1,254,748,670 | 351 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8283% | 4,725 |
| Cost of funding earning assets | 0.7533% | 1,821 |
| Net interest margin | 3.0750% | 5,352 |
| Noninterest income to average assets | 0.4288% | 4,259 |
| Noninterest expense to average assets | 3.2523% | 2,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0401% | 6,276 |
| Return on assets (ROA) | 0.0401% | 6,359 |
| Pretax return on assets | 0.0763% | 6,296 |
| Return on Equity (ROE) | 0.4871% | 6,333 |
| Retained earnings to average equity (ytd only) | 0.4871% | 5,631 |
| Net charge-offs to loans | 0.1488% | 2,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.6752% | 3,604 |
| Efficiency ratio | 95.5424% | 751 |
| Assets per employee ($millions) | 5.8772% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4530% | 1,170 |
| Loan loss allowance to noncurrent loans | 34.5057% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 5.8596% | 553 |
| Noncurrent loans to loans | 7.1091% | 405 |
| Net loans and leases to total assets | 74.5811% | 999 |
| Net loans and leases to deposits | 88.5978% | 1,087 |
| Net loans and leases to core deposits | 103.2009% | 754 |
| Total domestic deposits to total assets | 84.1795% | 4,402 |
| Equity capital to assets | 8.4639% | 6,050 |
| Core capital (leverage) ratio | 7.9387% | 6,191 |
| Tier 1 risk-based capital ratio | 13.0079% | 5,210 |
| Total risk-based capital ratio | 14.2818% | 5,144 |
| Memoranda: | ||
| Average total assets | $1,666,038,000 | 423 |
| Average earning assets | $1,571,124,500 | 404 |
| Average equity | $137,146,500 | 542 |
| Average total loans | $1,266,297,500 | 349 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1763% | 4,673 |
| Cost of funding earning assets | 0.9233% | 1,796 |
| Net interest margin | 3.2530% | 5,420 |
| Noninterest income to average assets | 0.3363% | 5,053 |
| Noninterest expense to average assets | 3.5100% | 1,788 |
| Loan and lease loss provision to assets | 0.1452% | 3,793 |
| Net operating income to assets | -0.2368% | 6,398 |
| Return on assets (ROA) | -0.2368% | 6,459 |
| Pretax return on assets | -0.2496% | 6,453 |
| Return on Equity (ROE) | -2.8527% | 6,493 |
| Retained earnings to average equity (ytd only) | -2.8527% | 6,254 |
| Net charge-offs to loans | 0.6434% | 1,827 |
| Credit loss provision to net charge-offs | 28.1364% | 5,152 |
| Earnings coverage of net charge-offs (x) | -0.2024% | 5,575 |
| Efficiency ratio | 100.9210% | 526 |
| Assets per employee ($millions) | 6.0853% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3905% | 1,249 |
| Loan loss allowance to noncurrent loans | 32.7791% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 5.9243% | 588 |
| Noncurrent loans to loans | 7.2927% | 423 |
| Net loans and leases to total assets | 73.7728% | 1,225 |
| Net loans and leases to deposits | 86.6682% | 1,422 |
| Net loans and leases to core deposits | 101.7587% | 904 |
| Total domestic deposits to total assets | 85.1209% | 3,809 |
| Equity capital to assets | 8.0118% | 6,400 |
| Core capital (leverage) ratio | 7.4892% | 6,508 |
| Tier 1 risk-based capital ratio | 12.4432% | 5,513 |
| Total risk-based capital ratio | 13.7150% | 5,453 |
| Memoranda: | ||
| Average total assets | $1,642,019,000 | 415 |
| Average earning assets | $1,549,265,200 | 398 |
| Average equity | $136,327,600 | 532 |
| Average total loans | $1,316,992,400 | 333 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 4,511 |
| Cost of funding earning assets | 0.9639% | 1,762 |
| Net interest margin | 3.3201% | 5,310 |
| Noninterest income to average assets | 0.3206% | 5,219 |
| Noninterest expense to average assets | 3.6062% | 1,549 |
| Loan and lease loss provision to assets | 0.1932% | 3,169 |
| Net operating income to assets | -0.3302% | 6,598 |
| Return on assets (ROA) | -0.3302% | 6,651 |
| Pretax return on assets | -0.3570% | 6,632 |
| Return on Equity (ROE) | -3.9413% | 6,671 |
| Retained earnings to average equity (ytd only) | -3.9413% | 6,545 |
| Net charge-offs to loans | 0.7386% | 1,498 |
| Credit loss provision to net charge-offs | 32.1282% | 4,767 |
| Earnings coverage of net charge-offs (x) | -0.2723% | 5,433 |
| Efficiency ratio | 102.6122% | 459 |
| Assets per employee ($millions) | 5.7802% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4137% | 1,335 |
| Loan loss allowance to noncurrent loans | 27.8942% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 7.5494% | 438 |
| Noncurrent loans to loans | 8.6532% | 342 |
| Net loans and leases to total assets | 79.4615% | 556 |
| Net loans and leases to deposits | 98.1223% | 533 |
| Net loans and leases to core deposits | 118.5640% | 336 |
| Total domestic deposits to total assets | 80.9821% | 5,364 |
| Equity capital to assets | 8.3880% | 6,361 |
| Core capital (leverage) ratio | 7.8082% | 6,463 |
| Tier 1 risk-based capital ratio | 11.7671% | 6,072 |
| Total risk-based capital ratio | 13.0398% | 6,044 |
| Memoranda: | ||
| Average total assets | $1,625,034,500 | 416 |
| Average earning assets | $1,528,041,000 | 401 |
| Average equity | $136,160,000 | 531 |
| Average total loans | $1,323,146,250 | 335 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 4,664 |
| Cost of funding earning assets | 1.0088% | 1,719 |
| Net interest margin | 3.2664% | 5,544 |
| Noninterest income to average assets | 0.2889% | 5,497 |
| Noninterest expense to average assets | 3.6029% | 1,576 |
| Loan and lease loss provision to assets | 0.4174% | 1,567 |
| Net operating income to assets | -2.0167% | 7,068 |
| Return on assets (ROA) | -2.0167% | 7,078 |
| Pretax return on assets | -0.6644% | 6,807 |
| Return on Equity (ROE) | -24.0771% | 7,066 |
| Retained earnings to average equity (ytd only) | -24.0771% | 7,052 |
| Net charge-offs to loans | 1.0133% | 1,093 |
| Credit loss provision to net charge-offs | 50.5898% | 4,027 |
| Earnings coverage of net charge-offs (x) | -0.2994% | 5,191 |
| Efficiency ratio | 105.1580% | 413 |
| Assets per employee ($millions) | 5.4031% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5123% | 1,264 |
| Loan loss allowance to noncurrent loans | 25.2798% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 8.9854% | 341 |
| Noncurrent loans to loans | 9.9379% | 272 |
| Net loans and leases to total assets | 81.1547% | 391 |
| Net loans and leases to deposits | 99.1796% | 458 |
| Net loans and leases to core deposits | 118.8664% | 333 |
| Total domestic deposits to total assets | 81.8260% | 5,194 |
| Equity capital to assets | 7.7851% | 6,681 |
| Core capital (leverage) ratio | 7.1790% | 6,759 |
| Tier 1 risk-based capital ratio | 10.7179% | 6,608 |
| Total risk-based capital ratio | 11.9940% | 6,587 |
| Memoranda: | ||
| Average total assets | $1,623,374,330 | 417 |
| Average earning assets | $1,524,253,330 | 403 |
| Average equity | $135,971,330 | 531 |
| Average total loans | $1,321,771,000 | 338 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3581% | 4,487 |
| Cost of funding earning assets | 1.0995% | 1,409 |
| Net interest margin | 3.2585% | 5,613 |
| Noninterest income to average assets | 0.3573% | 5,012 |
| Noninterest expense to average assets | 3.7303% | 1,332 |
| Loan and lease loss provision to assets | -0.2788% | 7,228 |
| Net operating income to assets | -0.0346% | 6,462 |
| Return on assets (ROA) | -0.0346% | 6,559 |
| Pretax return on assets | -0.0427% | 6,565 |
| Return on Equity (ROE) | -0.3992% | 6,577 |
| Retained earnings to average equity (ytd only) | -0.3992% | 6,064 |
| Net charge-offs to loans | 1.1319% | 912 |
| Credit loss provision to net charge-offs | -30.5870% | 5,396 |
| Earnings coverage of net charge-offs (x) | -0.3527% | 4,479 |
| Efficiency ratio | 107.2709% | 383 |
| Assets per employee ($millions) | 5.5078% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4375% | 1,452 |
| Loan loss allowance to noncurrent loans | 27.4528% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 7.9355% | 486 |
| Noncurrent loans to loans | 8.8789% | 395 |
| Net loans and leases to total assets | 78.8896% | 498 |
| Net loans and leases to deposits | 98.0463% | 442 |
| Net loans and leases to core deposits | 117.0728% | 358 |
| Total domestic deposits to total assets | 80.4616% | 5,732 |
| Equity capital to assets | 8.6614% | 5,917 |
| Core capital (leverage) ratio | 8.1790% | 6,057 |
| Tier 1 risk-based capital ratio | 12.3545% | 5,717 |
| Total risk-based capital ratio | 13.6237% | 5,663 |
| Memoranda: | ||
| Average total assets | $1,629,995,500 | 414 |
| Average earning assets | $1,526,453,000 | 401 |
| Average equity | $141,281,500 | 503 |
| Average total loans | $1,312,470,500 | 336 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7769% | 3,914 |
| Cost of funding earning assets | 1.0089% | 3,305 |
| Net interest margin | 3.7680% | 3,990 |
| Noninterest income to average assets | 0.3036% | 5,365 |
| Noninterest expense to average assets | 4.2602% | 748 |
| Loan and lease loss provision to assets | 0.7529% | 1,338 |
| Net operating income to assets | -0.7703% | 6,642 |
| Return on assets (ROA) | -0.7609% | 6,670 |
| Pretax return on assets | -1.1562% | 6,798 |
| Return on Equity (ROE) | -8.3989% | 6,691 |
| Retained earnings to average equity (ytd only) | -8.3989% | 6,640 |
| Net charge-offs to loans | 0.9827% | 1,763 |
| Credit loss provision to net charge-offs | 92.5967% | 3,891 |
| Earnings coverage of net charge-offs (x) | -0.5133% | 6,086 |
| Efficiency ratio | 106.3194% | 511 |
| Assets per employee ($millions) | 5.5244% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1166% | 1,956 |
| Loan loss allowance to noncurrent loans | 28.7573% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 6.1860% | 782 |
| Noncurrent loans to loans | 7.3602% | 586 |
| Net loans and leases to total assets | 78.4820% | 657 |
| Net loans and leases to deposits | 95.9711% | 672 |
| Net loans and leases to core deposits | 118.7387% | 381 |
| Total domestic deposits to total assets | 81.7767% | 5,198 |
| Equity capital to assets | 8.6738% | 5,932 |
| Core capital (leverage) ratio | 8.4838% | 5,587 |
| Tier 1 risk-based capital ratio | 13.4157% | 4,757 |
| Total risk-based capital ratio | 14.6835% | 4,715 |
| Memoranda: | ||
| Average total assets | $1,659,538,600 | 401 |
| Average earning assets | $1,558,768,800 | 385 |
| Average equity | $150,352,200 | 467 |
| Average total loans | $1,373,204,800 | 324 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8583% | 3,740 |
| Cost of funding earning assets | 0.9967% | 3,695 |
| Net interest margin | 3.8616% | 3,566 |
| Noninterest income to average assets | 0.2820% | 5,592 |
| Noninterest expense to average assets | 3.2182% | 2,774 |
| Loan and lease loss provision to assets | 0.7729% | 1,219 |
| Net operating income to assets | -0.0653% | 6,243 |
| Return on assets (ROA) | -0.0517% | 6,320 |
| Pretax return on assets | -0.0717% | 6,305 |
| Return on Equity (ROE) | -0.5653% | 6,326 |
| Retained earnings to average equity (ytd only) | -0.5653% | 6,083 |
| Net charge-offs to loans | 1.1281% | 1,405 |
| Credit loss provision to net charge-offs | 82.1754% | 4,068 |
| Earnings coverage of net charge-offs (x) | 0.7256% | 5,072 |
| Efficiency ratio | 79.7822% | 2,284 |
| Assets per employee ($millions) | 5.8303% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9577% | 2,450 |
| Loan loss allowance to noncurrent loans | 23.9617% | 6,541 |
| Noncurrent assets plus other real estate owned to assets | 7.1810% | 675 |
| Noncurrent loans to loans | 8.1703% | 532 |
| Net loans and leases to total assets | 80.9061% | 431 |
| Net loans and leases to deposits | 95.8454% | 708 |
| Net loans and leases to core deposits | 118.6935% | 423 |
| Total domestic deposits to total assets | 84.4131% | 4,046 |
| Equity capital to assets | 9.3027% | 5,376 |
| Core capital (leverage) ratio | 9.0752% | 4,815 |
| Tier 1 risk-based capital ratio | 14.3150% | 4,123 |
| Total risk-based capital ratio | 15.5811% | 4,066 |
| Memoranda: | ||
| Average total assets | $1,667,000,250 | 401 |
| Average earning assets | $1,562,117,750 | 384 |
| Average equity | $152,601,250 | 468 |
| Average total loans | $1,389,838,000 | 319 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8859% | 3,681 |
| Cost of funding earning assets | 0.9807% | 4,082 |
| Net interest margin | 3.9052% | 3,283 |
| Noninterest income to average assets | 0.2771% | 5,667 |
| Noninterest expense to average assets | 3.1531% | 3,070 |
| Loan and lease loss provision to assets | 0.9773% | 899 |
| Net operating income to assets | -0.1265% | 6,384 |
| Return on assets (ROA) | -0.1186% | 6,421 |
| Pretax return on assets | -0.1799% | 6,439 |
| Return on Equity (ROE) | -1.3024% | 6,444 |
| Retained earnings to average equity (ytd only) | -1.3024% | 6,120 |
| Net charge-offs to loans | 1.1136% | 1,414 |
| Credit loss provision to net charge-offs | 104.9103% | 2,942 |
| Earnings coverage of net charge-offs (x) | 0.8432% | 4,669 |
| Efficiency ratio | 77.7185% | 2,757 |
| Assets per employee ($millions) | 6.0536% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0816% | 2,160 |
| Loan loss allowance to noncurrent loans | 31.1043% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 5.7436% | 1,008 |
| Noncurrent loans to loans | 6.6922% | 806 |
| Net loans and leases to total assets | 79.4553% | 595 |
| Net loans and leases to deposits | 103.0533% | 346 |
| Net loans and leases to core deposits | 129.0761% | 284 |
| Total domestic deposits to total assets | 77.1012% | 6,435 |
| Equity capital to assets | 8.8606% | 5,756 |
| Core capital (leverage) ratio | 8.6336% | 5,338 |
| Tier 1 risk-based capital ratio | 13.6668% | 4,403 |
| Total risk-based capital ratio | 14.9344% | 4,365 |
| Memoranda: | ||
| Average total assets | $1,674,620,670 | 403 |
| Average earning assets | $1,570,103,330 | 388 |
| Average equity | $152,485,330 | 465 |
| Average total loans | $1,400,860,330 | 325 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0620% | 2,807 |
| Cost of funding earning assets | 0.9893% | 4,277 |
| Net interest margin | 4.0727% | 2,375 |
| Noninterest income to average assets | 0.3249% | 5,319 |
| Noninterest expense to average assets | 3.4499% | 2,143 |
| Loan and lease loss provision to assets | 0.6563% | 1,309 |
| Net operating income to assets | 0.0119% | 6,325 |
| Return on assets (ROA) | 0.0119% | 6,360 |
| Pretax return on assets | 0.0346% | 6,292 |
| Return on Equity (ROE) | 0.1285% | 6,357 |
| Retained earnings to average equity (ytd only) | 0.1285% | 5,749 |
| Net charge-offs to loans | 0.7001% | 1,817 |
| Credit loss provision to net charge-offs | 110.3378% | 2,422 |
| Earnings coverage of net charge-offs (x) | 1.1616% | 3,786 |
| Efficiency ratio | 81.0289% | 2,367 |
| Assets per employee ($millions) | 6.1523% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0798% | 2,224 |
| Loan loss allowance to noncurrent loans | 43.2170% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 4.7084% | 1,354 |
| Noncurrent loans to loans | 4.8126% | 1,413 |
| Net loans and leases to total assets | 82.2429% | 330 |
| Net loans and leases to deposits | 100.8021% | 427 |
| Net loans and leases to core deposits | 123.9661% | 344 |
| Total domestic deposits to total assets | 81.5885% | 5,463 |
| Equity capital to assets | 9.2182% | 4,848 |
| Core capital (leverage) ratio | 9.0066% | 4,603 |
| Tier 1 risk-based capital ratio | 13.4874% | 4,423 |
| Total risk-based capital ratio | 14.7544% | 4,387 |
| Memoranda: | ||
| Average total assets | $1,652,315,500 | 411 |
| Average earning assets | $1,548,168,000 | 394 |
| Average equity | $152,561,000 | 465 |
| Average total loans | $1,403,760,500 | 326 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1699% | 3,751 |
| Cost of funding earning assets | 1.3043% | 3,857 |
| Net interest margin | 3.8656% | 3,662 |
| Noninterest income to average assets | 0.3535% | 5,280 |
| Noninterest expense to average assets | 3.5079% | 2,148 |
| Loan and lease loss provision to assets | 1.4712% | 1,016 |
| Net operating income to assets | -0.6083% | 6,454 |
| Return on assets (ROA) | -0.5991% | 6,477 |
| Pretax return on assets | -0.9652% | 6,619 |
| Return on Equity (ROE) | -6.4812% | 6,525 |
| Retained earnings to average equity (ytd only) | -6.4812% | 6,427 |
| Net charge-offs to loans | 1.6098% | 1,347 |
| Credit loss provision to net charge-offs | 104.3124% | 4,310 |
| Earnings coverage of net charge-offs (x) | 0.3486% | 5,757 |
| Efficiency ratio | 86.2062% | 1,674 |
| Assets per employee ($millions) | 6.1554% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0216% | 2,247 |
| Loan loss allowance to noncurrent loans | 55.8760% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 3.9006% | 1,748 |
| Noncurrent loans to loans | 3.6180% | 2,069 |
| Net loans and leases to total assets | 84.1906% | 286 |
| Net loans and leases to deposits | 104.0408% | 399 |
| Net loans and leases to core deposits | 131.0087% | 317 |
| Total domestic deposits to total assets | 80.9208% | 5,545 |
| Equity capital to assets | 9.2482% | 4,758 |
| Core capital (leverage) ratio | 9.0137% | 4,526 |
| Tier 1 risk-based capital ratio | 13.1751% | 4,465 |
| Total risk-based capital ratio | 14.4411% | 4,412 |
| Memoranda: | ||
| Average total assets | $1,584,956,600 | 434 |
| Average earning assets | $1,494,920,400 | 413 |
| Average equity | $146,501,000 | 467 |
| Average total loans | $1,388,618,000 | 339 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1771% | 3,954 |
| Cost of funding earning assets | 1.3897% | 3,637 |
| Net interest margin | 3.7874% | 4,021 |
| Noninterest income to average assets | 0.4211% | 4,791 |
| Noninterest expense to average assets | 3.2559% | 2,722 |
| Loan and lease loss provision to assets | 1.1629% | 1,243 |
| Net operating income to assets | -0.2578% | 6,387 |
| Return on assets (ROA) | -0.2454% | 6,425 |
| Pretax return on assets | -0.4009% | 6,493 |
| Return on Equity (ROE) | -2.6549% | 6,465 |
| Retained earnings to average equity (ytd only) | -2.6549% | 6,307 |
| Net charge-offs to loans | 1.2925% | 1,580 |
| Credit loss provision to net charge-offs | 102.1806% | 4,217 |
| Earnings coverage of net charge-offs (x) | 0.6525% | 5,389 |
| Efficiency ratio | 79.8776% | 2,354 |
| Assets per employee ($millions) | 6.3889% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9930% | 2,241 |
| Loan loss allowance to noncurrent loans | 44.0028% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 4.7524% | 1,385 |
| Noncurrent loans to loans | 4.5293% | 1,594 |
| Net loans and leases to total assets | 81.2800% | 586 |
| Net loans and leases to deposits | 103.6776% | 449 |
| Net loans and leases to core deposits | 133.5814% | 330 |
| Total domestic deposits to total assets | 78.3969% | 6,170 |
| Equity capital to assets | 9.3645% | 5,031 |
| Core capital (leverage) ratio | 9.1545% | 4,453 |
| Tier 1 risk-based capital ratio | 13.7092% | 4,048 |
| Total risk-based capital ratio | 14.9744% | 3,993 |
| Memoranda: | ||
| Average total assets | $1,568,781,500 | 432 |
| Average earning assets | $1,481,783,250 | 414 |
| Average equity | $144,985,250 | 466 |
| Average total loans | $1,381,394,500 | 343 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1350% | 4,275 |
| Cost of funding earning assets | 1.5176% | 3,154 |
| Net interest margin | 3.6174% | 4,742 |
| Noninterest income to average assets | 0.3931% | 4,961 |
| Noninterest expense to average assets | 3.2432% | 2,749 |
| Loan and lease loss provision to assets | 0.6610% | 2,183 |
| Net operating income to assets | -0.0613% | 6,167 |
| Return on assets (ROA) | -0.0347% | 6,216 |
| Pretax return on assets | -0.0389% | 6,185 |
| Return on Equity (ROE) | -0.3773% | 6,232 |
| Retained earnings to average equity (ytd only) | -0.3773% | 5,813 |
| Net charge-offs to loans | 0.9333% | 1,969 |
| Credit loss provision to net charge-offs | 78.7397% | 4,739 |
| Earnings coverage of net charge-offs (x) | 0.7055% | 5,035 |
| Efficiency ratio | 82.8992% | 2,054 |
| Assets per employee ($millions) | 6.1379% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8681% | 2,513 |
| Loan loss allowance to noncurrent loans | 29.8339% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 6.3431% | 905 |
| Noncurrent loans to loans | 6.2617% | 986 |
| Net loans and leases to total assets | 87.0010% | 172 |
| Net loans and leases to deposits | 108.4359% | 312 |
| Net loans and leases to core deposits | 143.7354% | 246 |
| Total domestic deposits to total assets | 80.2326% | 5,658 |
| Equity capital to assets | 10.1564% | 3,826 |
| Core capital (leverage) ratio | 9.9072% | 3,274 |
| Tier 1 risk-based capital ratio | 13.8179% | 3,860 |
| Total risk-based capital ratio | 15.0811% | 3,816 |
| Memoranda: | ||
| Average total assets | $1,527,359,330 | 447 |
| Average earning assets | $1,453,472,330 | 419 |
| Average equity | $140,465,000 | 482 |
| Average total loans | $1,373,828,000 | 344 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2212% | 3,915 |
| Cost of funding earning assets | 1.5654% | 3,169 |
| Net interest margin | 3.6557% | 4,456 |
| Noninterest income to average assets | 0.5015% | 4,037 |
| Noninterest expense to average assets | 3.1322% | 3,129 |
| Loan and lease loss provision to assets | 0.6456% | 1,959 |
| Net operating income to assets | 0.1054% | 6,012 |
| Return on assets (ROA) | 0.1444% | 6,006 |
| Pretax return on assets | 0.2572% | 5,729 |
| Return on Equity (ROE) | 1.6619% | 5,898 |
| Retained earnings to average equity (ytd only) | 1.6619% | 5,105 |
| Net charge-offs to loans | 0.8239% | 1,883 |
| Credit loss provision to net charge-offs | 86.4662% | 3,740 |
| Earnings coverage of net charge-offs (x) | 1.1275% | 4,094 |
| Efficiency ratio | 77.1678% | 3,039 |
| Assets per employee ($millions) | 5.7875% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0032% | 2,178 |
| Loan loss allowance to noncurrent loans | 41.6632% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 4.8976% | 1,327 |
| Noncurrent loans to loans | 4.8080% | 1,529 |
| Net loans and leases to total assets | 88.4591% | 111 |
| Net loans and leases to deposits | 109.4698% | 302 |
| Net loans and leases to core deposits | 145.6717% | 271 |
| Total domestic deposits to total assets | 80.8068% | 5,517 |
| Equity capital to assets | 9.1479% | 5,065 |
| Core capital (leverage) ratio | 8.8930% | 4,739 |
| Tier 1 risk-based capital ratio | 12.2319% | 4,966 |
| Total risk-based capital ratio | 13.4973% | 4,921 |
| Memoranda: | ||
| Average total assets | $1,496,178,000 | 466 |
| Average earning assets | $1,421,215,500 | 442 |
| Average equity | $129,968,000 | 523 |
| Average total loans | $1,356,040,500 | 362 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3053% | 5,151 |
| Cost of funding earning assets | 2.1455% | 2,252 |
| Net interest margin | 3.1598% | 6,204 |
| Noninterest income to average assets | 0.4541% | 4,769 |
| Noninterest expense to average assets | 3.7580% | 1,781 |
| Loan and lease loss provision to assets | 1.9055% | 1,168 |
| Net operating income to assets | -1.3325% | 6,784 |
| Return on assets (ROA) | -1.3176% | 6,777 |
| Pretax return on assets | -2.1608% | 6,999 |
| Return on Equity (ROE) | -16.4486% | 7,010 |
| Retained earnings to average equity (ytd only) | -16.4486% | 6,960 |
| Net charge-offs to loans | 1.5224% | 1,643 |
| Credit loss provision to net charge-offs | 143.3714% | 3,345 |
| Earnings coverage of net charge-offs (x) | -0.2095% | 6,458 |
| Efficiency ratio | 87.3751% | 1,941 |
| Assets per employee ($millions) | 5.8110% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0535% | 1,906 |
| Loan loss allowance to noncurrent loans | 43.7756% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 4.6136% | 1,389 |
| Noncurrent loans to loans | 4.6909% | 1,499 |
| Net loans and leases to total assets | 89.1383% | 123 |
| Net loans and leases to deposits | 113.8003% | 264 |
| Net loans and leases to core deposits | 143.1325% | 703 |
| Total domestic deposits to total assets | 78.3287% | 6,160 |
| Equity capital to assets | 8.2164% | 6,325 |
| Core capital (leverage) ratio | 7.9367% | 6,277 |
| Tier 1 risk-based capital ratio | 10.8896% | 6,018 |
| Total risk-based capital ratio | 12.1560% | 5,982 |
| Memoranda: | ||
| Average total assets | $1,536,330,000 | 448 |
| Average earning assets | $1,471,004,200 | 425 |
| Average equity | $123,068,000 | 538 |
| Average total loans | $1,341,272,200 | 368 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3095% | 5,374 |
| Cost of funding earning assets | 2.2025% | 2,406 |
| Net interest margin | 3.1070% | 6,298 |
| Noninterest income to average assets | 0.4582% | 4,841 |
| Noninterest expense to average assets | 2.9846% | 4,107 |
| Loan and lease loss provision to assets | 2.0266% | 885 |
| Net operating income to assets | -0.9708% | 6,809 |
| Return on assets (ROA) | -0.9563% | 6,807 |
| Pretax return on assets | -1.5526% | 6,990 |
| Return on Equity (ROE) | -12.0119% | 7,020 |
| Retained earnings to average equity (ytd only) | -12.0119% | 6,946 |
| Net charge-offs to loans | 1.5077% | 1,357 |
| Credit loss provision to net charge-offs | 155.5357% | 3,069 |
| Earnings coverage of net charge-offs (x) | 0.3463% | 5,677 |
| Efficiency ratio | 81.0100% | 2,709 |
| Assets per employee ($millions) | 6.2649% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0366% | 1,715 |
| Loan loss allowance to noncurrent loans | 41.4632% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 4.5037% | 1,358 |
| Noncurrent loans to loans | 4.9118% | 1,369 |
| Net loans and leases to total assets | 86.9207% | 281 |
| Net loans and leases to deposits | 110.6941% | 436 |
| Net loans and leases to core deposits | 140.1890% | 908 |
| Total domestic deposits to total assets | 78.5234% | 5,945 |
| Equity capital to assets | 8.5393% | 6,205 |
| Core capital (leverage) ratio | 7.9827% | 6,391 |
| Tier 1 risk-based capital ratio | 11.3131% | 5,625 |
| Total risk-based capital ratio | 12.5796% | 5,554 |
| Memoranda: | ||
| Average total assets | $1,549,960,500 | 454 |
| Average earning assets | $1,485,447,000 | 435 |
| Average equity | $123,397,000 | 549 |
| Average total loans | $1,339,452,750 | 383 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3425% | 5,434 |
| Cost of funding earning assets | 2.3055% | 2,341 |
| Net interest margin | 3.0370% | 6,444 |
| Noninterest income to average assets | 0.4490% | 4,855 |
| Noninterest expense to average assets | 2.9693% | 4,212 |
| Loan and lease loss provision to assets | 2.3883% | 663 |
| Net operating income to assets | -1.2366% | 7,132 |
| Return on assets (ROA) | -1.2259% | 7,135 |
| Pretax return on assets | -1.9817% | 7,281 |
| Return on Equity (ROE) | -15.7694% | 7,367 |
| Retained earnings to average equity (ytd only) | -15.7694% | 7,281 |
| Net charge-offs to loans | 1.5669% | 1,207 |
| Credit loss provision to net charge-offs | 177.9177% | 2,578 |
| Earnings coverage of net charge-offs (x) | 0.2905% | 5,385 |
| Efficiency ratio | 82.4353% | 2,673 |
| Assets per employee ($millions) | 6.3158% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0612% | 1,458 |
| Loan loss allowance to noncurrent loans | 63.4092% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 3.0698% | 2,057 |
| Noncurrent loans to loans | 3.2507% | 2,183 |
| Net loans and leases to total assets | 84.7472% | 533 |
| Net loans and leases to deposits | 107.5761% | 673 |
| Net loans and leases to core deposits | 134.2860% | 1,300 |
| Total domestic deposits to total assets | 78.7788% | 5,867 |
| Equity capital to assets | 8.2393% | 6,429 |
| Core capital (leverage) ratio | 7.6666% | 6,807 |
| Tier 1 risk-based capital ratio | 11.1668% | 5,708 |
| Total risk-based capital ratio | 12.4338% | 5,613 |
| Memoranda: | ||
| Average total assets | $1,561,249,330 | 465 |
| Average earning assets | $1,496,072,000 | 443 |
| Average equity | $121,374,670 | 564 |
| Average total loans | $1,337,538,330 | 396 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3252% | 5,785 |
| Cost of funding earning assets | 2.3583% | 2,474 |
| Net interest margin | 2.9670% | 6,567 |
| Noninterest income to average assets | 0.4595% | 4,685 |
| Noninterest expense to average assets | 2.8448% | 4,361 |
| Loan and lease loss provision to assets | 0.8378% | 1,550 |
| Net operating income to assets | -0.2455% | 6,612 |
| Return on assets (ROA) | -0.2424% | 6,684 |
| Pretax return on assets | -0.3755% | 6,730 |
| Return on Equity (ROE) | -3.2105% | 6,796 |
| Retained earnings to average equity (ytd only) | -3.2105% | 6,311 |
| Net charge-offs to loans | 0.5152% | 2,174 |
| Credit loss provision to net charge-offs | 190.7258% | 2,303 |
| Earnings coverage of net charge-offs (x) | 1.0415% | 4,242 |
| Efficiency ratio | 80.1548% | 2,793 |
| Assets per employee ($millions) | 6.9824% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 2,869 |
| Loan loss allowance to noncurrent loans | 62.5929% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 2.1151% | 2,729 |
| Noncurrent loans to loans | 2.4276% | 2,711 |
| Net loans and leases to total assets | 81.1988% | 1,157 |
| Net loans and leases to deposits | 100.5364% | 1,336 |
| Net loans and leases to core deposits | 124.6183% | 2,024 |
| Total domestic deposits to total assets | 80.7656% | 5,061 |
| Equity capital to assets | 7.2522% | 7,523 |
| Core capital (leverage) ratio | 6.6854% | 7,804 |
| Tier 1 risk-based capital ratio | 10.1326% | 6,770 |
| Total risk-based capital ratio | 11.3909% | 6,681 |
| Memoranda: | ||
| Average total assets | $1,580,822,000 | 463 |
| Average earning assets | $1,514,673,000 | 439 |
| Average equity | $119,357,000 | 570 |
| Average total loans | $1,347,763,000 | 394 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5691% | 2,627 |
| Cost of funding earning assets | 2.8406% | 2,522 |
| Net interest margin | 3.7286% | 4,335 |
| Noninterest income to average assets | 0.6229% | 3,691 |
| Noninterest expense to average assets | 12.3165% | 101 |
| Loan and lease loss provision to assets | 0.9727% | 1,514 |
| Net operating income to assets | -8.8790% | 8,241 |
| Return on assets (ROA) | -8.8703% | 8,239 |
| Pretax return on assets | -9.3232% | 8,235 |
| Return on Equity (ROE) | -66.7634% | 8,227 |
| Retained earnings to average equity (ytd only) | -66.7634% | 8,217 |
| Net charge-offs to loans | 0.5125% | 2,306 |
| Credit loss provision to net charge-offs | 216.4760% | 2,224 |
| Earnings coverage of net charge-offs (x) | -18.6052% | 6,941 |
| Efficiency ratio | 69.6166% | 4,426 |
| Assets per employee ($millions) | 6.6121% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 3,114 |
| Loan loss allowance to noncurrent loans | 80.0202% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.6824% | 2,889 |
| Noncurrent loans to loans | 1.7670% | 3,113 |
| Net loans and leases to total assets | 87.0357% | 469 |
| Net loans and leases to deposits | 109.9908% | 832 |
| Net loans and leases to core deposits | 126.4888% | 2,127 |
| Total domestic deposits to total assets | 79.1300% | 5,325 |
| Equity capital to assets | 7.8719% | 7,009 |
| Core capital (leverage) ratio | 7.2340% | 7,491 |
| Tier 1 risk-based capital ratio | 10.4179% | 6,296 |
| Total risk-based capital ratio | 11.6749% | 6,162 |
| Memoranda: | ||
| Average total assets | $1,537,225,800 | 457 |
| Average earning assets | $1,374,518,000 | 465 |
| Average equity | $204,239,000 | 368 |
| Average total loans | $1,347,827,800 | 386 |