Home > Heritage Oaks Bank > Performance and Condition Ratios
Heritage Oaks Bank, Performance and Condition Ratios
| 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 | 3.8385% | 3,630 |
| Cost of funding earning assets | 0.3082% | 3,958 |
| Net interest margin | 3.5302% | 3,162 |
| Noninterest income to average assets | 0.4184% | 3,534 |
| Noninterest expense to average assets | 2.7965% | 2,804 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5734% | 4,266 |
| Return on assets (ROA) | 0.5734% | 4,311 |
| Pretax return on assets | 0.8794% | 3,835 |
| Return on Equity (ROE) | 5.3491% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.3491% | 2,705 |
| Net charge-offs to loans | 0.0107% | 2,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 120.3243% | 456 |
| Efficiency ratio | 75.2875% | 2,021 |
| Assets per employee ($millions) | 7.4231% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 2,878 |
| Loan loss allowance to noncurrent loans | 228.9060% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 3,719 |
| Noncurrent loans to loans | 0.5425% | 3,194 |
| Net loans and leases to total assets | 67.4933% | 2,745 |
| Net loans and leases to deposits | 81.8627% | 2,527 |
| Net loans and leases to core deposits | 84.7781% | 2,828 |
| Total domestic deposits to total assets | 82.4470% | 4,041 |
| Equity capital to assets | 10.8211% | 2,834 |
| Core capital (leverage) ratio | 9.5424% | 4,066 |
| Tier 1 risk-based capital ratio | 12.4773% | 4,404 |
| Total risk-based capital ratio | 13.6411% | 4,364 |
| Memoranda: | ||
| Average total assets | $2,025,077,500 | 408 |
| Average earning assets | $1,868,666,000 | 404 |
| Average equity | $217,082,000 | 415 |
| Average total loans | $1,389,641,500 | 416 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9581% | 3,351 |
| Cost of funding earning assets | 0.2888% | 4,184 |
| Net interest margin | 3.6692% | 2,821 |
| Noninterest income to average assets | 0.5679% | 2,828 |
| Noninterest expense to average assets | 2.5713% | 3,771 |
| Loan and lease loss provision to assets | -0.0767% | 5,644 |
| Net operating income to assets | 0.8758% | 2,952 |
| Return on assets (ROA) | 0.9063% | 2,905 |
| Pretax return on assets | 1.5020% | 1,576 |
| Return on Equity (ROE) | 8.3875% | 2,748 |
| Retained earnings to average equity (ytd only) | 3.6552% | 3,316 |
| Net charge-offs to loans | -0.0968% | 5,580 |
| Credit loss provision to net charge-offs | 116.7315% | 2,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8905% | 3,952 |
| Assets per employee ($millions) | 6.7455% | 1,032 |
| Cash dividends to net income (ytd only)* | 56.4207% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 2,900 |
| Loan loss allowance to noncurrent loans | 251.9293% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 3,926 |
| Noncurrent loans to loans | 0.4907% | 3,398 |
| Net loans and leases to total assets | 68.0499% | 2,761 |
| Net loans and leases to deposits | 81.4190% | 2,734 |
| Net loans and leases to core deposits | 85.6047% | 2,878 |
| Total domestic deposits to total assets | 83.5798% | 3,575 |
| Equity capital to assets | 10.6181% | 3,018 |
| Core capital (leverage) ratio | 9.4734% | 4,120 |
| Tier 1 risk-based capital ratio | 12.1872% | 4,589 |
| Total risk-based capital ratio | 13.3485% | 4,538 |
| Memoranda: | ||
| Average total assets | $1,955,697,400 | 400 |
| Average earning assets | $1,802,064,800 | 398 |
| Average equity | $211,315,400 | 414 |
| Average total loans | $1,327,517,000 | 408 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9135% | 3,539 |
| Cost of funding earning assets | 0.2900% | 4,209 |
| Net interest margin | 3.6235% | 2,993 |
| Noninterest income to average assets | 0.5646% | 2,850 |
| Noninterest expense to average assets | 2.5831% | 3,720 |
| Loan and lease loss provision to assets | -0.0688% | 5,749 |
| Net operating income to assets | 0.8519% | 3,140 |
| Return on assets (ROA) | 0.8937% | 3,069 |
| Pretax return on assets | 1.4530% | 1,869 |
| Return on Equity (ROE) | 8.2339% | 2,886 |
| Retained earnings to average equity (ytd only) | 1.8977% | 4,734 |
| Net charge-offs to loans | -0.1211% | 5,640 |
| Credit loss provision to net charge-offs | 83.9631% | 2,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9124% | 3,777 |
| Assets per employee ($millions) | 6.6000% | 1,044 |
| Cash dividends to net income (ytd only)* | 76.9527% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 2,645 |
| Loan loss allowance to noncurrent loans | 361.2408% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 4,433 |
| Noncurrent loans to loans | 0.3619% | 3,960 |
| Net loans and leases to total assets | 67.0437% | 2,949 |
| Net loans and leases to deposits | 81.2255% | 2,827 |
| Net loans and leases to core deposits | 85.5365% | 2,988 |
| Total domestic deposits to total assets | 82.5403% | 3,763 |
| Equity capital to assets | 10.8648% | 3,184 |
| Core capital (leverage) ratio | 9.3455% | 4,398 |
| Tier 1 risk-based capital ratio | 12.2294% | 4,656 |
| Total risk-based capital ratio | 13.4577% | 4,561 |
| Memoranda: | ||
| Average total assets | $1,938,707,000 | 403 |
| Average earning assets | $1,785,675,750 | 399 |
| Average equity | $210,425,500 | 416 |
| Average total loans | $1,310,812,750 | 414 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9240% | 3,527 |
| Cost of funding earning assets | 0.2909% | 4,239 |
| Net interest margin | 3.6331% | 2,963 |
| Noninterest income to average assets | 0.5341% | 2,985 |
| Noninterest expense to average assets | 2.5995% | 3,722 |
| Loan and lease loss provision to assets | -0.1040% | 5,881 |
| Net operating income to assets | 0.8543% | 3,078 |
| Return on assets (ROA) | 0.8995% | 2,998 |
| Pretax return on assets | 1.4558% | 1,821 |
| Return on Equity (ROE) | 8.2906% | 2,838 |
| Retained earnings to average equity (ytd only) | -1.2961% | 5,473 |
| Net charge-offs to loans | -0.1535% | 5,748 |
| Credit loss provision to net charge-offs | 100.4016% | 2,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6830% | 3,729 |
| Assets per employee ($millions) | 6.6877% | 1,010 |
| Cash dividends to net income (ytd only)* | 115.6337% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 2,778 |
| Loan loss allowance to noncurrent loans | 255.9484% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 4,072 |
| Noncurrent loans to loans | 0.5083% | 3,558 |
| Net loans and leases to total assets | 67.5493% | 2,857 |
| Net loans and leases to deposits | 81.8432% | 2,724 |
| Net loans and leases to core deposits | 86.3618% | 2,865 |
| Total domestic deposits to total assets | 82.5350% | 3,820 |
| Equity capital to assets | 10.8370% | 3,249 |
| Core capital (leverage) ratio | 9.2015% | 4,593 |
| Tier 1 risk-based capital ratio | 11.9102% | 4,888 |
| Total risk-based capital ratio | 13.1345% | 4,804 |
| Memoranda: | ||
| Average total assets | $1,922,744,670 | 405 |
| Average earning assets | $1,771,085,670 | 402 |
| Average equity | $208,620,670 | 418 |
| Average total loans | $1,297,907,000 | 416 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 3,642 |
| Cost of funding earning assets | 0.2885% | 4,293 |
| Net interest margin | 3.5965% | 3,093 |
| Noninterest income to average assets | 0.5543% | 2,778 |
| Noninterest expense to average assets | 2.5516% | 3,903 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8098% | 3,190 |
| Return on assets (ROA) | 0.8839% | 2,960 |
| Pretax return on assets | 1.4260% | 1,816 |
| Return on Equity (ROE) | 8.1410% | 2,834 |
| Retained earnings to average equity (ytd only) | -11.2055% | 5,845 |
| Net charge-offs to loans | -0.0354% | 5,140 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7504% | 4,009 |
| Assets per employee ($millions) | 6.6125% | 1,054 |
| Cash dividends to net income (ytd only)* | 237.6426% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 2,633 |
| Loan loss allowance to noncurrent loans | 214.9939% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.4333% | 3,852 |
| Noncurrent loans to loans | 0.6300% | 3,279 |
| Net loans and leases to total assets | 66.9372% | 2,817 |
| Net loans and leases to deposits | 80.2070% | 2,763 |
| Net loans and leases to core deposits | 84.5023% | 2,891 |
| Total domestic deposits to total assets | 83.4556% | 3,731 |
| Equity capital to assets | 10.7061% | 3,250 |
| Core capital (leverage) ratio | 9.1260% | 4,699 |
| Tier 1 risk-based capital ratio | 11.7966% | 5,048 |
| Total risk-based capital ratio | 13.0490% | 4,950 |
| Memoranda: | ||
| Average total assets | $1,904,370,000 | 407 |
| Average earning assets | $1,751,372,000 | 404 |
| Average equity | $206,756,000 | 415 |
| Average total loans | $1,276,324,500 | 414 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0941% | 2,943 |
| Cost of funding earning assets | 0.3182% | 4,057 |
| Net interest margin | 3.7760% | 2,458 |
| Noninterest income to average assets | 0.4983% | 3,339 |
| Noninterest expense to average assets | 2.6052% | 3,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8528% | 3,097 |
| Return on assets (ROA) | 0.8754% | 3,079 |
| Pretax return on assets | 1.3863% | 1,950 |
| Return on Equity (ROE) | 7.7440% | 3,107 |
| Retained earnings to average equity (ytd only) | 2.8717% | 4,021 |
| Net charge-offs to loans | -0.0535% | 5,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3900% | 4,187 |
| Assets per employee ($millions) | 6.7535% | 986 |
| Cash dividends to net income (ytd only)* | 62.9168% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 2,477 |
| Loan loss allowance to noncurrent loans | 223.2284% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 3,892 |
| Noncurrent loans to loans | 0.6225% | 3,320 |
| Net loans and leases to total assets | 65.2598% | 3,088 |
| Net loans and leases to deposits | 78.5334% | 2,992 |
| Net loans and leases to core deposits | 82.9592% | 3,055 |
| Total domestic deposits to total assets | 83.0982% | 3,812 |
| Equity capital to assets | 11.0088% | 2,817 |
| Core capital (leverage) ratio | 9.4952% | 4,176 |
| Tier 1 risk-based capital ratio | 12.4817% | 4,647 |
| Total risk-based capital ratio | 13.7361% | 4,531 |
| Memoranda: | ||
| Average total assets | $1,815,645,600 | 400 |
| Average earning assets | $1,662,695,400 | 405 |
| Average equity | $205,243,200 | 407 |
| Average total loans | $1,215,180,000 | 409 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 2,901 |
| Cost of funding earning assets | 0.3309% | 3,980 |
| Net interest margin | 3.7776% | 2,471 |
| Noninterest income to average assets | 0.5189% | 3,232 |
| Noninterest expense to average assets | 2.5772% | 3,957 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8790% | 3,046 |
| Return on assets (ROA) | 0.9095% | 3,012 |
| Pretax return on assets | 1.4458% | 1,843 |
| Return on Equity (ROE) | 7.9903% | 3,069 |
| Retained earnings to average equity (ytd only) | 1.4650% | 5,130 |
| Net charge-offs to loans | -0.0547% | 5,572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3585% | 4,356 |
| Assets per employee ($millions) | 6.9075% | 902 |
| Cash dividends to net income (ytd only)* | 81.6660% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 2,463 |
| Loan loss allowance to noncurrent loans | 172.6837% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 3,648 |
| Noncurrent loans to loans | 0.8271% | 2,899 |
| Net loans and leases to total assets | 63.7716% | 3,339 |
| Net loans and leases to deposits | 75.5620% | 3,357 |
| Net loans and leases to core deposits | 79.7739% | 3,444 |
| Total domestic deposits to total assets | 84.3964% | 3,262 |
| Equity capital to assets | 10.9968% | 3,035 |
| Core capital (leverage) ratio | 9.4393% | 4,382 |
| Tier 1 risk-based capital ratio | 12.5150% | 4,748 |
| Total risk-based capital ratio | 13.7699% | 4,644 |
| Memoranda: | ||
| Average total assets | $1,795,126,250 | 407 |
| Average earning assets | $1,642,518,000 | 410 |
| Average equity | $204,325,000 | 413 |
| Average total loans | $1,204,999,250 | 418 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1608% | 2,680 |
| Cost of funding earning assets | 0.3272% | 4,082 |
| Net interest margin | 3.8336% | 2,195 |
| Noninterest income to average assets | 0.5388% | 3,119 |
| Noninterest expense to average assets | 2.5810% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8974% | 2,890 |
| Return on assets (ROA) | 0.9339% | 2,834 |
| Pretax return on assets | 1.5202% | 1,591 |
| Return on Equity (ROE) | 8.1083% | 2,988 |
| Retained earnings to average equity (ytd only) | -1.7045% | 5,799 |
| Net charge-offs to loans | -0.0299% | 5,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3571% | 4,625 |
| Assets per employee ($millions) | 7.0504% | 821 |
| Cash dividends to net income (ytd only)* | 121.0214% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 2,677 |
| Loan loss allowance to noncurrent loans | 146.6747% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 3,448 |
| Noncurrent loans to loans | 0.9659% | 2,717 |
| Net loans and leases to total assets | 64.7162% | 3,166 |
| Net loans and leases to deposits | 77.5299% | 3,091 |
| Net loans and leases to core deposits | 82.9353% | 3,089 |
| Total domestic deposits to total assets | 83.4726% | 3,770 |
| Equity capital to assets | 10.9831% | 2,895 |
| Core capital (leverage) ratio | 9.4140% | 4,396 |
| Tier 1 risk-based capital ratio | 12.4769% | 4,825 |
| Total risk-based capital ratio | 13.7326% | 4,734 |
| Memoranda: | ||
| Average total assets | $1,769,528,330 | 414 |
| Average earning assets | $1,618,021,000 | 412 |
| Average equity | $203,816,000 | 416 |
| Average total loans | $1,202,982,330 | 418 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2576% | 2,243 |
| Cost of funding earning assets | 0.3243% | 4,172 |
| Net interest margin | 3.9333% | 1,778 |
| Noninterest income to average assets | 0.5736% | 2,813 |
| Noninterest expense to average assets | 2.6670% | 3,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9057% | 2,716 |
| Return on assets (ROA) | 0.9800% | 2,476 |
| Pretax return on assets | 1.6140% | 1,239 |
| Return on Equity (ROE) | 8.3059% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.3059% | 1,455 |
| Net charge-offs to loans | -0.0368% | 5,369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5889% | 4,691 |
| Assets per employee ($millions) | 6.4994% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 2,955 |
| Loan loss allowance to noncurrent loans | 142.7619% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.6921% | 3,412 |
| Noncurrent loans to loans | 0.9746% | 2,823 |
| Net loans and leases to total assets | 67.5569% | 2,520 |
| Net loans and leases to deposits | 81.8223% | 2,355 |
| Net loans and leases to core deposits | 87.6632% | 2,362 |
| Total domestic deposits to total assets | 82.5654% | 4,316 |
| Equity capital to assets | 11.7411% | 2,248 |
| Core capital (leverage) ratio | 10.0145% | 3,578 |
| Tier 1 risk-based capital ratio | 12.6513% | 4,812 |
| Total risk-based capital ratio | 13.9069% | 4,725 |
| Memoranda: | ||
| Average total assets | $1,741,268,000 | 423 |
| Average earning assets | $1,589,911,000 | 419 |
| Average equity | $205,445,500 | 410 |
| Average total loans | $1,205,107,500 | 415 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4306% | 2,125 |
| Cost of funding earning assets | 0.3221% | 4,562 |
| Net interest margin | 4.1085% | 1,555 |
| Noninterest income to average assets | 0.5607% | 3,119 |
| Noninterest expense to average assets | 3.3814% | 1,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5903% | 4,421 |
| Return on assets (ROA) | 0.6167% | 4,394 |
| Pretax return on assets | 0.9511% | 3,686 |
| Return on Equity (ROE) | 5.3169% | 4,505 |
| Retained earnings to average equity (ytd only) | -0.0975% | 5,784 |
| Net charge-offs to loans | 0.0978% | 3,108 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 13.7171% | 2,245 |
| Efficiency ratio | 77.2383% | 2,323 |
| Assets per employee ($millions) | 6.1668% | 1,268 |
| Cash dividends to net income (ytd only)* | 101.8330% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 2,920 |
| Loan loss allowance to noncurrent loans | 159.4874% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.6167% | 3,736 |
| Noncurrent loans to loans | 0.8819% | 3,115 |
| Net loans and leases to total assets | 68.9506% | 2,402 |
| Net loans and leases to deposits | 84.0343% | 2,211 |
| Net loans and leases to core deposits | 90.3110% | 2,245 |
| Total domestic deposits to total assets | 82.0505% | 4,404 |
| Equity capital to assets | 11.8583% | 2,122 |
| Core capital (leverage) ratio | 9.8289% | 3,800 |
| Tier 1 risk-based capital ratio | 12.6309% | 4,957 |
| Total risk-based capital ratio | 13.8819% | 4,868 |
| Memoranda: | ||
| Average total assets | $1,592,365,200 | 439 |
| Average earning assets | $1,446,110,800 | 436 |
| Average equity | $184,694,000 | 435 |
| Average total loans | $1,080,456,600 | 429 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 2,164 |
| Cost of funding earning assets | 0.3254% | 4,611 |
| Net interest margin | 4.0931% | 1,596 |
| Noninterest income to average assets | 0.5689% | 3,073 |
| Noninterest expense to average assets | 3.6406% | 1,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4171% | 5,185 |
| Return on assets (ROA) | 0.4476% | 5,160 |
| Pretax return on assets | 0.6892% | 4,733 |
| Return on Equity (ROE) | 3.8824% | 5,218 |
| Retained earnings to average equity (ytd only) | 0.1835% | 5,749 |
| Net charge-offs to loans | 0.1359% | 2,437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 7.0261% | 2,989 |
| Efficiency ratio | 83.4890% | 1,449 |
| Assets per employee ($millions) | 6.0152% | 1,328 |
| Cash dividends to net income (ytd only)* | 95.2744% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4520% | 2,937 |
| Loan loss allowance to noncurrent loans | 163.3930% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 4,051 |
| Noncurrent loans to loans | 0.8886% | 3,350 |
| Net loans and leases to total assets | 66.4606% | 2,781 |
| Net loans and leases to deposits | 79.8541% | 2,712 |
| Net loans and leases to core deposits | 85.6425% | 2,702 |
| Total domestic deposits to total assets | 83.2276% | 4,056 |
| Equity capital to assets | 11.7628% | 2,254 |
| Core capital (leverage) ratio | 9.7733% | 3,964 |
| Tier 1 risk-based capital ratio | 12.5801% | 5,124 |
| Total risk-based capital ratio | 13.8314% | 5,052 |
| Memoranda: | ||
| Average total assets | $1,563,403,500 | 446 |
| Average earning assets | $1,418,595,500 | 439 |
| Average equity | $180,226,250 | 437 |
| Average total loans | $1,051,914,750 | 437 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 2,203 |
| Cost of funding earning assets | 0.3323% | 4,621 |
| Net interest margin | 4.0595% | 1,637 |
| Noninterest income to average assets | 0.5455% | 3,165 |
| Noninterest expense to average assets | 3.8951% | 856 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2101% | 5,802 |
| Return on assets (ROA) | 0.2185% | 5,844 |
| Pretax return on assets | 0.3454% | 5,686 |
| Return on Equity (ROE) | 1.9101% | 5,860 |
| Retained earnings to average equity (ytd only) | -3.8675% | 6,166 |
| Net charge-offs to loans | 0.2407% | 1,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.0539% | 3,652 |
| Efficiency ratio | 90.6916% | 858 |
| Assets per employee ($millions) | 5.3887% | 1,795 |
| Cash dividends to net income (ytd only)* | 302.4803% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 2,866 |
| Loan loss allowance to noncurrent loans | 145.7804% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.6957% | 3,893 |
| Noncurrent loans to loans | 1.0337% | 3,167 |
| Net loans and leases to total assets | 64.8794% | 2,927 |
| Net loans and leases to deposits | 77.7041% | 2,837 |
| Net loans and leases to core deposits | 83.8491% | 2,754 |
| Total domestic deposits to total assets | 83.4955% | 4,111 |
| Equity capital to assets | 11.7872% | 2,172 |
| Core capital (leverage) ratio | 9.5263% | 4,290 |
| Tier 1 risk-based capital ratio | 12.4493% | 5,261 |
| Total risk-based capital ratio | 13.7008% | 5,180 |
| Memoranda: | ||
| Average total assets | $1,513,096,000 | 456 |
| Average earning assets | $1,372,340,000 | 454 |
| Average equity | $173,084,330 | 445 |
| Average total loans | $1,017,173,330 | 445 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 2,961 |
| Cost of funding earning assets | 0.3303% | 4,732 |
| Net interest margin | 3.8456% | 2,289 |
| Noninterest income to average assets | 0.4895% | 3,497 |
| Noninterest expense to average assets | 4.6865% | 391 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4347% | 6,448 |
| Return on assets (ROA) | -0.4350% | 6,451 |
| Pretax return on assets | -0.6979% | 6,507 |
| Return on Equity (ROE) | -3.8718% | 6,439 |
| Retained earnings to average equity (ytd only) | -16.3053% | 6,487 |
| Net charge-offs to loans | -0.0448% | 5,760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3188% | 205 |
| Assets per employee ($millions) | 5.3069% | 1,902 |
| Cash dividends to net income (ytd only)* | -321.1304% | 6,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 2,674 |
| Loan loss allowance to noncurrent loans | 180.8192% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.6171% | 4,274 |
| Noncurrent loans to loans | 0.8880% | 3,660 |
| Net loans and leases to total assets | 66.2846% | 2,516 |
| Net loans and leases to deposits | 80.2495% | 2,256 |
| Net loans and leases to core deposits | 86.7413% | 2,235 |
| Total domestic deposits to total assets | 82.5982% | 4,754 |
| Equity capital to assets | 11.6054% | 2,163 |
| Core capital (leverage) ratio | 11.2543% | 2,169 |
| Tier 1 risk-based capital ratio | 11.8424% | 5,731 |
| Total risk-based capital ratio | 13.0951% | 5,669 |
| Memoranda: | ||
| Average total assets | $1,431,699,000 | 481 |
| Average earning assets | $1,302,875,000 | 481 |
| Average equity | $160,856,000 | 477 |
| Average total loans | $973,789,000 | 459 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4703% | 2,320 |
| Cost of funding earning assets | 0.3645% | 5,007 |
| Net interest margin | 4.1058% | 1,621 |
| Noninterest income to average assets | 0.7987% | 2,085 |
| Noninterest expense to average assets | 3.1473% | 2,602 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8418% | 3,080 |
| Return on assets (ROA) | 1.0661% | 2,137 |
| Pretax return on assets | 1.7215% | 905 |
| Return on Equity (ROE) | 8.4969% | 2,781 |
| Retained earnings to average equity (ytd only) | -9.5078% | 6,529 |
| Net charge-offs to loans | 0.0342% | 4,758 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 59.3127% | 693 |
| Efficiency ratio | 68.8646% | 4,041 |
| Assets per employee ($millions) | 5.2735% | 1,883 |
| Cash dividends to net income (ytd only)* | 211.8972% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1554% | 1,246 |
| Loan loss allowance to noncurrent loans | 176.5247% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.8414% | 3,787 |
| Noncurrent loans to loans | 1.2210% | 3,102 |
| Net loans and leases to total assets | 67.4290% | 2,450 |
| Net loans and leases to deposits | 82.8459% | 2,086 |
| Net loans and leases to core deposits | 88.5760% | 2,182 |
| Total domestic deposits to total assets | 81.3908% | 5,070 |
| Equity capital to assets | 10.7240% | 2,909 |
| Core capital (leverage) ratio | 9.8193% | 3,816 |
| Tier 1 risk-based capital ratio | 12.4178% | 5,341 |
| Total risk-based capital ratio | 13.6767% | 5,280 |
| Memoranda: | ||
| Average total assets | $1,120,393,400 | 587 |
| Average earning assets | $1,015,039,800 | 590 |
| Average equity | $140,568,400 | 518 |
| Average total loans | $757,796,000 | 557 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5159% | 2,171 |
| Cost of funding earning assets | 0.3615% | 5,184 |
| Net interest margin | 4.1544% | 1,468 |
| Noninterest income to average assets | 0.8559% | 1,913 |
| Noninterest expense to average assets | 3.2025% | 2,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8556% | 3,071 |
| Return on assets (ROA) | 1.1609% | 1,839 |
| Pretax return on assets | 1.8821% | 734 |
| Return on Equity (ROE) | 8.8998% | 2,688 |
| Retained earnings to average equity (ytd only) | -14.6196% | 6,699 |
| Net charge-offs to loans | 0.1171% | 3,376 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 17.8322% | 1,712 |
| Efficiency ratio | 68.7161% | 3,955 |
| Assets per employee ($millions) | 4.9435% | 2,247 |
| Cash dividends to net income (ytd only)* | 264.2686% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2362% | 1,275 |
| Loan loss allowance to noncurrent loans | 137.8472% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 1.1002% | 3,455 |
| Noncurrent loans to loans | 1.6222% | 2,743 |
| Net loans and leases to total assets | 66.3021% | 2,586 |
| Net loans and leases to deposits | 79.3697% | 2,497 |
| Net loans and leases to core deposits | 83.5272% | 2,702 |
| Total domestic deposits to total assets | 83.5358% | 4,364 |
| Equity capital to assets | 10.9559% | 2,802 |
| Core capital (leverage) ratio | 10.0473% | 3,607 |
| Tier 1 risk-based capital ratio | 12.5918% | 5,396 |
| Total risk-based capital ratio | 13.8512% | 5,335 |
| Memoranda: | ||
| Average total assets | $1,099,905,000 | 600 |
| Average earning assets | $993,261,000 | 604 |
| Average equity | $143,475,500 | 514 |
| Average total loans | $740,097,750 | 570 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 2,101 |
| Cost of funding earning assets | 0.3492% | 5,413 |
| Net interest margin | 4.1767% | 1,342 |
| Noninterest income to average assets | 0.9204% | 1,744 |
| Noninterest expense to average assets | 3.3342% | 1,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8112% | 3,231 |
| Return on assets (ROA) | 1.2357% | 1,596 |
| Pretax return on assets | 2.0238% | 577 |
| Return on Equity (ROE) | 8.9643% | 2,623 |
| Retained earnings to average equity (ytd only) | 8.5502% | 1,271 |
| Net charge-offs to loans | 0.0507% | 3,961 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 40.0217% | 925 |
| Efficiency ratio | 70.2345% | 3,783 |
| Assets per employee ($millions) | 4.5437% | 2,751 |
| Cash dividends to net income (ytd only)* | 4.6195% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3753% | 1,126 |
| Loan loss allowance to noncurrent loans | 128.6237% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.2733% | 3,213 |
| Noncurrent loans to loans | 1.8467% | 2,568 |
| Net loans and leases to total assets | 67.3129% | 2,362 |
| Net loans and leases to deposits | 83.1400% | 1,909 |
| Net loans and leases to core deposits | 85.2218% | 2,410 |
| Total domestic deposits to total assets | 80.9633% | 5,348 |
| Equity capital to assets | 13.6568% | 1,070 |
| Core capital (leverage) ratio | 12.2562% | 1,472 |
| Tier 1 risk-based capital ratio | 15.3107% | 3,591 |
| Total risk-based capital ratio | 16.5717% | 3,539 |
| Memoranda: | ||
| Average total assets | $1,082,593,000 | 612 |
| Average earning assets | $978,277,670 | 618 |
| Average equity | $149,236,000 | 498 |
| Average total loans | $726,409,330 | 575 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 1,992 |
| Cost of funding earning assets | 0.3387% | 5,649 |
| Net interest margin | 4.2103% | 1,166 |
| Noninterest income to average assets | 0.7711% | 2,251 |
| Noninterest expense to average assets | 3.5612% | 1,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5771% | 4,327 |
| Return on assets (ROA) | 1.4300% | 1,064 |
| Pretax return on assets | 2.3490% | 330 |
| Return on Equity (ROE) | 10.3246% | 1,946 |
| Retained earnings to average equity (ytd only) | 9.4955% | 1,241 |
| Net charge-offs to loans | 0.2106% | 2,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.2933% | 2,089 |
| Efficiency ratio | 76.9849% | 2,766 |
| Assets per employee ($millions) | 4.2568% | 3,423 |
| Cash dividends to net income (ytd only)* | 8.0301% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4886% | 1,131 |
| Loan loss allowance to noncurrent loans | 145.1133% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 1.1536% | 3,636 |
| Noncurrent loans to loans | 1.7149% | 2,972 |
| Net loans and leases to total assets | 65.5924% | 2,444 |
| Net loans and leases to deposits | 80.5165% | 2,017 |
| Net loans and leases to core deposits | 82.4021% | 2,522 |
| Total domestic deposits to total assets | 81.4645% | 5,374 |
| Equity capital to assets | 14.1236% | 989 |
| Core capital (leverage) ratio | 12.3612% | 1,397 |
| Tier 1 risk-based capital ratio | 15.9942% | 3,273 |
| Total risk-based capital ratio | 17.2562% | 3,223 |
| Memoranda: | ||
| Average total assets | $1,076,378,500 | 622 |
| Average earning assets | $973,135,500 | 625 |
| Average equity | $149,081,500 | 503 |
| Average total loans | $712,101,500 | 590 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9531% | 1,680 |
| Cost of funding earning assets | 0.3879% | 5,994 |
| Net interest margin | 4.5652% | 837 |
| Noninterest income to average assets | 0.9550% | 1,682 |
| Noninterest expense to average assets | 3.4377% | 1,972 |
| Loan and lease loss provision to assets | 0.7452% | 677 |
| Net operating income to assets | 1.0075% | 2,305 |
| Return on assets (ROA) | 1.2615% | 1,575 |
| Pretax return on assets | 1.1660% | 2,918 |
| Return on Equity (ROE) | 9.2127% | 2,530 |
| Retained earnings to average equity (ytd only) | 6.7209% | 1,706 |
| Net charge-offs to loans | 1.3060% | 740 |
| Credit loss provision to net charge-offs | 86.5270% | 3,603 |
| Earnings coverage of net charge-offs (x) | 1.9241% | 4,459 |
| Efficiency ratio | 66.8235% | 4,358 |
| Assets per employee ($millions) | 4.3539% | 3,250 |
| Cash dividends to net income (ytd only)* | 27.0476% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5475% | 1,079 |
| Loan loss allowance to noncurrent loans | 104.5832% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.5853% | 3,010 |
| Noncurrent loans to loans | 2.4358% | 2,178 |
| Net loans and leases to total assets | 63.4234% | 2,990 |
| Net loans and leases to deposits | 79.5217% | 2,352 |
| Net loans and leases to core deposits | 81.4211% | 2,834 |
| Total domestic deposits to total assets | 79.7561% | 5,729 |
| Equity capital to assets | 13.5852% | 1,200 |
| Core capital (leverage) ratio | 11.9305% | 1,604 |
| Tier 1 risk-based capital ratio | 15.0176% | 3,711 |
| Total risk-based capital ratio | 16.2800% | 3,654 |
| Memoranda: | ||
| Average total assets | $1,030,717,600 | 647 |
| Average earning assets | $934,688,200 | 640 |
| Average equity | $141,142,400 | 517 |
| Average total loans | $679,717,600 | 610 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0151% | 1,663 |
| Cost of funding earning assets | 0.4029% | 6,100 |
| Net interest margin | 4.6122% | 797 |
| Noninterest income to average assets | 0.9482% | 1,672 |
| Noninterest expense to average assets | 3.4323% | 1,926 |
| Loan and lease loss provision to assets | 1.0088% | 404 |
| Net operating income to assets | 1.0575% | 2,261 |
| Return on assets (ROA) | 1.2803% | 1,638 |
| Pretax return on assets | 0.9154% | 4,043 |
| Return on Equity (ROE) | 9.3294% | 2,660 |
| Retained earnings to average equity (ytd only) | 6.2582% | 2,517 |
| Net charge-offs to loans | 1.7877% | 441 |
| Credit loss provision to net charge-offs | 85.2687% | 3,454 |
| Earnings coverage of net charge-offs (x) | 1.4382% | 4,571 |
| Efficiency ratio | 66.1977% | 4,414 |
| Assets per employee ($millions) | 4.1495% | 3,574 |
| Cash dividends to net income (ytd only)* | 32.9196% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6070% | 1,073 |
| Loan loss allowance to noncurrent loans | 87.8743% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 2.0004% | 2,637 |
| Noncurrent loans to loans | 2.9667% | 1,886 |
| Net loans and leases to total assets | 63.7566% | 3,065 |
| Net loans and leases to deposits | 78.5253% | 2,598 |
| Net loans and leases to core deposits | 80.2421% | 3,178 |
| Total domestic deposits to total assets | 81.1924% | 5,299 |
| Equity capital to assets | 13.7784% | 1,243 |
| Core capital (leverage) ratio | 11.7544% | 1,806 |
| Tier 1 risk-based capital ratio | 14.4013% | 4,257 |
| Total risk-based capital ratio | 15.6634% | 4,216 |
| Memoranda: | ||
| Average total assets | $1,015,192,750 | 658 |
| Average earning assets | $921,277,750 | 652 |
| Average equity | $139,312,750 | 520 |
| Average total loans | $671,842,000 | 617 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0791% | 1,565 |
| Cost of funding earning assets | 0.4162% | 6,187 |
| Net interest margin | 4.6629% | 727 |
| Noninterest income to average assets | 0.9211% | 1,705 |
| Noninterest expense to average assets | 3.5033% | 1,776 |
| Loan and lease loss provision to assets | 1.2761% | 312 |
| Net operating income to assets | 0.4645% | 4,982 |
| Return on assets (ROA) | 0.7373% | 3,938 |
| Pretax return on assets | 0.6537% | 4,962 |
| Return on Equity (ROE) | 5.3807% | 4,637 |
| Retained earnings to average equity (ytd only) | 1.1577% | 5,610 |
| Net charge-offs to loans | 2.2709% | 331 |
| Credit loss provision to net charge-offs | 84.5899% | 3,199 |
| Earnings coverage of net charge-offs (x) | 1.0984% | 4,464 |
| Efficiency ratio | 67.2235% | 4,286 |
| Assets per employee ($millions) | 3.9823% | 3,914 |
| Cash dividends to net income (ytd only)* | 78.4844% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7006% | 1,033 |
| Loan loss allowance to noncurrent loans | 86.9288% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 2.1534% | 2,606 |
| Noncurrent loans to loans | 3.1067% | 1,889 |
| Net loans and leases to total assets | 64.1390% | 3,003 |
| Net loans and leases to deposits | 78.3542% | 2,624 |
| Net loans and leases to core deposits | 80.9745% | 3,089 |
| Total domestic deposits to total assets | 81.8578% | 5,186 |
| Equity capital to assets | 13.5495% | 1,282 |
| Core capital (leverage) ratio | 11.4578% | 1,930 |
| Tier 1 risk-based capital ratio | 13.9442% | 4,483 |
| Total risk-based capital ratio | 15.2069% | 4,447 |
| Memoranda: | ||
| Average total assets | $1,002,267,670 | 664 |
| Average earning assets | $911,190,330 | 658 |
| Average equity | $137,343,670 | 520 |
| Average total loans | $665,802,330 | 625 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1946% | 1,329 |
| Cost of funding earning assets | 0.4224% | 6,301 |
| Net interest margin | 4.7722% | 600 |
| Noninterest income to average assets | 0.8933% | 1,774 |
| Noninterest expense to average assets | 3.4708% | 1,823 |
| Loan and lease loss provision to assets | 1.3409% | 276 |
| Net operating income to assets | 0.5511% | 4,589 |
| Return on assets (ROA) | 0.6731% | 4,230 |
| Pretax return on assets | 0.5471% | 5,296 |
| Return on Equity (ROE) | 4.8836% | 4,839 |
| Retained earnings to average equity (ytd only) | 4.8836% | 3,621 |
| Net charge-offs to loans | 1.7166% | 560 |
| Credit loss provision to net charge-offs | 117.1238% | 2,021 |
| Earnings coverage of net charge-offs (x) | 1.5425% | 3,558 |
| Efficiency ratio | 65.6161% | 4,629 |
| Assets per employee ($millions) | 3.9545% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0081% | 820 |
| Loan loss allowance to noncurrent loans | 118.6612% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 1.7526% | 3,237 |
| Noncurrent loans to loans | 2.5350% | 2,571 |
| Net loans and leases to total assets | 63.5623% | 2,929 |
| Net loans and leases to deposits | 79.1240% | 2,327 |
| Net loans and leases to core deposits | 80.8017% | 2,970 |
| Total domestic deposits to total assets | 80.3325% | 5,773 |
| Equity capital to assets | 13.8041% | 1,087 |
| Core capital (leverage) ratio | 11.9941% | 1,593 |
| Tier 1 risk-based capital ratio | 14.3538% | 4,207 |
| Total risk-based capital ratio | 15.6197% | 4,170 |
| Memoranda: | ||
| Average total assets | $993,663,500 | 672 |
| Average earning assets | $904,397,500 | 664 |
| Average equity | $136,948,500 | 522 |
| Average total loans | $662,688,000 | 627 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4248% | 1,354 |
| Cost of funding earning assets | 0.5462% | 6,360 |
| Net interest margin | 4.8786% | 535 |
| Noninterest income to average assets | 0.6716% | 2,775 |
| Noninterest expense to average assets | 3.6676% | 1,600 |
| Loan and lease loss provision to assets | 0.6216% | 1,653 |
| Net operating income to assets | 0.6648% | 3,664 |
| Return on assets (ROA) | 0.8066% | 3,171 |
| Pretax return on assets | 1.0044% | 3,232 |
| Return on Equity (ROE) | 6.0671% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.0671% | 1,982 |
| Net charge-offs to loans | 1.7440% | 861 |
| Credit loss provision to net charge-offs | 51.8693% | 5,386 |
| Earnings coverage of net charge-offs (x) | 1.2089% | 4,877 |
| Efficiency ratio | 70.7925% | 3,813 |
| Assets per employee ($millions) | 3.8394% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8951% | 895 |
| Loan loss allowance to noncurrent loans | 156.1611% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 1.3516% | 3,978 |
| Noncurrent loans to loans | 1.8539% | 3,406 |
| Net loans and leases to total assets | 65.9096% | 2,804 |
| Net loans and leases to deposits | 82.3395% | 2,153 |
| Net loans and leases to core deposits | 84.5882% | 2,807 |
| Total domestic deposits to total assets | 80.0461% | 5,730 |
| Equity capital to assets | 13.7597% | 1,150 |
| Core capital (leverage) ratio | 11.8525% | 1,687 |
| Tier 1 risk-based capital ratio | 14.5091% | 3,969 |
| Total risk-based capital ratio | 15.7746% | 3,931 |
| Memoranda: | ||
| Average total assets | $975,395,800 | 673 |
| Average earning assets | $888,662,000 | 663 |
| Average equity | $129,682,200 | 537 |
| Average total loans | $670,254,400 | 614 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4461% | 1,398 |
| Cost of funding earning assets | 0.5704% | 6,427 |
| Net interest margin | 4.8757% | 537 |
| Noninterest income to average assets | 0.5975% | 3,173 |
| Noninterest expense to average assets | 3.6870% | 1,521 |
| Loan and lease loss provision to assets | 0.7355% | 1,299 |
| Net operating income to assets | 0.4135% | 4,937 |
| Return on assets (ROA) | 0.4991% | 4,738 |
| Pretax return on assets | 0.7423% | 4,342 |
| Return on Equity (ROE) | 3.7871% | 5,083 |
| Retained earnings to average equity (ytd only) | 3.7871% | 4,042 |
| Net charge-offs to loans | 1.9673% | 651 |
| Credit loss provision to net charge-offs | 54.2369% | 4,944 |
| Earnings coverage of net charge-offs (x) | 0.9956% | 4,882 |
| Efficiency ratio | 72.2307% | 3,507 |
| Assets per employee ($millions) | 3.7221% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0917% | 809 |
| Loan loss allowance to noncurrent loans | 155.9606% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 1.5606% | 3,752 |
| Noncurrent loans to loans | 1.9824% | 3,393 |
| Net loans and leases to total assets | 65.3478% | 3,042 |
| Net loans and leases to deposits | 79.7273% | 2,687 |
| Net loans and leases to core deposits | 82.1611% | 3,300 |
| Total domestic deposits to total assets | 81.9641% | 5,105 |
| Equity capital to assets | 13.4177% | 1,405 |
| Core capital (leverage) ratio | 11.3013% | 2,159 |
| Tier 1 risk-based capital ratio | 14.0085% | 4,347 |
| Total risk-based capital ratio | 15.2763% | 4,307 |
| Memoranda: | ||
| Average total assets | $973,526,250 | 680 |
| Average earning assets | $886,406,500 | 673 |
| Average equity | $128,292,500 | 548 |
| Average total loans | $671,037,500 | 620 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4610% | 1,386 |
| Cost of funding earning assets | 0.5917% | 6,504 |
| Net interest margin | 4.8693% | 522 |
| Noninterest income to average assets | 0.5123% | 3,769 |
| Noninterest expense to average assets | 3.7080% | 1,514 |
| Loan and lease loss provision to assets | 0.8817% | 1,011 |
| Net operating income to assets | 0.2483% | 5,568 |
| Return on assets (ROA) | 0.2970% | 5,521 |
| Pretax return on assets | 0.4215% | 5,332 |
| Return on Equity (ROE) | 2.2676% | 5,692 |
| Retained earnings to average equity (ytd only) | 2.2676% | 4,845 |
| Net charge-offs to loans | 2.2304% | 577 |
| Credit loss provision to net charge-offs | 56.9378% | 4,416 |
| Earnings coverage of net charge-offs (x) | 0.7967% | 4,703 |
| Efficiency ratio | 73.9484% | 3,367 |
| Assets per employee ($millions) | 3.4743% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2542% | 722 |
| Loan loss allowance to noncurrent loans | 93.0651% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 2.7755% | 2,414 |
| Noncurrent loans to loans | 3.4967% | 2,022 |
| Net loans and leases to total assets | 66.5541% | 2,921 |
| Net loans and leases to deposits | 80.3231% | 2,733 |
| Net loans and leases to core deposits | 82.5561% | 3,424 |
| Total domestic deposits to total assets | 82.8581% | 4,824 |
| Equity capital to assets | 13.3456% | 1,358 |
| Core capital (leverage) ratio | 11.1469% | 2,146 |
| Tier 1 risk-based capital ratio | 13.5301% | 4,500 |
| Total risk-based capital ratio | 14.8001% | 4,474 |
| Memoranda: | ||
| Average total assets | $971,727,670 | 689 |
| Average earning assets | $883,941,330 | 683 |
| Average equity | $127,273,670 | 550 |
| Average total loans | $674,679,000 | 623 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4759% | 1,366 |
| Cost of funding earning assets | 0.6091% | 6,577 |
| Net interest margin | 4.8669% | 498 |
| Noninterest income to average assets | 0.4461% | 4,323 |
| Noninterest expense to average assets | 3.7269% | 1,483 |
| Loan and lease loss provision to assets | 0.8161% | 1,024 |
| Net operating income to assets | 0.2238% | 5,705 |
| Return on assets (ROA) | 0.1735% | 5,919 |
| Pretax return on assets | 0.2541% | 5,795 |
| Return on Equity (ROE) | 1.3372% | 6,041 |
| Retained earnings to average equity (ytd only) | 1.3372% | 5,292 |
| Net charge-offs to loans | 1.5078% | 903 |
| Credit loss provision to net charge-offs | 77.5997% | 3,204 |
| Earnings coverage of net charge-offs (x) | 1.0880% | 3,851 |
| Efficiency ratio | 75.1182% | 3,316 |
| Assets per employee ($millions) | 3.5165% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6341% | 549 |
| Loan loss allowance to noncurrent loans | 89.6934% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 3.4385% | 1,982 |
| Noncurrent loans to loans | 4.0517% | 1,785 |
| Net loans and leases to total assets | 66.8163% | 2,806 |
| Net loans and leases to deposits | 82.0635% | 2,355 |
| Net loans and leases to core deposits | 84.6834% | 3,071 |
| Total domestic deposits to total assets | 81.4203% | 5,528 |
| Equity capital to assets | 13.0905% | 1,348 |
| Core capital (leverage) ratio | 10.8342% | 2,328 |
| Tier 1 risk-based capital ratio | 13.9260% | 4,123 |
| Total risk-based capital ratio | 15.2018% | 4,077 |
| Memoranda: | ||
| Average total assets | $972,929,000 | 693 |
| Average earning assets | $884,596,000 | 686 |
| Average equity | $126,229,500 | 552 |
| Average total loans | $678,605,500 | 634 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6367% | 1,781 |
| Cost of funding earning assets | 0.8641% | 6,326 |
| Net interest margin | 4.7726% | 698 |
| Noninterest income to average assets | 0.3586% | 5,242 |
| Noninterest expense to average assets | 3.6429% | 1,817 |
| Loan and lease loss provision to assets | 3.2004% | 274 |
| Net operating income to assets | -1.8800% | 7,022 |
| Return on assets (ROA) | -1.8708% | 7,038 |
| Pretax return on assets | -2.1122% | 7,062 |
| Return on Equity (ROE) | -14.8830% | 6,916 |
| Retained earnings to average equity (ytd only) | -14.8830% | 6,878 |
| Net charge-offs to loans | 2.9597% | 564 |
| Credit loss provision to net charge-offs | 150.4126% | 2,403 |
| Earnings coverage of net charge-offs (x) | 0.5066% | 5,608 |
| Efficiency ratio | 76.0632% | 3,045 |
| Assets per employee ($millions) | 3.4958% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6319% | 539 |
| Loan loss allowance to noncurrent loans | 75.9926% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 4.0342% | 1,683 |
| Noncurrent loans to loans | 4.7792% | 1,446 |
| Net loans and leases to total assets | 67.6084% | 3,073 |
| Net loans and leases to deposits | 82.8128% | 2,658 |
| Net loans and leases to core deposits | 85.6108% | 3,382 |
| Total domestic deposits to total assets | 81.6401% | 5,311 |
| Equity capital to assets | 12.8593% | 1,461 |
| Core capital (leverage) ratio | 10.5238% | 2,535 |
| Tier 1 risk-based capital ratio | 13.4739% | 4,228 |
| Total risk-based capital ratio | 14.7497% | 4,177 |
| Memoranda: | ||
| Average total assets | $985,229,800 | 669 |
| Average earning assets | $900,495,400 | 668 |
| Average equity | $123,846,200 | 549 |
| Average total loans | $708,291,000 | 613 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6562% | 1,866 |
| Cost of funding earning assets | 0.9123% | 6,346 |
| Net interest margin | 4.7439% | 756 |
| Noninterest income to average assets | 0.6142% | 3,358 |
| Noninterest expense to average assets | 3.5677% | 1,857 |
| Loan and lease loss provision to assets | 3.4723% | 213 |
| Net operating income to assets | -2.5929% | 7,371 |
| Return on assets (ROA) | -2.5754% | 7,387 |
| Pretax return on assets | -2.0681% | 7,217 |
| Return on Equity (ROE) | -20.6058% | 7,236 |
| Retained earnings to average equity (ytd only) | -20.6058% | 7,221 |
| Net charge-offs to loans | 3.4563% | 398 |
| Credit loss provision to net charge-offs | 138.9114% | 2,868 |
| Earnings coverage of net charge-offs (x) | 0.5548% | 5,469 |
| Efficiency ratio | 70.9599% | 3,887 |
| Assets per employee ($millions) | 3.5167% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1507% | 734 |
| Loan loss allowance to noncurrent loans | 80.4048% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 3.6417% | 1,955 |
| Noncurrent loans to loans | 3.9185% | 1,933 |
| Net loans and leases to total assets | 67.3390% | 3,367 |
| Net loans and leases to deposits | 83.1573% | 2,879 |
| Net loans and leases to core deposits | 85.9970% | 3,655 |
| Total domestic deposits to total assets | 80.9779% | 5,372 |
| Equity capital to assets | 12.6619% | 1,776 |
| Core capital (leverage) ratio | 10.9499% | 2,295 |
| Tier 1 risk-based capital ratio | 14.6426% | 3,431 |
| Total risk-based capital ratio | 15.9138% | 3,394 |
| Memoranda: | ||
| Average total assets | $986,834,750 | 667 |
| Average earning assets | $902,869,750 | 661 |
| Average equity | $123,340,750 | 545 |
| Average total loans | $713,689,250 | 613 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6649% | 1,889 |
| Cost of funding earning assets | 0.9653% | 6,313 |
| Net interest margin | 4.6996% | 815 |
| Noninterest income to average assets | 0.6868% | 2,777 |
| Noninterest expense to average assets | 3.5004% | 2,031 |
| Loan and lease loss provision to assets | 4.3137% | 161 |
| Net operating income to assets | -1.6007% | 7,189 |
| Return on assets (ROA) | -1.6133% | 7,201 |
| Pretax return on assets | -2.8462% | 7,443 |
| Return on Equity (ROE) | -12.9640% | 7,072 |
| Retained earnings to average equity (ytd only) | -12.9640% | 7,032 |
| Net charge-offs to loans | 3.7430% | 371 |
| Credit loss provision to net charge-offs | 157.3349% | 2,507 |
| Earnings coverage of net charge-offs (x) | 0.5424% | 5,192 |
| Efficiency ratio | 69.1396% | 4,354 |
| Assets per employee ($millions) | 3.6011% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1400% | 742 |
| Loan loss allowance to noncurrent loans | 63.1210% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 3.9831% | 1,740 |
| Noncurrent loans to loans | 4.9746% | 1,390 |
| Net loans and leases to total assets | 67.9568% | 3,372 |
| Net loans and leases to deposits | 85.6411% | 2,563 |
| Net loans and leases to core deposits | 88.6288% | 3,464 |
| Total domestic deposits to total assets | 79.3507% | 5,930 |
| Equity capital to assets | 13.4748% | 1,355 |
| Core capital (leverage) ratio | 11.2635% | 2,059 |
| Tier 1 risk-based capital ratio | 14.5511% | 3,416 |
| Total risk-based capital ratio | 15.8221% | 3,365 |
| Memoranda: | ||
| Average total assets | $987,550,000 | 667 |
| Average earning assets | $903,745,000 | 661 |
| Average equity | $122,894,330 | 543 |
| Average total loans | $723,368,670 | 606 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5408% | 2,400 |
| Cost of funding earning assets | 1.0565% | 6,104 |
| Net interest margin | 4.4843% | 1,179 |
| Noninterest income to average assets | 0.5643% | 3,528 |
| Noninterest expense to average assets | 3.5070% | 1,963 |
| Loan and lease loss provision to assets | 2.1247% | 514 |
| Net operating income to assets | -0.4981% | 6,827 |
| Return on assets (ROA) | -0.4981% | 6,851 |
| Pretax return on assets | -0.9520% | 7,029 |
| Return on Equity (ROE) | -4.1800% | 6,837 |
| Retained earnings to average equity (ytd only) | -4.1800% | 6,522 |
| Net charge-offs to loans | 0.5531% | 2,422 |
| Credit loss provision to net charge-offs | 513.3268% | 817 |
| Earnings coverage of net charge-offs (x) | 2.8332% | 3,131 |
| Efficiency ratio | 73.8235% | 3,599 |
| Assets per employee ($millions) | 3.6870% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5463% | 1,236 |
| Loan loss allowance to noncurrent loans | 37.8887% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 4.8863% | 1,332 |
| Noncurrent loans to loans | 6.7205% | 917 |
| Net loans and leases to total assets | 69.8003% | 2,986 |
| Net loans and leases to deposits | 88.7187% | 2,090 |
| Net loans and leases to core deposits | 93.2392% | 2,945 |
| Total domestic deposits to total assets | 78.6759% | 6,159 |
| Equity capital to assets | 13.9166% | 1,169 |
| Core capital (leverage) ratio | 12.6104% | 1,366 |
| Tier 1 risk-based capital ratio | 15.0736% | 3,082 |
| Total risk-based capital ratio | 16.3377% | 3,029 |
| Memoranda: | ||
| Average total assets | $978,967,000 | 694 |
| Average earning assets | $898,433,000 | 682 |
| Average equity | $116,650,000 | 576 |
| Average total loans | $732,599,500 | 614 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1516% | 1,372 |
| Cost of funding earning assets | 1.1770% | 6,745 |
| Net interest margin | 4.9747% | 476 |
| Noninterest income to average assets | 0.7087% | 2,906 |
| Noninterest expense to average assets | 3.8836% | 1,533 |
| Loan and lease loss provision to assets | 2.7342% | 682 |
| Net operating income to assets | -0.7393% | 6,398 |
| Return on assets (ROA) | -0.7421% | 6,392 |
| Pretax return on assets | -1.3630% | 6,630 |
| Return on Equity (ROE) | -7.1245% | 6,392 |
| Retained earnings to average equity (ytd only) | -7.1245% | 6,252 |
| Net charge-offs to loans | 2.8312% | 778 |
| Credit loss provision to net charge-offs | 119.7016% | 4,479 |
| Earnings coverage of net charge-offs (x) | 0.6022% | 5,504 |
| Efficiency ratio | 71.5770% | 4,336 |
| Assets per employee ($millions) | 3.5484% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9518% | 2,138 |
| Loan loss allowance to noncurrent loans | 37.5042% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 4.1759% | 1,563 |
| Noncurrent loans to loans | 5.2042% | 1,272 |
| Net loans and leases to total assets | 76.7792% | 1,632 |
| Net loans and leases to deposits | 93.0170% | 1,732 |
| Net loans and leases to core deposits | 109.5970% | 2,945 |
| Total domestic deposits to total assets | 82.5432% | 4,728 |
| Equity capital to assets | 9.7501% | 4,066 |
| Core capital (leverage) ratio | 7.7358% | 6,521 |
| Tier 1 risk-based capital ratio | 8.9736% | 7,477 |
| Total risk-based capital ratio | 10.2308% | 7,498 |
| Memoranda: | ||
| Average total assets | $880,168,600 | 767 |
| Average earning assets | $805,121,800 | 756 |
| Average equity | $91,683,800 | 708 |
| Average total loans | $710,123,800 | 653 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0654% | 1,777 |
| Cost of funding earning assets | 1.1641% | 6,988 |
| Net interest margin | 4.9013% | 553 |
| Noninterest income to average assets | 0.6815% | 3,147 |
| Noninterest expense to average assets | 3.9195% | 1,402 |
| Loan and lease loss provision to assets | 2.2448% | 766 |
| Net operating income to assets | -0.5314% | 6,462 |
| Return on assets (ROA) | -0.4986% | 6,428 |
| Pretax return on assets | -0.9483% | 6,642 |
| Return on Equity (ROE) | -4.7044% | 6,417 |
| Retained earnings to average equity (ytd only) | -4.7044% | 6,216 |
| Net charge-offs to loans | 1.7253% | 1,175 |
| Credit loss provision to net charge-offs | 159.9956% | 2,972 |
| Earnings coverage of net charge-offs (x) | 0.8875% | 5,174 |
| Efficiency ratio | 73.5408% | 3,947 |
| Assets per employee ($millions) | 3.8560% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2169% | 1,393 |
| Loan loss allowance to noncurrent loans | 39.8439% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 4.6057% | 1,312 |
| Noncurrent loans to loans | 5.5639% | 1,123 |
| Net loans and leases to total assets | 75.9715% | 1,997 |
| Net loans and leases to deposits | 92.8345% | 2,088 |
| Net loans and leases to core deposits | 111.3187% | 3,089 |
| Total domestic deposits to total assets | 81.8354% | 4,748 |
| Equity capital to assets | 10.3547% | 3,674 |
| Core capital (leverage) ratio | 8.7551% | 5,043 |
| Tier 1 risk-based capital ratio | 9.8587% | 7,094 |
| Total risk-based capital ratio | 11.1187% | 7,046 |
| Memoranda: | ||
| Average total assets | $865,131,250 | 795 |
| Average earning assets | $791,334,500 | 786 |
| Average equity | $91,684,250 | 710 |
| Average total loans | $703,569,500 | 679 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2418% | 1,352 |
| Cost of funding earning assets | 1.1505% | 7,245 |
| Net interest margin | 5.0913% | 362 |
| Noninterest income to average assets | 0.7177% | 2,884 |
| Noninterest expense to average assets | 3.6109% | 2,041 |
| Loan and lease loss provision to assets | 1.1367% | 1,511 |
| Net operating income to assets | 0.4226% | 4,413 |
| Return on assets (ROA) | 0.4424% | 4,431 |
| Pretax return on assets | 0.6539% | 4,151 |
| Return on Equity (ROE) | 4.1399% | 4,436 |
| Retained earnings to average equity (ytd only) | 4.1399% | 2,987 |
| Net charge-offs to loans | 1.1770% | 1,552 |
| Credit loss provision to net charge-offs | 116.8610% | 3,974 |
| Earnings coverage of net charge-offs (x) | 1.8110% | 4,206 |
| Efficiency ratio | 64.9028% | 5,739 |
| Assets per employee ($millions) | 3.6331% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 2,878 |
| Loan loss allowance to noncurrent loans | 90.6383% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 2.1610% | 2,984 |
| Noncurrent loans to loans | 1.7305% | 3,913 |
| Net loans and leases to total assets | 79.5914% | 1,378 |
| Net loans and leases to deposits | 98.9243% | 1,399 |
| Net loans and leases to core deposits | 120.3046% | 2,345 |
| Total domestic deposits to total assets | 80.4569% | 5,295 |
| Equity capital to assets | 11.2605% | 2,703 |
| Core capital (leverage) ratio | 10.3255% | 2,973 |
| Tier 1 risk-based capital ratio | 11.2345% | 5,659 |
| Total risk-based capital ratio | 12.4872% | 5,569 |
| Memoranda: | ||
| Average total assets | $846,315,330 | 832 |
| Average earning assets | $773,754,330 | 828 |
| Average equity | $90,436,670 | 724 |
| Average total loans | $699,422,670 | 701 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2522% | 1,437 |
| Cost of funding earning assets | 1.1428% | 7,439 |
| Net interest margin | 5.1094% | 328 |
| Noninterest income to average assets | 0.7392% | 2,660 |
| Noninterest expense to average assets | 3.5360% | 2,016 |
| Loan and lease loss provision to assets | 1.0148% | 1,291 |
| Net operating income to assets | 0.5552% | 4,200 |
| Return on assets (ROA) | 0.5930% | 4,242 |
| Pretax return on assets | 0.9201% | 3,643 |
| Return on Equity (ROE) | 5.7111% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.7111% | 2,774 |
| Net charge-offs to loans | 1.2038% | 1,157 |
| Credit loss provision to net charge-offs | 100.8604% | 3,694 |
| Earnings coverage of net charge-offs (x) | 1.8642% | 3,798 |
| Efficiency ratio | 63.0110% | 5,871 |
| Assets per employee ($millions) | 3.8373% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 3,080 |
| Loan loss allowance to noncurrent loans | 52.2207% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 2.6600% | 2,156 |
| Noncurrent loans to loans | 2.8372% | 2,307 |
| Net loans and leases to total assets | 80.6767% | 1,261 |
| Net loans and leases to deposits | 104.1991% | 998 |
| Net loans and leases to core deposits | 124.7678% | 2,011 |
| Total domestic deposits to total assets | 77.4255% | 6,172 |
| Equity capital to assets | 10.6689% | 3,313 |
| Core capital (leverage) ratio | 9.7460% | 3,689 |
| Tier 1 risk-based capital ratio | 10.2379% | 6,664 |
| Total risk-based capital ratio | 11.4894% | 6,586 |
| Memoranda: | ||
| Average total assets | $831,683,500 | 847 |
| Average earning assets | $760,558,500 | 839 |
| Average equity | $86,357,500 | 769 |
| Average total loans | $695,138,500 | 712 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0765% | 952 |
| Cost of funding earning assets | 1.6629% | 7,332 |
| Net interest margin | 5.4136% | 233 |
| Noninterest income to average assets | 0.7934% | 2,555 |
| Noninterest expense to average assets | 3.7519% | 1,850 |
| Loan and lease loss provision to assets | 1.5713% | 844 |
| Net operating income to assets | 0.2835% | 5,596 |
| Return on assets (ROA) | 0.2869% | 5,396 |
| Pretax return on assets | 0.4028% | 5,253 |
| Return on Equity (ROE) | 2.7667% | 5,315 |
| Retained earnings to average equity (ytd only) | 2.7667% | 3,458 |
| Net charge-offs to loans | 1.2164% | 994 |
| Credit loss provision to net charge-offs | 153.7058% | 3,402 |
| Earnings coverage of net charge-offs (x) | 1.9264% | 5,104 |
| Efficiency ratio | 63.6456% | 5,635 |
| Assets per employee ($millions) | 3.6045% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 2,600 |
| Loan loss allowance to noncurrent loans | 57.8485% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 2.4053% | 2,019 |
| Noncurrent loans to loans | 2.6220% | 2,064 |
| Net loans and leases to total assets | 84.0963% | 871 |
| Net loans and leases to deposits | 111.8440% | 714 |
| Net loans and leases to core deposits | 128.3060% | 1,980 |
| Total domestic deposits to total assets | 75.1907% | 6,408 |
| Equity capital to assets | 10.0783% | 3,943 |
| Core capital (leverage) ratio | 8.5953% | 5,387 |
| Tier 1 risk-based capital ratio | 9.0436% | 7,752 |
| Total risk-based capital ratio | 10.2958% | 7,729 |
| Memoranda: | ||
| Average total assets | $777,384,800 | 874 |
| Average earning assets | $707,620,400 | 862 |
| Average equity | $80,601,400 | 825 |
| Average total loans | $653,313,600 | 727 |